AFRM Stock — Affirm Holdings Inc.

Affirm Holdings Inc. (AFRM)

Updated October 16, 2026.

AFRM is a Stock. Total return is -23.9% over the past 5.8 years, 140.9 points behind SPY at 117.0%.

Affirm Holdings operates a payment network that provides pay-over-time solutions at checkout for consumers and merchants across the United States, Canada, and internationally. The platform partners with originating banks and capital markets participants to enable customers to finance purchases, serving merchants across electronics, fashion, home goods, travel, and other sectors. The company does not currently distribute dividends and appeals to growth-oriented investors rather than income-focused ones.

AFRM performance versus SPY

Price and return data through 2026-10-16.

Total return is -23.9% over the past 5.8 years, 140.9 points behind SPY at 117.0%. Over the past year its total return — price change plus distributions reinvested — is 7.2%. Its deepest 1-year drawdown was 48.8%.

AFRM key facts

Asset type

Stock

Asset class

Equity

Inception date

01/13/2021

Distribution frequency

None

Last close

$74.01 (as of 2026-10-16)

Market cap

$21,972,234,008

Average volume

3630160.0

Beta

3.817

Payout ratio

0.0%

P/E ratio

13.38

Forward P/E

35.5872

EPS

$5.53

How Dividend Vision calculates yield and returns

Distribution rate (the posted rate) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

AFRM risks and drawbacks

Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 48.8%.

Who may consider AFRM — and who may not

It is a weaker fit for investors who need monthly cash flow (AFRM does not currently distribute); investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on AFRM

• All tickers starting with A

Tagged: Financials.

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