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Affirm Holdings, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 03 May 2022.
Affirm Holdings, Inc.: what insiders have been doing
Affirm Holdings, Inc., founded in 2012, is a Finance & Banking company based in San Francisco, United States. Its directors and officers file their transactions with SEC (Form 4). Over the twelve months to 18 October 2026, 126 filings were filed, from 19 insiders.
The flow runs one way only: 16 sales worth €21.5M, from 5 insiders, and no purchase. No amount is published for 1 filing, which the totals therefore leave out. One trade stands out by size: a sale of €6.1M from Linford Michael, disclosed on 1 September 2026, or 0.030% of market capitalisation.
Filings reach the SEC (Form 4) feed a median of 2 days after the trade. The legal deadline for a Form 4 is two business days after the transaction. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
Across the 5,812 companies tracked on its exchange, the median is 19 filings; at 126 filings, this issuer sits above that mark. Over the whole record (from 2021), the tally stands at 6 purchases and 69 sales. For the fiscal year to 30 June 2026, the annual 10-K puts revenue at 4.26 bn USD and net income at 1.93 bn USD.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and Avidia Bancorp, Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
518
Thresholds
n/a
Buy Volume
€36M
6 ops. · all time
Sell Volume
€63M
69 ops. · all time
Who traded when
BuySaleRobert O'Hare11 sales
Rabois Keith9 sales
Watson Noel Bertram7 sales
Katherine Adkins6 sales
Libor Michalek5 sales
Siphelele Jiyane5 sales
+2 other insiders
Since the insiders bought
- -71.3%Entry US$31.76 · Close at T+365 US$9.13
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Affirm Holdings, Inc. Buy (bullish), based on 32 analysts. Average price target: US$98.59.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 6,983 of 24,148 companies
62.1
score / 100
Value52
Quality72
FCF yld4.2%
Earn yld8.1%
EV/EBITDA27.0x
ROE45%
Gross mgn68%
Net mgn45%
Debt/EBITDA8.0x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2026FY ended June 2026 · cache
US$70.51
Analyst consensus
32 analystsBuy
US$66.00Target US$98.59(+40%)US$115.00
Income statement
RevenueUS$4.3B
Gross profitUS$2.9B68% margin
EBITDAUS$1.3B29% margin
Net incomeUS$1.9B45.3% margin
Valuation
PER (trailing)14.1x
PER (forward)14.1x
P/Book4.3x
Beta3.82
Balance sheet & cash
Market capUS$23.8B
Total debtUS$10B
Free Cash FlowUS$992.6M
Debt / Equity183%
Profitability & ownership
ROE45.1%
ROA1.9%
% insiders4.3%
% institutions88.6%
Last declaration on 14 October 2026
Declarations518 total
65,591 shares@ US$80.020.020% mcap30.5% of flowClass A Common StockSEC:0001628280-26-065868:6
5,636 shares@ US$57.590.0012% mcap1.9% of flowClass A Common StockSEC:0001628280-26-065868:5
17,023 shares@ US$17.190.0011% mcap1.7% of flowClass A Common StockSEC:0001628280-26-065868:0
1,866 shares@ US$41.800.0003% mcap0.5% of flowClass A Common StockSEC:0001628280-26-065868:1
10,239 shares@ US$22.300.0009% mcap1.3% of flowClass A Common StockSEC:0001628280-26-065868:2
21,836 shares@ US$23.350.0019% mcap3.0% of flowClass A Common StockSEC:0001628280-26-065868:3
8,991 shares@ US$44.060.0015% mcap2.3% of flowClass A Common StockSEC:0001628280-26-065868:4
65,591 shares@ US$77.150.019% mcap81.7% of flowCommonSEC144:0001950047-26-010142
26,980 shares@ US$72.190.0083% mcap22.5% of flowClass A Common StockSEC:0001628280-26-062240:0
26,980 shares@ US$72.19380.0083% mcap51.9% of flowCommonSEC144:0001950047-26-009394
25,000 shares@ US$72.410.0077% mcap20.9% of flowClass A Common StockSEC:0001628280-26-061117:0
25,000 shares@ US$72.41060.0077% mcap48.1% of flowCommonSEC144:0001950047-26-009130
10,594 shares0Class A Common StockSEC:0001628280-26-060528:0
4,795 shares@ US$69.940.0014% mcap1.6% of flowClass A Common StockSEC:0001628280-26-060528:1
41,664 shares@ US$22.300.0040% mcap4.4% of flowClass A Common StockSEC:0001628280-26-060528:2
23,765 shares@ US$70.130.0071% mcap7.9% of flowClass A Common StockSEC:0001628280-26-060528:3
15,599 shares@ US$71.000.0047% mcap5.2% of flowClass A Common StockSEC:0001628280-26-060528:4
2,300 shares@ US$71.870.0007% mcap0.8% of flowClass A Common StockSEC:0001628280-26-060528:5
4,404 shares@ US$22.300.0004% mcap0.5% of flowClass A Common StockSEC:0001628280-26-060528:6
37,260 shares@ US$23.350.0037% mcap4.1% of flowClass A Common StockSEC:0001628280-26-060528:7
3,558 shares@ US$69.940.0011% mcap2.9% of flowClass A Common StockSEC:0001628280-26-060406:1
11,719 shares0Class A Common StockSEC:0001628280-26-060408:0
4,662 shares@ US$69.940.0014% mcap1.6% of flowClass A Common StockSEC:0001628280-26-060408:1
5,784 shares@ US$69.940.0017% mcap1.9% of flowClass A Common StockSEC:0001628280-26-060412:1
11,987 shares0Class A Common StockSEC:0001628280-26-060416:0
25 of 518 declarations
About Affirm Holdings, Inc.
Affirm Holdings, Inc. is a U.S. financial technology company listed on the NASDAQ under the ticker AFRM, and headquartered in San Francisco, California, United States. Founded in 2012 by Max Levchin, the PayPal co-founder, Affirm has become one of the best-known names in the buy now, pay later (BNPL) and point-of-sale installment financing market. Its core brand message is built around transparency: clear upfront pricing, fixed payment schedules, and a consumer proposition designed to avoid hidden fees and late penalties in its core direct-to-consumer model.
Affirm operates as a two-sided payments network connecting consumers, merchants, and funding partners. Its business model centers on offering biweekly or monthly payment plans at checkout, both online and in-store, subject to eligibility. The company uses proprietary underwriting and real-time decisioning to evaluate transactions, and it has said it continues to enhance underwriting with more current signals such as account balance and cash-flow trends. In practical terms, Affirm monetizes through a mix of network revenue, servicing income, and economics tied to its capital and loan funding partnerships.
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Competitively, Affirm operates in a crowded landscape that includes card issuers, banks, large payment platforms, and other BNPL providers. Its relative edge lies in brand positioning, a proprietary technology stack, and a merchant network strategy that aims to embed pay-over-time options directly into checkout flows and enterprise payment ecosystems. Affirm often presents itself not merely as a lender, but as a payment network, which supports deeper commercial integrations and broader distribution.
Its product set includes consumer installment plans, merchant checkout solutions, and embedded financing partnerships across e-commerce and omni-channel retail. Recent company developments point to continuing commercial expansion: a partnership with Lowe’s announced in February 2026, an integration with Intuit’s QuickBooks Payments announced in early 2026, a collaboration with Fiserv in January 2026, and international expansion through Virgin Media O2 in the United Kingdom, alongside travel-related and other merchant partnerships. These moves reinforce Affirm’s effort to broaden its acceptance base beyond core retail categories.
For investors, Affirm remains a growth-oriented fintech with exposure to consumer spending cycles, funding conditions, and BNPL regulation. The opportunity is meaningful, but the business also carries execution risk, credit sensitivity, and competitive pressure that require close monitoring.
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