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Affirm Holdings, Inc.

AFRM

Financial Services · 81.83 +7.1% today

You’ve read what changed. Here’s whether the market is confirming it.

Isolated · not yet confirmedMarket checked 28 Aug, 13:15 GMT-4

Jodie situation report

Affirm Holdings, Inc.'s current read is isolated; its market group is not confirming.

The latest filing evidence is available. 0 of 20 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 8 directly disclosed connections are confirming.

What changed
  • Revenue increased 22.7% versus the comparable filing period.
Company+7.1% todayVolume comparison unavailable
Market group0 of 20 activeNo Coherent Theme · unavailable
Disclosed network0 of 8 confirmingNo filing-linked name is confirming now
What would change this read
  • Management linked revenue growth partly to favorable pricing terms, making pricing language a current business driver to compare.

Invalidation: The isolated read changes if AFRM's group or a disclosed connection begins moving with it.

Watch this read

Earlier comparable assessment · baseline

Fundamentals strengthened in the latest filing

10-Q filed 2026-05-07 against the comparable filing from 2025-05-09.

A newer Struct brief is shown above. This older assessment remains here for comparison, not as the current read.

constructive
OperationsconstructiveEvidence score +4
liquidityneutralEvidence score 0
valuationpremium

What improved

  • Revenue increased 22.7% versus the comparable filing period.
  • Operating margin improved 29.5 percentage points.
  • Net income increased 3569.8% versus the comparable filing period.

What weakened

No thresholded deterioration was identified.

Filing receipts

“The increase is primarily due to an increase of funding debt and notes issued by securitization trusts during the three and nine months ended March 31, 2026, partially offset by favorable pricing terms.”

“Additionally, the decrease was also driven by a $15.4 million, or 65%, decrease in Shopify warrant expense during the nine months ended March 31, 2026, compared to the same period in 2025, primarily due to an amendment made in our partnership agreement, which extended the period of benefit over which we amortize the commercial agreement asset from six to nine years.”

“Loss on loan purchase commitment increased by $10.7 million, or 19%, and $53.8 million, or 30%, for the three and nine months ended March 31, 2026, respectively, compared to the same periods in 2025, primarily due to an increase in total volume of loans purchased.”

Retrospective baseline calibration. It was generated after the filing date and is not part of Jodie's live track record.