Affirm Holdings, Inc.
NASDAQ•AFRM
CEO: Mr. Max Roth Levchin
板块: Technology
行业: Software - Infrastructure
上市日期: 2021-01-13
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
联系方式
市值
$16.90B
市盈率 (TTM)
60.1
42.4
股息率
--
52周最高
$100.00
52周最低
$30.90
52周范围
排名65Top 96.0%
1.6
F-Score
改良版 Piotroski 分析
基于 7 年期基本面
疲弱 • 1.6 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2019-2025
财务仪表盘
Q2 2026 数据
营业收入
$1.12B+0.00%
近4季度走势
每股收益
$0.39+0.00%
近4季度走势
自由现金流
$118.03M+0.00%
近4季度走势
2026 Q2 财报亮点
核心亮点
Strong Quarterly Revenue Growth Total net revenue reached $1.123 B for the three months ended December 31, 2025, marking a substantial 30% increase.
Net Income Jumps 61% Net income for the quarter was $129.6 M, showing a significant 61% improvement compared to $80.4 M last year.
GMV Growth Accelerates Quarterly GMV hit $13.8 B, increasing 36% versus prior year, driven by top merchants and Affirm Card adoption.
Active Consumer Base Expands Active consumers grew 23% to 25.8 million as of December 31, 2025, indicating strong network adoption.
关注风险
Credit Loss Provision Rises Provision for credit losses increased 40% to $214.2 M for the quarter, reflecting higher expected lifetime losses.
Operating Expenses Increase Total operating expenses grew 15% to $1.005 B, driven by higher provision and technology investments.
Macroeconomic Uncertainty Persists Continued inflation and interest rate volatility may negatively impact consumer spending and loan repayment performance.
Legal Proceedings Exposure Ongoing legal claims, including appeals, require management resources and present unquantifiable financial uncertainty.
前瞻展望
Bank Charter Application Filed Submitted application for Affirm Bank subsidiary in Nevada, aiming for enhanced funding flexibility and diversification.
Valuation Allowance Release Expected Expect potential release of domestic deferred tax valuation allowance within FY2026 based on improved earnings trends.
Warrant Expense Normalization Amazon warrant expense decreased significantly as vesting completed, easing pressure on sales and marketing costs.
Focus on Network Expansion Strategy centers on expanding merchant base and platform partnerships to sustain consumer engagement and transaction growth.
同行对比
营业收入 (TTM)
$6.15B
$4.53B
$3.72B
毛利率 (最新季度)
88.5%
87.4%
85.1%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| CPAY | $23.00B | 21.3 | 27.9% | 38.3% |
| VRSN | $22.14B | 26.7 | -40.4% | 135.6% |
| CYBR | $20.64B | -140.0 | -6.2% | 25.4% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
12.8%
稳定增长
4季度净利润复合增长率
258.9%
盈利能力强劲提升
现金流稳定性
100%
现金流表现优异
深度研究
下次财报:2026年5月6日
每股收益:-
|营业收入:-
财务数据
电话会议
财务报告
新闻
利润表
资产负债表
现金流量表
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变化率
利润表 | 过去12个月 |
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