XOOMAR

Affirm Holdings, Inc. (AFRM)

Every FINRA and SEC series the site collects for Affirm Holdings, Inc.: short interest with days to cover, daily short sale volume, fails to deliver and Form 4 insider trades. Listed on Nasdaq, classified by the SEC as personal credit institutions.

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15.7M

Short interest

settlement 2026-08-31

2.4

Days to cover

+8.3% vs prior

42.0%

Short share of volume

2026-09-11

2,377

Fails to deliver

settlement 2026-08-14

-$24.7M

Insider flow, 90 days

0 buys, 11 sells

As of 2026-09-11.

Short interest

FINRA, twice a month; the last 12 months shown, all 48 settlements in the JSON

As of 31 August 2026, short interest in AFRM is 15,666,710 shares, up 275,169 shares over the last month. Over the last 48 readings it ranged from 12,176,052 shares (28 February 2025) to 21,116,951 shares (13 September 2024). At the reported average volume of 6.4M shares a day that is 2.4 days to cover.

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SettlementShares shortChangeAvg daily volumeDays to cover
2026-08-3115,666,710+8.3%6,433,0032.44
2026-08-1414,461,742-6.0%2,688,5755.38
2026-07-3115,391,541-8.0%3,521,1234.37
2026-07-1516,725,898-13.4%3,649,0104.58
2026-06-3019,326,088+4.5%4,833,3474.00
2026-06-1518,485,674-2.2%4,453,2304.15
2026-05-2918,900,130+0.0%5,045,1273.75
2026-05-1518,895,880-1.1%5,793,5083.26
2026-04-3019,098,467+3.2%4,866,4413.92
2026-04-1518,512,049+8.3%4,777,8933.87
2026-03-3117,101,506+4.9%5,445,7573.14
2026-03-1316,308,291-7.9%5,733,5722.84
2026-02-2717,709,657-1.2%6,310,7122.81
2026-02-1317,923,630+22.4%10,207,8211.76
2026-01-3014,647,345-7.6%5,342,4242.74
2026-01-1515,845,141-10.5%5,470,2492.90
2025-12-3117,697,018-2.8%4,617,6523.83
2025-12-1518,199,401+19.2%4,673,3403.89
2025-11-2815,266,385+10.4%4,864,6923.14
2025-11-1413,822,665+7.3%7,211,6501.92
2025-10-3112,884,745-6.7%5,028,4132.56
2025-10-1513,813,559-12.5%5,749,6622.40
2025-09-3015,791,775-7.2%7,279,3902.17
2025-09-1517,008,700-1.8%9,186,2411.85

Daily short volume

FINRA Reg SHO, last 60 sessions. JSON

As of 11 September 2026, the short share of AFRM volume is 42.0%, down 5.0 points over the last five sessions. Over the last 52 readings it ranged from 22.1% (30 July 2026) to 63.2% (9 September 2026). The latest reading is 6.0 points below the 30-session average of 48.1%, on 2.3M shares reported.

DateShort volumeTotal volumeShort shareExempt
2026-09-11958K2.3M42.0%13,480
2026-09-10743K1.7M43.7%0
2026-09-091.7M2.7M63.2%15,601
2026-09-08731K1.3M54.3%0
2026-09-04810K1.5M53.7%765
2026-09-03811K1.7M47.0%3,040
2026-09-021.2M2.5M45.5%1,835
2026-09-011.6M3.6M44.7%502
2026-08-312.1M5.6M38.2%2,553
2026-08-285.8M11.4M50.4%32,479
2026-08-271.5M3.0M50.1%13,587
2026-08-26452K800K56.5%0
2026-08-25525K1.1M49.7%11,041
2026-08-24453K846K53.5%803
2026-08-21533K1.1M49.9%34,300
2026-08-20623K1.3M46.4%432
2026-08-19591K1.3M46.0%483
2026-08-18728K1.7M43.2%4,210
2026-08-17822K1.3M62.6%1,466
2026-08-14381K804K47.4%25
2026-08-13520K1.1M45.6%987
2026-08-12881K1.6M55.7%7,302
2026-08-11344K686K50.1%389
2026-08-10411K1.1M37.2%1,051
2026-08-07526K1.4M37.4%248
2026-08-06488K1.1M42.6%2,329
2026-08-05474K1.0M46.7%749
2026-08-04511K1.2M41.3%584
2026-08-03667K1.3M50.1%203,745
2026-07-31531K1.1M47.5%3,564

Fails to deliver

SEC, by settlement date. JSON

As of 14 August 2026, the fails-to-deliver balance in AFRM is 2,377 shares, up 2,133 shares over the last settlement date. Over the last 52 readings it ranged from 5 shares (3 June 2026) to 111,688 shares (20 July 2026). The latest reading sits at the bottom of that range.

SettlementShares failedPriceValue
2026-08-142,377$78.32$186K
2026-08-12244$76.71$19K
2026-08-0653,945$78.47$4.2M
2026-08-0538,182$78.12$3.0M
2026-08-047,262$75.63$549K
2026-08-0320$71.51$1K
2026-07-3111,230$73.25$823K
2026-07-304,046$70.11$284K
2026-07-2910,452$72.40$757K
2026-07-285$73.05$365
2026-07-2713$70.23$913
2026-07-2221$74.72$2K
2026-07-20111,688$76.07$8.5M
2026-07-17439$79.84$35K
2026-07-13500$83.42$42K
2026-07-1029,940$83.78$2.5M
2026-07-09102,678$81.28$8.3M
2026-07-0881,845$83.62$6.8M
2026-07-0729,940$85.78$2.6M
2026-07-0645,070$84.58$3.8M
2026-07-0236,582$83.85$3.1M
2026-07-01231$81.55$19K
2026-06-2980,078$79.49$6.4M
2026-06-269,714$76.85$747K
2026-06-2519,939$77.66$1.5M
2026-06-245,893$71.83$423K
2026-06-2328,396$72.20$2.1M
2026-06-2280,586$73.92$6.0M
2026-06-1716,490$74.69$1.2M
2026-06-151,191$66.17$79K

Insider trades

SEC Form 4, newest first, 50 of 100 shown. JSON

Insiders at AFRM reported 11 open-market sells worth $24.7M in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: Jiyane Siphelele (Chief Accounting Officer) on 2026-09-04.

DateInsiderTitleTypeSharesPriceValueOwned after
2026-09-04Jiyane SipheleleChief Accounting OfficerSell25K$72.41$1.8M216K
2026-09-03Adkins KatherineChief Legal OfficerSell42K$75.53$3.1M152K
2026-09-03Adkins KatherineChief Legal OfficerOption exercise37K$23.35$870K194K
2026-09-03Adkins KatherineChief Legal OfficerOption exercise4K$22.30$98K157K
2026-09-02O'Hare RobertChief Financial OfficerSell6K$74.02$436K3K
2026-09-01O'Hare RobertChief Financial OfficerSell200$72.51$15K9K
2026-09-01O'Hare RobertChief Financial OfficerSell16K$71.59$1.1M9K
2026-09-01O'Hare RobertChief Financial OfficerTax withholding6K$69.94$427K24K
2026-09-01O'Hare RobertChief Financial OfficerOption exercise12K$0.00$030K
2026-09-01Michalek LiborPresidentTax withholding6K$69.94$405K230K
2026-09-01Michalek LiborPresidentOption exercise11K$0.00$0236K
2026-09-01Linford MichaelPresidentTax withholding5K$69.94$326K128K
2026-09-01Linford MichaelPresidentOption exercise12K$0.00$0132K
2026-09-01Jiyane SipheleleChief Accounting OfficerTax withholding4K$69.94$249K241K
2026-09-01Jiyane SipheleleChief Accounting OfficerOption exercise9K$0.00$0244K
2026-09-01Adkins KatherineChief Legal OfficerSell2K$71.87$165K152K
2026-09-01Adkins KatherineChief Legal OfficerSell16K$71.00$1.1M155K
2026-09-01Adkins KatherineChief Legal OfficerSell24K$70.13$1.7M170K
2026-09-01Adkins KatherineChief Legal OfficerOption exercise42K$22.30$929K194K
2026-09-01Adkins KatherineChief Legal OfficerTax withholding5K$69.94$335K152K
2026-09-01Adkins KatherineChief Legal OfficerOption exercise11K$0.00$0157K
2026-08-28Linford MichaelChief Operating OfficerSell79K$90.01$7.1M121K
2026-08-28Linford MichaelChief Operating OfficerOption exercise79K$5.39$427K200K
2026-08-12Watson Noel Bertramn/aSell2K$77.86$156K34K
2026-08-01Michalek LiborPresidentTax withholding1K$71.51$85K225K
2026-08-01Michalek LiborPresidentOption exercise2K$0.00$0226K
2026-08-01Linford MichaelChief Operating OfficerTax withholding970$71.51$69K121K
2026-08-01Linford MichaelChief Operating OfficerOption exercise2K$0.00$0122K
2026-08-01Adkins KatherineChief Legal OfficerTax withholding634$71.51$45K147K
2026-08-01Adkins KatherineChief Legal OfficerOption exercise1K$0.00$0147K
2026-07-01Reses Jacqueline Dn/aGrant655$0.00$049K
2026-07-01GALANTI RICHARD An/aGrant655$0.00$012K
2026-07-01Liew Jeremyn/aGrant655$0.00$0317K
2026-07-01Michalek LiborPresidentTax withholding1K$83.85$100K224K
2026-07-01Michalek LiborPresidentOption exercise2K$0.00$0225K
2026-07-01Quarles Christa Sn/aGrant655$0.00$069K
2026-07-01Schneider Ryan M.n/aGrant3K$0.00$04K
2026-07-01Schneider Ryan M.n/aGrant655$0.00$0655
2026-07-01Linford MichaelChief Operating OfficerTax withholding972$83.85$82K119K
2026-07-01Linford MichaelChief Operating OfficerOption exercise2K$0.00$0120K
2026-07-01Adkins KatherineChief Legal OfficerTax withholding635$83.85$53K146K
2026-07-01Adkins KatherineChief Legal OfficerOption exercise1K$0.00$0147K
2026-06-26Linford MichaelChief Operating OfficerSell100K$80.04$8.0M118K
2026-06-26Linford MichaelChief Operating OfficerOption exercise100K$5.39$539K218K
2026-06-01Linford MichaelChief Operating OfficerTax withholding5K$72.91$340K118K
2026-06-01Linford MichaelChief Operating OfficerOption exercise12K$0.00$0123K
2026-06-01O'Hare RobertChief Financial OfficerTax withholding8K$72.91$609K18K
2026-06-01O'Hare RobertChief Financial OfficerOption exercise16K$0.00$027K
2026-06-01Michalek LiborPresidentTax withholding6K$72.91$422K223K
2026-06-01Michalek LiborPresidentOption exercise11K$0.00$0228K

Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are the rarer, stronger signal.

Planned sales (Form 144)

Newest first. JSON

7 Form 144 notices on file for AFRM worth $15.9M at the prices reported; 7 in the last 90 days worth $15.9M. Latest: SIPHELELE JIYANE filed on 2026-09-04 to sell 25,000 shares ($1.8M) from 2026-09-04.

FiledSellerSharesMarket valueOf outstandingSale fromBroker
2026-09-04SIPHELELE JIYANEOfficer25K$1.8M0.008%2026-09-04Morgan Stanley Smith Barney LLC Executive Financial Services
2026-09-03KATHERINE ADKINSOfficer42K$3.1M0.014%2026-09-03Morgan Stanley Smith Barney LLC Executive Financial Services
2026-09-02ROBERT O'HAREOfficer6K$412K0.002%2026-09-02Morgan Stanley Smith Barney LLC Executive Financial Services
2026-09-01ROBERT O'HAREOfficer16K$1.2M0.005%2026-09-01Morgan Stanley Smith Barney LLC Executive Financial Services
2026-09-01KATHERINE ADKINSOfficer42K$3.1M0.014%2026-09-01Morgan Stanley Smith Barney LLC Executive Financial Services
2026-08-28MICHAEL LINFORDOfficer79K$6.1M0.027%2026-08-28Morgan Stanley Smith Barney LLC Executive Financial Services
2026-08-12NOEL WATSONOfficer2K$153K0.001%2026-08-12Morgan Stanley Smith Barney LLC Executive Financial Services

Large holders (13D and 13G)

One row per reporting person, newest filing first. JSON

4 holders above 5% have filed on AFRM, all on Schedule 13G (passive). The largest reported stake is Capital World Investors at 7.9% of the class (23,115,136 shares), filed 2026-08-12 for an event on 2026-06-30.

FiledFormHolderSharesOf classEvent
2026-08-1213G/Ano. 2Capital World Investorsinvestment adviser23.1M7.9%2026-06-30
2026-07-1613GJPMORGAN CHASE & COparent holding company16.8M5.7%2026-06-30
2026-03-2613G/Ano. 3The Vanguard Groupinvestment adviser00.0%2026-03-13
2026-01-2113GBlackRock, Inc.parent holding company14.8M5.1%2025-12-31

13F holders

Tracked managers holding AFRM at their latest 13F. JSON

9 of the 30 tracked managers held AFRM at their latest 13F, $583.4M in total at quarter-end prices. Citadel Advisors is the largest at $329.4M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 6 added shares and 3 cut.

FundQuarterSharesValueOf portfolioChange in shares
Citadel Advisors2026-06-304.0M$329.4M0.04%-3.1M
Millennium Management2026-06-301.5M$121.9M0.04%+695K
Point72 Asset Management2026-06-30485K$39.6M0.04%+288K
D. E. Shaw & Co.2026-06-3030.0M$35.0M0.02%+28.9M
D. E. Shaw & Co.2026-06-30332K$27.0M0.01%-29.7M
AQR Capital Management2026-06-30237K$19.3M0.01%-201K
Renaissance Technologies2026-06-3075K$6.1M0.01%+69K
Two Sigma Investments2026-06-3051K$4.2M0.00%+26K
Millennium Management2026-06-30800K$933K0.00%+9K

Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.

Financials

SEC XBRL, as filed. JSON

In Q4 2026 (quarter ended 2026-06-30) Affirm Holdings, Inc. reported revenue of $387.5M, up 26.4% from the same quarter a year earlier, and net income of $1.62B. In FY 2026 it generated $1.23B of operating cash flow. As of 2026-06-30, cash was $1.63B against $9.79B of debt.

Cash
$1.63B
Debt
$9.79B
Equity
$5.48B
Total assets
$15.79B

Quarterly, last 8 quarters

QuarterPeriod endRevenueNet incomeMarginDiluted EPS
Q4 2026derived2026-06-30$387.5M$1.62B417.2%n/a
Q1 20262026-03-31$334.5M$102.9M30.8%0.30
Q4 20252025-12-31$401.4M$129.6M32.3%0.37
Q3 20252025-09-30$320.5M$80.7M25.2%0.23
Q4 2025derived2025-06-30$306.6M$69.2M22.6%n/a
Q1 20252025-03-31$272.5M$2.8M1.0%0.01
Q4 20242024-12-31$303.0M$80.4M26.5%0.23
Q3 20242024-09-30$231.8M-$100.2M-43.2%-0.31

Fiscal years, with buybacks and dividends

Fiscal yearEndsRevenueNet incomeOperating cash flowCapexBuybacksDividends
FY 20262026-06-30$1.44B$1.93B$1.23B$238.3M$0n/a
FY 20252025-06-30$1.11B$52.2M$793.9M$192.2M$250.0Mn/a
FY 20242024-06-30$826.0M-$517.8M$450.1M$159.3M$0n/a
FY 20232023-06-30$626.9M-$985.3M$12.2M$120.8M$109Kn/a
FY 20222022-06-30$559.2M-$707.4M-$162.2M$86.3M$86Kn/a

Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are cash paid to repurchase common stock in the year (XBRL PaymentsForRepurchaseOfCommonStock), not authorizations. Balance sheet lines are as of 2026-06-30.

What this page is

Affirm Holdings, Inc. in the regulatory record

Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page pulls every series the site collects for one ticker onto one URL, keyed by the SEC's own ticker list, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.

Each section has its own history table, a summary sentence built from the rows (last value, change, range with dates) and its own JSON and CSV links. Nothing on the page is written by a model; the sentences change only when the data does. A page exists only for companies with data in at least two series, and every section says when its source last updated.

This page follows Affirm Holdings, Inc. (AFRM), SEC CIK 1820953, listed on Nasdaq, classified by the SEC as personal credit institutions. The cross-market tables live on the short interest and insider transactions hubs.

Source and method

Short interest
FINRA consolidated short interestTwice a month, about eight business days after settlement. Latest 2026-08-31.JSON and CSV
Daily short volume
FINRA Reg SHO daily filesEvery trading day, loaded the following morning. Latest 2026-09-11.JSON and CSV
Fails to deliver
SEC fails-to-deliver dataTwice a month, a few weeks after the half month ends. Latest 2026-08-14.JSON and CSV
Planned sales
SEC EDGAR Form 144EDGAR read every 30 minutes; a notice is filed on or before the sell order. Latest 2026-09-04.JSON and CSV
Large holders
SEC EDGAR Schedule 13D and 13GEDGAR read every 30 minutes; 13D within five business days of crossing 5%, 13G on the passive schedule. Latest 2026-08-12.JSON and CSV
13F holders
SEC EDGAR Form 13F-HRQuarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
Financials
SEC XBRL company factsRefreshed weekly from the SEC's structured data; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
Insider trades
SEC EDGAR Form 4EDGAR read every 30 minutes; filings are due two business days after the trade. Latest 2026-09-04.JSON and CSV
Company record
EDGAR filing index for CIK 1820953Ticker, name and exchange from the SEC's company list, refreshed weekly.
Rate limits
30 requests a minute without a key, 120 a minute with a key from a free account.

Data checks. Every dataset is checked against its source once a day. This dataset passed the last run, 14 Sep 05:40 UTC.

How to read it

  • Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
  • Insider buys next to a crowded short are the combination that has historically preceded squeezes; insider sells next to a crowded short are common and mean little.
  • Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.

Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.

Datasets

Frequently Asked Questions

How much of AFRM is sold short?
15,666,710 shares were held short at the 2026-08-31 settlement, 2.4 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is AFRM's daily short volume?
On 2026-09-11, 958,127 of the 2,279,617 AFRM shares reported to FINRA were sold short, 42.0% of the day's reported volume. Short volume is a flow for one day, not a position.
Does AFRM have fails to deliver?
The SEC's latest file shows 2,377 AFRM shares failed to deliver at settlement 2026-08-14. Fails are reported per settlement date and published twice a month with a lag.
Are AFRM insiders buying or selling?
Insiders at AFRM reported 11 open-market sells worth $24.7M in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: Jiyane Siphelele (Chief Accounting Officer) on 2026-09-04.
Have AFRM insiders filed to sell?
7 Form 144 notices on file for AFRM worth $15.9M at the prices reported; 7 in the last 90 days worth $15.9M. Latest: SIPHELELE JIYANE filed on 2026-09-04 to sell 25,000 shares ($1.8M) from 2026-09-04.
Who owns more than 5% of AFRM?
4 holders above 5% have filed on AFRM, all on Schedule 13G (passive). The largest reported stake is Capital World Investors at 7.9% of the class (23,115,136 shares), filed 2026-08-12 for an event on 2026-06-30.
What did AFRM report last quarter?
In Q4 2026 (quarter ended 2026-06-30) Affirm Holdings, Inc. reported revenue of $387.5M, up 26.4% from the same quarter a year earlier, and net income of $1.62B. In FY 2026 it generated $1.23B of operating cash flow. As of 2026-06-30, cash was $1.63B against $9.79B of debt.
Which funds hold AFRM?
9 of the 30 tracked managers held AFRM at their latest 13F, $583.4M in total at quarter-end prices. Citadel Advisors is the largest at $329.4M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 6 added shares and 3 cut.

Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.