AFRM Affirm Holdings, Inc.

neutral track record → $60.28 +0.66 (+1.1%)
Mkt Cap $16B P/E 59.9 fwd 12.9 52wk $39.35 - $100.00 Earnings 2026-05-07 3h ago
Insider selling: $295,103,139 sold by 14 insiders (30d)
Est. revisions: -1.0% (2 up, 3 down in 30d)
Factor Model (net -0.5)

Factor Model

net -0.5 2.2 / 10
Est. Revisions
-0.1
Insider Activity
+0.0
Momentum
+0.0
Analyst Rev.
-0.4
Narrative Gap
+0.0

Morgan Stanley names Affirm top pick; shares +8%

Watch: Q1 earnings will reveal if merchant wins can offset platform user churn and validate earnings optimism.

Affirm shares surged over 8% following Morgan Stanley naming it a top pick with noted earnings upside potential. This enthusiasm contrasts with ongoing insider selling totaling over $108 million recently, signaling mixed internal sentiment. Despite price gains, analyst revisions remain slightly negative amid platform user losses and customer concentration risk.

Morgan Stanley's bullish call injects short-term investor confidence, but insider selling and earnings estimate cuts suggest caution on Affirm's sustained growth and competitive positioning.

Evidence

3h ago Stocks making the biggest moves midday: Royal Caribbean, Exxon Mobil, Critical Metals, Netflix & more cnbc-finance
3d ago Insider sell by LEVCHIN MAKSIM RAFAEL (AFRM): $53,747,814
3d ago Insider sell by LEVCHIN MAKSIM RAFAEL (AFRM): $40,022,708
3d ago Insider sell by LEVCHIN MAKSIM RAFAEL (AFRM): $13,412,184
3d ago Insider sell by LINFORD MICHAEL ALAN (AFRM): $14,752,578
3d ago Insider sell by LINFORD MICHAEL ALAN (AFRM): $27,595,706
3d ago Insider sell by MICHALEK LIBOR (AFRM): $12,300,096
3d ago Insider sell by MICHALEK LIBOR (AFRM): $13,610,673
7 older signals
3d ago Insider sell by LEVCHIN MAKSIM RAFAEL (AFRM): $58,175,590
6d ago Jim Cramer Says for Buy Now, Pay Later Play He’d “Rather Own a Pure Play Like Affirm”
20d ago Affirm (AFRM) Expands Partnerships Driving Fintech Growth
20d ago Jim Cramer on Affirm Holdings: “I Think a Lot of People Are Betting Against It, It’s a Mistake”
29d ago Analysts Highlight Affirm’s (AFRM) Strong Unit Economics and Credit Model
43d ago Affirm Holdings, Inc. (AFRM) Announces a New Deal with Lowe’s
54d ago Affirm Holdings, Inc. (AFRM) Announces a New Deal with Lowe’s
Fundamentals & Data ▾
Affirm Holdings, Inc. Financial Services · Credit Services
Mkt Cap
$16B
P/E
59.9 fwd 12.9
Beta
3.63
52w Range
$39.35 - $100.00
Short Interest
16.3M 5.63%
Days to Cover
2.5 -9%
Technicals downtrend
from 52w Hi
0.0%
1w return
+23.0%
Insiders
selling 0B / 3S
EPS Estimate
$0.68 -1.0% 30d 2up / 3dn
Est. Dispersion
46% 6 analysts
Analyst Target
$79 $53 - $105
Options P/C
0.38 1C / 0P unusual
Insider Cluster
strong sell 0B / 7S
Fund Convergence
moderate Citadel, D.E. Shaw
Financials
Revenue
$1.1B +30% YoY
FCF
$118M
Gross Margin
69%
Op Margin
20%
Momentum: accelerating
Top Holders
Citadel $361M
D.E. Shaw $116M
Recent Filings & Data
insider trade 124
net selling · $295,103,139 sold
14 insiders · 124 transactions (30d)
Recent transactions
QUARLES CHRISTA S. · other
ADKINS KATHERINE ELIZABETH · other
LINFORD MICHAEL ALAN · other
MICHALEK LIBOR · other
JIYANE SIPHELELE N · other
ADKINS KATHERINE ELIZABETH · other
O'HARE ROBERT WARREN · other
LINFORD MICHAEL ALAN · other
MICHALEK LIBOR · other
LINFORD MICHAEL ALAN · exercise · $980,000
LEVCHIN MAKSIM RAFAEL · sell · $53,747,814
LEVCHIN MAKSIM RAFAEL · exercise · $32,666,634
O'HARE ROBERT WARREN · sell · $2,912,080
O'HARE ROBERT WARREN · exercise · $1,012,073
ADKINS KATHERINE ELIZABETH · other
LINFORD MICHAEL ALAN · other
MICHALEK LIBOR · other
GALANTI RICHARD ALAN · award
WATSON NOEL BERTRAM JR · award
HUGHES BRIAN D. · award
QUARLES CHRISTA S. · award
RESES JACQUELINE D · award
LIEW JEREMY · award
SANCHEZ RODRIQUEZ MANUEL · award
O'HARE ROBERT WARREN · sell · $573,230
ADKINS KATHERINE ELIZABETH · other
O'HARE ROBERT WARREN · other
MICHALEK LIBOR · other
ADKINS KATHERINE ELIZABETH · other
ADKINS KATHERINE ELIZABETH · other
LEVCHIN MAKSIM RAFAEL · sell · $58,175,590
LEVCHIN MAKSIM RAFAEL · exercise · $31,933,937
JIYANE SIPHELELE N · sell · $1,067,750
LINFORD MICHAEL ALAN · other
JIYANE SIPHELELE N · sell · $2,316,098
JIYANE SIPHELELE N · exercise · $84,321
O'HARE ROBERT WARREN · sell · $2,617,473
O'HARE ROBERT WARREN · exercise · $737,224
ADKINS KATHERINE ELIZABETH · sell · $3,503,410
ADKINS KATHERINE ELIZABETH · exercise · $861,101
QUARLES CHRISTA S. · sell · $1,395,000
LINFORD MICHAEL ALAN · other
MICHALEK LIBOR · other
JIYANE SIPHELELE N · sell · $2,192,364
JIYANE SIPHELELE N · other
LEVCHIN MAKSIM RAFAEL · sell · $40,022,708
LEVCHIN MAKSIM RAFAEL · exercise · $24,461,927
LEVCHIN MAKSIM RAFAEL · sell · $13,412,184
LEVCHIN MAKSIM RAFAEL · exercise · $8,204,707
O'HARE ROBERT WARREN · sell · $6,231,002
O'HARE ROBERT WARREN · exercise · $2,498,655
LINFORD MICHAEL ALAN · sell · $14,752,578
LINFORD MICHAEL ALAN · exercise · $992,838
LEVCHIN MAKSIM RAFAEL · sell · $1,196,988
LEVCHIN MAKSIM RAFAEL · exercise · $732,697
O'HARE ROBERT WARREN · sell · $912,400
O'HARE ROBERT WARREN · exercise · $567,358
LINFORD MICHAEL ALAN · sell · $864,000
LINFORD MICHAEL ALAN · exercise · $58,212
ADKINS KATHERINE ELIZABETH · sell · $486,675
ADKINS KATHERINE ELIZABETH · exercise · $151,388
ADKINS KATHERINE ELIZABETH · sell · $4,545,885
ADKINS KATHERINE ELIZABETH · exercise · $1,413,705
JIYANE SIPHELELE N · sell · $1,190,325
ADKINS KATHERINE ELIZABETH · sell · $4,012,558
ADKINS KATHERINE ELIZABETH · exercise · $895,375
O'HARE ROBERT WARREN · sell · $1,386,734
GALANTI RICHARD ALAN · award
O'HARE ROBERT WARREN · other
QUARLES CHRISTA S. · award
QUARLES CHRISTA S. · sell · $50,842
RESES JACQUELINE D · award
LIEW JEREMY · award
LINFORD MICHAEL ALAN · other
MICHALEK LIBOR · other
WATSON NOEL BERTRAM JR · sell · $152,147
ADKINS KATHERINE ELIZABETH · other
O'HARE ROBERT WARREN · other
JIYANE SIPHELELE N · other
ADKINS KATHERINE ELIZABETH · other
RABOIS KEITH · sell · $820,589
ADKINS KATHERINE ELIZABETH · other
RABOIS KEITH · sell · $730,520
O'HARE ROBERT WARREN · other
MICHALEK LIBOR · other
WATSON NOEL BERTRAM JR · sell · $114,450
RABOIS KEITH · sell · $1,029,092
JIYANE SIPHELELE N · other
ADKINS KATHERINE ELIZABETH · other
O'HARE ROBERT WARREN · other
QUARLES CHRISTA S. · sell · $400,000
RABOIS KEITH · sell · $967,012
O'HARE ROBERT WARREN · sell · $210,791
O'HARE ROBERT WARREN · exercise · $38,958
RABOIS KEITH · sell · $1,002,413
O'HARE ROBERT WARREN · sell · $407,366
O'HARE ROBERT WARREN · exercise · $133,920
LINFORD MICHAEL ALAN · other
WATSON NOEL BERTRAM JR · sell · $180,135
QUARLES CHRISTA S. · sell · $180,756
RABOIS KEITH · sell · $1,109,657
LINFORD MICHAEL ALAN · sell · $27,595,706
LINFORD MICHAEL ALAN · exercise · $2,156,000
WATSON NOEL BERTRAM JR · award
HUGHES BRIAN D. · award
QUARLES CHRISTA S. · award
RESES JACQUELINE D · award
LIEW JEREMY · award
SANCHEZ RODRIQUEZ MANUEL · award
LIEW JEREMY · other
MICHALEK LIBOR · sell · $6,722,712
MICHALEK LIBOR · exercise · $821,665
O'HARE ROBERT WARREN · sell · $957,549
O'HARE ROBERT WARREN · exercise · $172,959
MICHALEK LIBOR · sell · $677,108
MICHALEK LIBOR · exercise · $83,389
ADKINS KATHERINE ELIZABETH · other
O'HARE ROBERT WARREN · sell · $8,258,679
O'HARE ROBERT WARREN · exercise · $5,669,905
MICHALEK LIBOR · sell · $13,610,673
MICHALEK LIBOR · exercise · $1,734,946
LINFORD MICHAEL ALAN · other
MICHALEK LIBOR · sell · $12,300,096
WATSON NOEL BERTRAM JR · sell · $110,000
15 signals · latest 3h ago

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