AFRM NASDAQ Week ended 31 Jul 2026

Weekly Investor Report

Affirm Holdings Inc · Financial Services · Credit Services

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Latest close 71.51 USD
1.8% latest week
Weekly setup

Mixed setup

The weekly trend is active. Price is 12.5% above the Trend Line and sits at 50.8% of its 52-week range. The latest completed week returned 1.8%, after a -15.5% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks strongly; valuation is expensive relative to peers. Options positioning is mixed with 44/100 conviction, while the latest news-sentiment score is 51/100. Near-term considerations: volume confirmation is below normal; earnings are due in 25d.

Setup score 34 out of 100
Latest Close 71.51 USD 31 Jul 2026
1W Return 1.8% latest completed week
4W Return -15.5% short-term follow-through
12W Return 11.7% quarterly tape
Trend Breadth 42.3% 22 of 52 weeks active
Volume Ratio 0.7x vs 13-week average
What is working
  • The trend backdrop is active with a 5-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • The share remains more than 20% below its 52-week high.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 1.8% Latest completed week; four-week move -15.5%. Indicator stack 41/55 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Mixed 44/100 conviction; expected move 6.7%. News sentiment 51/100 61 relevant articles in the latest sentiment read. Event risk 25d Next report is scheduled for 27 Aug 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 12.5% above the Trend Line and sits at 50.8% of its 52-week range. The latest completed week returned 1.8%, after a -15.5% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 0.7x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.7012-week average 0.39

12-week confirmation

Trend active5/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership3/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.70Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers0No reversal markers

No recent accumulation markers. No reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -15.5% over four weeks, 11.7% over 12 weeks, and 7.7% over one year. The current trend has remained active for 5 consecutive weeks.

Performance by holding period

1W1.8%
4W-15.5%
12W11.7%
26W18.6%
52W7.7%
Active trend streak5 weeks
Active weeks in one year22
Trend breadth42.3%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure0.49Latest activity-pressure read.
Pressure change-44.4%Four-week change in activity pressure.
Leadership-4.62Latest relative-leadership reading.
RS change-157.8%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks strongly; valuation is expensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Mar 2026 Field coverage 94% Model confidence 90%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength17/100Blend of value, momentum, and quality. Underlying universe rank 84; rank 1 is best.
Value5/100Relative valuation strength. Underlying universe rank 96; rank 1 is best.
Quality91/100Profitability and accounting quality. Underlying universe rank 10; rank 1 is best.
Momentum33/100Medium-term price momentum. Underlying universe rank 68; rank 1 is best.
Growth84/100Revenue and earnings growth. Underlying universe rank 17; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
61.5x
Price divided by trailing earnings.
Price / sales
5.9x
Market value relative to trailing revenue.
EV / EBITDA
26.8x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
4.1%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
67.7%
Gross profit retained from each unit of revenue.
Operating margin
21.1%
Operating profit retained from revenue.
Free-cash-flow margin
31.0%
Free cash flow generated from revenue.
Return on invested capital
7.9%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
32.1%
Latest one-year revenue growth.
EPS growth
-
Latest one-year earnings-per-share growth.
Free-cash-flow growth
27.4%
Latest one-year free-cash-flow growth.
Piotroski F-score
6/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
-
Cash dividends relative to market value.
Buyback yield
0.4%
Net share repurchases relative to market value.
Shareholder yield
0.4%
Dividend yield plus net buyback yield.
Net debt / EBITDA
5.8x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningMixed

AFRM shows mixed options pressure with a 44/100 conviction score, put-call volume ratio of 1.14, expected move of 6.7%, and Sharemaestro trend signal active.

Conviction44/100
Expected move6.7%
Put/call volume1.14
Pressure-8
Speculation41
Volatility69
Trend agreement97
Open options detail
Insider activity10 / 10

10 acquisitions and 10 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment51/100

Weighted news tone is neutral across 61 relevant articles.

18 positive · 34 neutral · 9 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings25dNext report is scheduled for 27 Aug 2026; event risk rises as the date approaches.
Options expected move6.7%Nearest-chain priced movement where available.
52-week drawdown-28.5%Distance below the 52-week high.
13-week volatility7.7%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher13 of 2613 weeks finished lower.
Best week+32.9%Week of 17 Apr.
Worst week-13.6%Week of 5 Jun.
Latest week+1.8%Week of 31 Jul.

Shape of recent returns

Strong gains10
Modest gains3
Flat weeks0
Modest losses4
Sharp losses9
Recent vol7.7%13-week weekly-return volatility.
Base vol9.1%52-week weekly-return volatility.
Up/down split23/29Count of positive and negative weeks in the 52-week window.
Average skew8.7% / -6.0%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape37/100

Trend, activity pressure, participation, and risk combine to a 37/100 tape read.

 Indicator analysis57/100

Latest 12-week confirmation: trend 5/12, activity pressure 12/12, relative leadership 3/12.

Activity pressure 0.70; No reversal markers Factors36/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 36 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options62/100

AFRM shows mixed options pressure with a 44/100 conviction score, put-call volume ratio of 1.14, expected move of 6.7%, and Sharemaestro trend signal active.

Mixed · Options-market disagreement · Expected move 6.7% Sentiment51/100

Weighted news tone is neutral across 61 relevant articles.

Affirm Holdings (AFRM) Reclaims Investor Confidence, with 146% Affirm Card Growth Insiders10 / 10

10 acquisitions and 10 disposals in the latest 180-day insider tape.

 Earnings25d

Next report is scheduled for 27 Aug 2026; event risk rises as the date approaches.

 Research flow4 items

1 recent research articles and 3 Market Watch posts are available.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202671.51 USD1.8%63.55 USD51.21 USD0.49-4.6215.7MOn
24 Jul 202670.23 USD-7.7%63.63 USD50.86 USD0.76-6.0819.0MOn
17 Jul 202676.07 USD-8.8%63.82 USD50.52 USD1.06-0.1819.1MOn
10 Jul 202683.42 USD-1.4%63.82 USD50.14 USD1.084.6518.9MOn
3 Jul 202684.58 USD6.4%63.28 USD49.71 USD0.887.9915.3MOn
26 Jun 202679.49 USD7.5%62.73 USD49.26 USD0.762.2524.6MOff
19 Jun 202673.92 USD11.7%62.45 USD48.84 USD0.68-9.3823.3MOff
12 Jun 202666.17 USD4.0%62.13 USD48.47 USD0.66-16.9818.8MOff
5 Jun 202663.61 USD-13.6%62.27 USD48.15 USD0.78-18.6424.3MOff
29 May 202673.65 USD12.9%62.61 USD47.85 USD0.85-10.3822.9MOff
22 May 202665.22 USD-0.9%62.55 USD47.48 USD0.81-18.3523.2MOff
15 May 202665.82 USD2.8%62.89 USD47.15 USD0.71-16.6928.0MOff
8 May 202664.01 USD-5.2%62.96 USD46.82 USD0.52-19.3630.4MOff
1 May 202667.54 USD6.0%63.19 USD46.49 USD0.02-10.3122.0MOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.