When is AFRM's next earnings date?

Based on SEC filing cadence, Affirm Holdings Inc. (AFRM)'s next quarterly reporting window is estimated around Dec 28, 2026.

How much is AFRM stock expected to move on earnings?

Volatility modeling currently projects a ±10% event move for AFRM, spanning a range between $66.22 and $80.94.

Stock Ratings / Financials / AFRM / earnings

SYF (69) SOFI (32) EFX (71) CRCL (44) ⌘ Pro Terminal →

Affirm Holdings Inc. (AFRM) Next Earnings Date & Expected ±10% Move

$73.58 +0.15% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $73.46

Affirm Holdings Inc. (AFRM) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $24.90B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AFRM Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AFRM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Affirm Holdings Inc. (NASDAQ: AFRM) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $73.58 (+0.15% 1D, market cap $24.90B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, AFRM ranks #404 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AFRM compare to SYF and SOFI in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), AFRM carries a Roarable C- (59/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -1.2%. By comparison, SYF (Synchrony Financial) holds a C+ grade (69/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.46B) and SOFI (SoFi Technologies Inc.) posts a E grade (32/100 RQD, P/E 47.3x, ROIC 2.1%, cap $21.65B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AFRM?

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Per AFRM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001820953), Affirm Holdings Inc. generated $1.11B in revenue (+34.9% YoY), $52.2M in net income, and $601.7M in free cash flow against $12.96B in total assets and $4.23B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $73.46 (-0.16%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 54% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AFRM)Realized 20D OHLCV Swing Band: ±10%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY AFRM SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 54% FCF Margin ($601.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (50) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$70.51+4.3% Next Q

Q2 (-2Q)

Grade C-$73.51-0.3% Next Q

Q3 (-1Q)

Grade C$73.32+0.4% Next Q

Current

Grade C-$73.58+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AFRM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, AFRM faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($72.91) or 200D SMA ($66.55) invalidates the momentum regime and cuts Target Base ($73.91) toward Bear Floor ($57.65).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AFRM• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “AFRM Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 28, 2026 (~54 DAYS)

Historical OHLCV Volatility ±10% Swing Band

±$7.36 Expected Swing

MODEL EARNINGS SETUP GAUGE

AFRM Quantitative Pre-Earnings Setup: 59/100

Trailing EPS: $4.25 • YoY Revenue Growth: 34.9%

Model Bullish Setup (59/100)Model Risk Weight (41/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-06-30	$1.11B	$52.2M	$601.7M	52%
FY 2024	2024-06-30	$826.0M	-$517.8M	$290.8M	52%
FY 2023	2023-06-30	$626.9M	-$985.3M	-$16.0M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating AFRM & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on AFRM
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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AFRM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.69%▲ ASCENDING CHANNEL

2026-11-03O $74.84H $74.84L $73.47C $73.58VOL 2.92M

RES: $95.79SUP: $68.90SMA50: $72.91SMA200: $66.55

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AFRM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AFRM Butterfly Map → + Track AFRM →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. +34.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AFRM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AFRM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AFRM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AFRM)

Financials Rank #404 of 1097 ⚔️ SYF vs AFRM Full Matrix →

1. Head-to-Head Financials Peer Comparison (AFRM vs. SYF, SOFI, EFX, CRCL)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Affirm Holdings Inc. (AFRM) ranks #404 by composite RQD confidence (59/100, grade C-) and #105 by equity capitalization ($24.90B). Within this direct 5-issuer industry benchmark cohort, SYF leads on earnings valuation at 6.7x trailing P/E, while EFX leads on capital efficiency and profitability with 10.2% ROIC and — gross margin. EFX currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with AFRM at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AFRM ACTIVE Affirm Holdings Inc.	C-	59/100	—	—	-1.2%	+0.15%	$24.90B	Benchmark Subject
SYF Synchrony Financial	C+	69/100	6.7x	—	7.6%	+1.95%	$23.46B	/syf-vs-afrm →
SOFI SoFi Technologies Inc.	E	32/100	47.3x	—	2.1%	-0.95%	$21.65B	/sofi-vs-afrm →
EFX Equifax Inc.	B-	71/100	31.8x	—	10.2%	+4.29%	$21.60B	/efx-vs-afrm →
CRCL Circle Internet Group Inc.	D	44/100	—	—	-0.2%	-0.63%	$18.42B	/crcl-vs-afrm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001820953 ↗

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Affirm Holdings Inc. (AFRM) reported GAAP revenue of $1.11B (+34.9% vs. FY2024 revenue of $826.0M , and +77.7% cumulative change since FY2023) , GAAP net income of $52.2M, operating cash flow of $793.9M, and free cash flow of $601.7M (+106.9% YoY). On the balance sheet, AFRM closed FY2025 with $12.96B in total assets against $4.23B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-06-30	$1.11B	$52.2M	$793.9M	$601.7M	$12.96B	$4.23B
FY2024 (FY)	2024-06-30	$826.0M	-$517.8M	$450.1M	$290.8M	$10.48B	$3.46B
FY2023 (FY)	2023-06-30	$626.9M	-$985.3M	$12.2M	-$16.0M	$13.95B	$3.26B

3. AFRM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AFRM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does AFRM compare to SYF and SOFI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for AFRM?

Where is AFRM trading relative to its 50-day, 200-day, and 52-week technical levels?

AFRM last traded at $73.58 (+0.15% on volume of 3,917,551 shares), positioning the stock +0.92% above its 50-day simple moving average ($72.91) and +10.56% above its 200-day simple moving average ($66.55). Across its 52-week range of $42.10 to $90.44, AFRM sits at the 65.1% percentile with a 14-day RSI of 50.0 (NEUTRAL RANGE) and an implied next-earnings move of ±10.0% ($66.22 to $80.94).

Direct Sub-Reports: AFRM RQD Cockpit AFRM 12M Forecast AFRM Earnings & Move AFRM Dividends & DRIP AFRM Insiders & 13F AFRM Whale Options AFRM Profit Sankey AFRM News & Why

ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

AFRM — Affirm Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Affirm Holdings Inc. (AFRM) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $73.58 (+0.15% 1D, market capitalization $24.90B).

Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of -1.2%, gross margin of —, operating margin of -7.8%, and free cash flow yield of 2.37%.
Whale 13F & Options Flow (13/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (8/20) + Forensic Balance Sheet (15/20): Incorporates a 0.96x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Affirm Holdings Inc. Is listed on NASDAQ under the ticker AFRM..

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Affirm Holdings Inc. (AFRM) reported $1.11B in annual revenue (up from $826.0M in FY2024, +34.9% YoY) and $52.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($626.9M revenue, -$985.3M net income) through FY2025, AFRM scaled operating cash flow to $793.9M and free cash flow to $601.7M, backed by $12.96B in total assets against $4.23B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C- • RQD 59/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.37% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $42.10 – $90.44 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -7.8% operating margins and a 0.96x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source therefore does not establish upstream or downstream dependencies, sector correlations, or second-order bottlenecks for AFRM. The only sector context available is the Financials classification and the Finance: Consumer Services industry. An investor should treat the absence of mapped ripples as a data gap rather than evidence of insulation.

Key Question #1: Can AFRM sustain or expand its -7.8% operating margin and -1.2% ROIC against Finance: Consumer Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.11B and free cash flow of $601.7M, how will capital allocation balance growth reinvestment against $4.23B in total debt?
Key Question #3: How sensitive is AFRM's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 0.96x)?

AFRM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Affirm Holdings Inc. (AFRM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AFRM Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

Why Affirm Holdings (AFRM) Outpaced the Stock Market Today

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Trefis • 1d ago

7 Green Days In A Row: Affirm Stock Is Up 17%

Trefis report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Is It Worth Investing in Affirm Holdings (AFRM) Based on Wall Street's Bullish Views?

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Affirm (AFRM) Stock Looks Stretched After A 3x Three Year Run

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Yahoo Finance • 1d ago

Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

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🔴 RISK WATCH Yahoo Finance • 1d ago

Affirm Holdings (AFRM) Stock Dropped, So What Is Driving Attention Now?

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

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🟢 CATALYST Yahoo Finance • 1d ago

Will Affirm Holdings (AFRM) Beat Estimates Again in Its Next Earnings Report?

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Yahoo Finance • 1d ago

Wall Street Analysts See Affirm Holdings (AFRM) as a Buy: Should You Invest?

Yahoo Finance report covering Affirm Holdings Inc. (AFRM) market action, institutional positioning, and fundamental catalysts.

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AFRM Bull vs. Bear Conversation Board — What's Your Call at $73.58?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AFRM 🐻 33% BEARISH CONVICTION

AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $84.49 (+15.0%)

📌 Pinned Debate

Forensic balance sheet scores 15/20 with Piotroski F 8/9 and Debt/Equity 0.5, and FY 2025 net income turned positive at $52.2M on reven

Forensic balance sheet scores 15/20 with Piotroski F 8/9 and Debt/Equity 0.5, and FY 2025 net income turned positive at $52.2M on revenue of $1.11B.. When you look under the hood at AFRM, Fundamental Cash Engine is 13/20 with 0.0% gross margins and -1.2% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (13/20) has been quietly accumulating below $90.44. My 12M target is $84.49.

CapAlloc_Nerd 🐂 BULL

@ForensicBear Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $57.31 (-22.0%)

Spot @ $73.47

ROIC is -1.2%, operating income was -$87.3M in FY 2025, and insider conviction scores only 10/20 against a debt load of $4.23B.

Here is the bear case nobody on the bull side wants to address on AFRM: ROIC is -1.2%, operating income was -$87.3M in FY 2025, and insider conviction scores only 10/20 against a debt load of $4.23B.. At current EV/EBITDA multiples, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.