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Affirm Holdings Inc (AFRM) — chart, structure and Closelooknet read

The Closelooknet read

Affirm operates a payment network that lets shoppers split purchases into instalments at checkout, working through agreements with partner banks and capital-markets investors who fund the loans. It serves merchants across electronics, fashion, travel, home goods and other retail categories, both online and in physical stores.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for AFRM, from the same nightly bakes the boards use. Research diary readings, not advice.

Versus its index AI Users — the name, its sleeve and the index over day, week and month

Versus its index

The name against its Closelooknet index and its own sleeve — equal-weight, nightly closes.

AI Users · as of 2026-11-06

DayWeekMonth3 months
AFRM−2.2%−7.3%−11.7%−9.8%
Decision Intelligence & Risk−0.5%−1.9%−4.5%—
AI Users−0.7%+0.7%+6.6%—

Against the index: 8.0 pts behind on the week, 18.3 pts behind on the month; against its Decision Intelligence & Risk sleeve 7.2 pts behind on the month.

Returns from the index workers’ nightly closes; equal-weight sleeves. A relative reading from the research diary, not advice.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sector × region Financials in US: +1.2% week · +5.4% month · −0.8% quarter · +10.1% yearThe Sector Engine cell this name lives in, from XLF.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-07
  • Sovereign pressure Index -1.91 · down 2.45 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-06
How it trades on rate days beta 1.47 to TLT · on the worst bond days it fell more than the market

How it trades on rate days

How AFRM has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 1.47 — moves strongly with bonds for every 1% move in TLT (20+ year Treasuries), Affirm Holdings Inc moved 1.47% on average · correlation 0.24 · higher than 94% of US names
  • Beta, last 3 months 1.39 about the same as over the year
  • On the 10 worst bond days −1.32% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +5.11% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against AI Users · Decision Intelligence & Risk · 5 names with week and year-to-date

Peer group

AI Users · Decision Intelligence & Risk

Compared against AFRM on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Affirm Holdings Inc

AFRM in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Affirm operates a payment network that lets shoppers split purchases into instalments at checkout, working through agreements with partner banks and capital-markets investors who fund the loans. It serves merchants across electronics, fashion, travel, home goods and other retail categories, both online and in physical stores. The company is based in San Francisco and listed in the United States.
Where it sits in the stack
Affirm sits in the AI Users index, under the Decision Intelligence & Risk section, which covers companies that lean on AI for underwriting, credit, fraud and other complex decisions inside their own business. It disclosed in August 2025 that transformer models it trained internally now handle real-time consumer credit scoring and programme optimisation across what it describes as every significant part of the business, acting on their own rather than assisting staff. The same disclosure said merchants using its AdaptAI personalisation tool saw on average 5% higher gross merchandise value, and gave revenue per employee of around $1.5m. It disclosed in February 2025 that an AI chatbot answers close to 20,000 customer-service contacts a day, with roughly a third passed on to a human.
Who it is priced against
Closelooknet groups it with other AI Users names in Decision Intelligence & Risk: Nu Holdings, Capital One, JPMorgan Chase, Progressive and SoFi Technologies; the market also compares it with the instalment-lender Klarna.
Why Closelooknet tracks it
Affirm is a Russell 1000 constituent and holds its seat through the AI Users index under Decision Intelligence & Risk. It carries a Closelooknet score built across three modules so far, strongest on quality and weakest on valuation; the diary has not yet quoted it in an edition.
What the diary watches
The diary watches whether Affirm's stated aim of lifting AI-driven productivity over several years without adding headcount pushes revenue per employee above the roughly $1.5m level it reported in August 2025.

Affirm Holdings Inc (AFRM) trades on US exchanges, classified under Financial Services.

The Closelooknet company score reads 53/100 composite (momentum 58, quality 69, valuation 31) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-10-25. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 16 analyst actions on the wire · latest: price target by Piper Sandler, 2026-11-06

The Street on this name

Analyst actions and the latest print for AFRM from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Piper Sandler — target 105 Target set to $105 (+55% to spot) 2026-11-06
  • Price target RBC Capital — target 83 Target set to $83 (+20.6% to spot) 2026-11-06
  • Price target BofA Securities — target 109 Target set to $109 (+60.1% to spot) 2026-11-06

16 actions on the analyst wire since 2026-08-13: 2 initiations, 14 target changes. Analyst wire → · Earnings wire →

Dividends and capital return no distribution in twelve months

Dividends and capital return

What AFRM pays out and buys back — distributions read from the price series, money terms from the filings.

  • Distributions No cash distribution recorded in the price series over the last three years
  • Buybacks, FY2026 none reported
  • Share count +2.3% in FY2026 305 m USD of stock-based compensation in the year

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-07

Quick answers

What is Affirm Holdings Inc (AFRM)?

Affirm Holdings Inc trades as AFRM on the US exchange (United States) and is classified under Financial Services in the Closelooknet research universe, as of the registry build of 2026-11-07.

Is AFRM in a Closelooknet index?

Not currently — Affirm Holdings Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-07.

What is Affirm Holdings Inc's Closelooknet composite score?

53 out of 100, with momentum 58, quality 69 and valuation 31 sub-scores, as of 2026-11-07. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does AFRM trade against its moving averages?

Affirm Holdings Inc trades 6.1% below its 50-day and 2.4% above its 200-day moving average (6.8% below its 20-day). As of 2026-11-06 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How is AFRM doing against its Closelooknet index?

Over the past month Affirm Holdings Inc is −11.7% against +6.6% for the AI Users — 18.3 points behind its index, as of 2026-11-06. Its Decision Intelligence & Risk sleeve is −4.5% over the same month. The “Versus its index” table on this page carries the day, the week and the month for the name, its sleeve and the index.

How does Affirm Holdings Inc compare with its peers?

Against its peer group (AI Users · Decision Intelligence & Risk), Affirm Holdings Inc (AFRM) sits 24.7% below its 52-week high, 6.1% below its 50-day average; Progressive Corp (PGR) is 5.5% below, Capital One Financial Corporation (COF) is 21.6% below, JPMorgan Chase & Co (JPM) is 8.7% below, as of 2026-11-06. Put any of them next to AFRM in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Affirm Holdings Inc trade when bond yields rise?

Over the past year Affirm Holdings Inc had a beta of 1.47 to TLT, the long-dated Treasury fund — it moves strongly with bonds, higher than 94% of US names. On the 10 sessions in which long bonds fell most it moved −1.32% on average, against −0.74% for the S&P 500. As of 2026-11-06; The "How it trades on rate days" block on this page carries the lines.

What does Affirm Holdings Inc do?

Affirm operates a payment network that lets shoppers split purchases into instalments at checkout, working through agreements with partner banks and capital-markets investors who fund the loans. It serves merchants across electronics, fashion, travel, home goods and other retail categories, both online and in physical stores. The company is based in San Francisco and listed in the United States. Closelooknet groups it with other AI Users names in Decision Intelligence & Risk: Nu Holdings, Capital One, JPMorgan Chase, Progressive and SoFi Technologies; the market also compares it with the instalment-lender Klarna. (Company snapshot of 2026-10-25.)

Where does Affirm Holdings Inc sit in the AI build-out?

Affirm sits in the AI Users index, under the Decision Intelligence & Risk section, which covers companies that lean on AI for underwriting, credit, fraud and other complex decisions inside their own business. It disclosed in August 2025 that transformer models it trained internally now handle real-time consumer credit scoring and programme optimisation across what it describes as every significant part of the business, acting on their own rather than assisting staff. The same disclosure said merchants using its AdaptAI personalisation tool saw on average 5% higher gross merchandise value, and gave revenue per employee of around $1.5m. It disclosed in February 2025 that an AI chatbot answers close to 20,000 customer-service contacts a day, with roughly a third passed on to a human. Affirm is a Russell 1000 constituent and holds its seat through the AI Users index under Decision Intelligence & Risk. It carries a Closelooknet score built across three modules so far, strongest on quality and weakest on valuation; the diary has not yet quoted it in an edition. (Company snapshot of 2026-10-25.)

Does Affirm Holdings Inc pay a dividend?

No cash distribution shows in Affirm Holdings Inc’s price series over the last three years. The share count rose 2.3% over the fiscal year. As of 2026-11-06; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on Affirm Holdings Inc recently?

The most recent analyst action on Affirm Holdings Inc on the Closelooknet wire is a price target by Piper Sandler on 2026-11-06 (target 105). 16 actions on the analyst wire since 2026-08-13: 2 initiations, 14 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for AFRM, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Credit Services. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.