AFRM — Affirm Holdings, Inc.

Summary

Table of Contents

Company

Data:

{
  "symbol": "AFRM",
  "price": 78.16,
  "marketCap": 26175671137,
  "beta": 3.817,
  "lastDividend": 0,
  "range": "42.095-90.44",
  "change": -0.47,
  "changePercentage": -0.59774,
  "volume": 534656.04315,
  "averageVolume": 4309364,
  "companyName": "Affirm Holdings, Inc.",
  "currency": "USD",
  "cik": "0001820953",
  "isin": "US00827B1061",
  "cusip": "00827B106",
  "exchangeFullName": "NASDAQ Global Select",
  "exchange": "NASDAQ",
  "industry": "Financial - Credit Services",
  "website": "https://www.affirm.com",
  "description": "Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.",
  "ceo": "Max Rafailovych Levchin",
  "sector": "Financial Services",
  "country": "US",
  "fullTimeEmployees": "2358",
  "phone": "415 984 0490",
  "address": "221 Main Street",
  "city": "San Francisco",
  "state": "CA",
  "zip": "94105",
  "image": "https://images.financialmodelingprep.com/symbol/AFRM.png",
  "ipoDate": "2021-01-13",
  "defaultImage": false,
  "isEtf": false,
  "isActivelyTrading": true,
  "isAdr": false,
  "isFund": false
}

Price / Quote

Data:

{
  "symbol": "AFRM",
  "name": "Affirm Holdings, Inc.",
  "price": 78.0258,
  "changePercentage": -0.76841,
  "change": -0.6042,
  "volume": 786252.2917,
  "dayLow": 77.55,
  "dayHigh": 79.43,
  "yearHigh": 90.44,
  "yearLow": 42.095,
  "marketCap": 26130727751,
  "priceAvg50": 73.9216,
  "priceAvg200": 66.8293,
  "exchange": "NASDAQ",
  "open": 78.54,
  "previousClose": 78.63,
  "timestamp": 1791906158,
  "quote_spread": {},
  "chart_vwap_daily": [
    {
      "t": "2026-09-01",
      "v": 70.5212,
      "c": 69.94
    },
    {
      "t": "2026-09-02",
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      "c": 74.09
    },
    {
      "t": "2026-09-03",
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      "c": 74.3
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    {
      "t": "2026-09-04",
      "v": 72.3346,
      "c": 72.35
    },
    {
      "t": "2026-09-08",
      "v": 71.572,
      "c": 72.08
    },
    {
      "t": "2026-09-09",
      "v": 68.8165,
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    {
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    {
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    {
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    {
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    {
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    {
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    {
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    {
      "t": "2026-10-09",
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    {
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    {
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  "vwap_summary": {
    "days": 30,
    "days_above": 15,
    "days_below": 15,
    "pct_days_above": 50,
    "position": "below",
    "gap_pct": -0.66,
    "streak_days": 2
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}

Volume

Data:

{
  "volume": 786252.2917,
  "avgVolume": 4309364,
  "short_ratio": [
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      "symbol": "AFRM",
      "file_date": "2026-10-12",
      "date": "20261012",
      "short_volume": 565366,
      "short_exempt_volume": 210,
      "total_volume": 1193341,
      "short_volume_ratio": 0.4738,
      "signal": "Neutral"
    }
  ],
  "volume_profile": {
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    "vah": 73.32,
    "val": 67.08,
    "profile": [
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    ],
    "sessions": 20
  }
}

Fundamentals

Data:

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  "symbol": "AFRM",
  "marketCap": 26157251716,
  "enterpriseValueTTM": 33575920094,
  "evToSalesTTM": 8.01650491039233,
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  "evToEBITDATTM": 26.83517211490005,
  "netDebtToEBITDATTM": 5.91154679913289,
  "currentRatioTTM": 12.727950058635253,
  "incomeQualityTTM": 0.6381181815873516,
  "grahamNumberTTM": 45.51110809780067,
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  "taxBurdenTTM": 3.916564175627022,
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  "workingCapitalTTM": 2660204000,
  "investedCapitalTTM": 3919884000,
  "returnOnAssetsTTM": 0.1222150039378985,
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  "returnOnTangibleAssetsTTM": 0.12663281992325096,
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  "averageReceivablesTTM": 257526500,
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  "cashConversionCycleTTM": 1.6211225147211863,
  "freeCashFlowToEquityTTM": 3145479998,
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  "tangibleAssetValueTTM": 4932956000,
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  "grossProfitMarginTTM": 0.6814950207871443,
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  "bottomLineProfitMarginTTM": 0.4611436442093501,
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  "solvencyRatioTTM": 0.21667531507839263,
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  "priceToEarningsRatioTTM": 13.69352014010508,
  "priceToEarningsGrowthRatioTTM": 0.003947681481832096,
  "forwardPriceToEarningsGrowthRatioTTM": 0.22622539474947212,
  "priceToEarningsDilutedRatioTTM": 14.164855072463766,
  "priceToEarningsDilutedGrowthRatioTTM": 0.0034163843402973838,
  "priceToBookRatioTTM": 4.834356482018752,
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  "dividendPaidAndCapexCoverageRatioTTM": 5.166589747677746,
  "dividendPayoutRatioTTM": 0,
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    "symbol": "AFRM",
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    "Stock Price": 78.63
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    "balance_sheet": [
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        "longTermNetDebtIssuance": 2175974000,
        "shortTermNetDebtIssuance": 0,
        "netStockIssuance": 158930000,
        "netCommonStockIssuance": 158930000,
        "commonStockIssuance": 158930000,
        "commonStockRepurchased": 0,
        "netPreferredStockIssuance": 0,
        "netDividendsPaid": 0,
        "commonDividendsPaid": 0,
        "preferredDividendsPaid": 0,
        "otherFinancingActivities": -325216000,
        "netCashProvidedByFinancingActivities": 2009688000,
        "effectOfForexChangesOnCash": -10615000,
        "netChangeInCash": 676620000,
        "cashAtEndOfPeriod": 2433043000,
        "cashAtBeginningOfPeriod": 1756423000,
        "operatingCashFlow": 1230974000,
        "capitalExpenditure": -238346000,
        "freeCashFlow": 992628000,
        "incomeTaxesPaid": 0,
        "interestPaid": 0
      }
    ]
  }
}

Technical

Data:

{
  "price": 78.0258,
  "rsi": 59.42211181034979,
  "sma20": 72.67278999999995,
  "sma50": 73.96951599999998,
  "sma200": 66.83947899999997,
  "adx": 13.003689787604966,
  "atr": 3.04,
  "atr_pct": 3.9,
  "atr_expansion_pct": -8.9,
  "di_plus": 31.0,
  "di_minus": 14.7,
  "high_52w": 85.78,
  "low_52w": 42.53,
  "structure": {
    "ema8": 76.45864246087828,
    "ema21": 74.14025441416834,
    "ema50": 73.57745633320914,
    "ema200": 69.6955643007532,
    "ema10": 75.83139358165091,
    "ema20": 74.21233067777857,
    "ema10_slope_pct": 5.69,
    "ema20_slope_pct": 3.51,
    "trend_dir": "up",
    "checks": {
      "price_above_all": true,
      "ema_stacked": true,
      "ema21_rising": true,
      "ema50_rising": false,
      "adx_over_30": false,
      "higher_highs_lows": true,
      "lower_highs_lows": false,
      "near_21ema": true
    },
    "dist_21ema_pct": 5.2,
    "_no_bars": false,
    "macd": {
      "macd": 1.432,
      "signal": 0.347,
      "histogram": 1.085
    },
    "bollinger": {
      "mid": 72.67,
      "upper": 79.92,
      "lower": 65.43,
      "width_pct": 19.94
    },
    "crossover": {
      "fresh_cross": true,
      "pre_compressed": true,
      "held_above_21": true,
      "candles_since": 5,
      "intraday_support": false
    },
    "momentum": {
      "roc10": 12.6,
      "ret_3d": 1.14,
      "ret_5d": 4.2,
      "roc10_accel": 8.26,
      "checks": {
        "roc_over_5": true,
        "rsi_in_band": true,
        "macd_expanding": false,
        "top_quartile_3d": false,
        "no_big_down": true,
        "near_high": false
      },
      "volume": {
        "rvol": 0.2,
        "checks": {
          "rvol_over_2": false,
          "up_vol_beats_down": true,
          "obv_new_high": false,
          "surge_day": false,
          "pullback_declining_vol": true,
          "last_up_beats_down": true
        }
      }
    },
    "relative_strength": {
      "sector": "Financial Services",
      "sector_etf": "XLF",
      "sector_etf_ret10d": 1.59,
      "checks": {
        "beats_spy_all": true,
        "beats_sector_10d": true,
        "rs_line_at_high": false,
        "sector_top3": false
      }
    },
    "commodity": {},
    "universe": {
      "checks": {
        "price_over_20": true,
        "mcap_2b_to_200b": true,
        "dollar_vol_over_10m": true,
        "common_stock": true,
        "no_earnings_7d": true
      },
      "avg_dollar_vol": 336819890.24
    },
    "options": {
      "checks": {
        "call_vol_2x": false,
        "ivr_under_40": false,
        "iv_contracting": false,
        "oi_calls_above_price": true
      },
      "vals": {
        "call_vol_mult": 0.1,
        "iv_rank": 44.0
      }
    }
  }
}

Levels & Bars

Data:

{
  "prior_day": {
    "high": 79.43,
    "low": 77.52,
    "close": 77.92,
    "date": "2026-10-13"
  },
  "woodie_pivots": {
    "PP": 78.19,
    "R1": 78.87,
    "S1": 76.96,
    "R2": 80.11,
    "S2": 76.28
  },
  "swing": {
    "high_20d": 81.47,
    "low_20d": 66.63,
    "high_60d": 90.44,
    "low_60d": 66.03
  },
  "orb": {
    "high": 79.43,
    "low": 78.14,
    "date": "2026-10-13"
  },
  "vwap": 78.43,
  "volume_profile": {
    "poc": 71.59,
    "vah": 73.32,
    "val": 67.08,
    "sessions": 20
  },
  "intraday": {
    "h1_trend": "flat",
    "h1_last": 78.52,
    "h1_ema9": 78.86,
    "h1_ema21": 78.35,
    "m15_trend": "down",
    "m15_last": 78.03,
    "m15_ema9": 78.4,
    "m15_ema21": 78.71,
    "rvol_intraday": 0.76,
    "as_of_et": "2026-10-13 11:40"
  },
  "premarket": {
    "date": "2026-10-13",
    "high": 79.41,
    "low": 78.5,
    "last": 78.5,
    "volume": 5529,
    "gap_pct": -0.17,
    "path": "05:10 79.00 -> 06:10 79.32 -> 06:40 79.00 -> 07:05 78.87 -> 08:45 78.86 -> 09:25 78.50",
    "bars": 11,
    "last_bar_et": "09:25"
  },
  "recent_daily": [
    {
      "d": "2026-09-09",
      "o": 71.325,
      "h": 71.55,
      "l": 68.08,
      "c": 68.15,
      "v": 5453230.44072
    },
    {
      "d": "2026-09-10",
      "o": 66.86,
      "h": 69.03,
      "l": 66.03,
      "c": 67.99,
      "v": 3742919.766532
    },
    {
      "d": "2026-09-11",
      "o": 68.63,
      "h": 71.48,
      "l": 67.875,
      "c": 71.44,
      "v": 4532045.733036
    },
    {
      "d": "2026-09-14",
      "o": 72.23,
      "h": 74,
      "l": 71.71,
      "c": 73.38,
      "v": 4168577.786477
    },
    {
      "d": "2026-09-15",
      "o": 73.5,
      "h": 74.9,
      "l": 71.44,
      "c": 72.09,
      "v": 3493455.977287
    },
    {
      "d": "2026-09-16",
      "o": 72.47,
      "h": 73.275,
      "l": 70.2,
      "c": 71.58,
      "v": 3993379.581494
    },
    {
      "d": "2026-09-17",
      "o": 74.02,
      "h": 74.51,
      "l": 69.92,
      "c": 70.28,
      "v": 3606677.986985
    },
    {
      "d": "2026-09-18",
      "o": 70.67,
      "h": 71.31,
      "l": 69.61,
      "c": 71.21,
      "v": 3921135.371508
    },
    {
      "d": "2026-09-21",
      "o": 72.4,
      "h": 73.16,
      "l": 70.04,
      "c": 71.05,
      "v": 4017544.645599
    },
    {
      "d": "2026-09-22",
      "o": 73.275,
      "h": 73.37,
      "l": 70.75,
      "c": 71.77,
      "v": 5036846.872787
    },
    {
      "d": "2026-09-23",
      "o": 71.16,
      "h": 71.46,
      "l": 66.6252,
      "c": 68.09,
      "v": 6217630.392915
    },
    {
      "d": "2026-09-24",
      "o": 67.53,
      "h": 71.8,
      "l": 67.53,
      "c": 71.57,
      "v": 6096530.138447
    },
    {
      "d": "2026-09-25",
      "o": 72.11,
      "h": 72.34,
      "l": 70.19,
      "c": 71.52,
      "v": 2568523.634755
    },
    {
      "d": "2026-09-28",
      "o": 70.12,
      "h": 70.24,
      "l": 67.17,
      "c": 67.21,
      "v": 3687631.717335
    },
    {
      "d": "2026-09-29",
      "o": 68.91,
      "h": 70.31,
      "l": 67.83,
      "c": 69.3,
      "v": 3490456.79326
    },
    {
      "d": "2026-09-30",
      "o": 69.68,
      "h": 70.66,
      "l": 68.92,
      "c": 69.23,
      "v": 2811785.785804
    },
    {
      "d": "2026-10-01",
      "o": 69.38,
      "h": 70.48,
      "l": 67.15,
      "c": 70.43,
      "v": 4033556.404824
    },
    {
      "d": "2026-10-02",
      "o": 72,
      "h": 72.6,
      "l": 70.32,
      "c": 70.77,
      "v": 2519848.870105
    },
    {
      "d": "2026-10-05",
      "o": 70.48,
      "h": 74.93,
      "l": 70.25,
      "c": 74.75,
      "v": 4263750.959544
    },
    {
      "d": "2026-10-06",
      "o": 76.335,
      "h": 76.5,
      "l": 74.08,
      "c": 74.88,
      "v": 2803083.05586
    },
    {
      "d": "2026-10-07",
      "o": 73.93,
      "h": 75.605,
      "l": 73.31,
      "c": 75.31,
      "v": 3242114.313953
    },
    {
      "d": "2026-10-08",
      "o": 74.66,
      "h": 77.185,
      "l": 74.34,
      "c": 77.15,
      "v": 5231285.417774
    },
    {
      "d": "2026-10-09",
      "o": 78,
      "h": 81.09,
      "l": 77.06,
      "c": 80.7,
      "v": 5480216.872465
    },
    {
      "d": "2026-10-12",
      "o": 80.49,
      "h": 81.47,
      "l": 78.265,
      "c": 78.63,
      "v": 2913963.065746
    },
    {
      "d": "2026-10-13",
      "o": 78.14,
      "h": 79.43,
      "l": 77.52,
      "c": 77.915,
      "v": 785117.291701
    }
  ]
}

Sector Leadership

Data:

{
  "sector": "Financial Services",
  "etf": "XLF",
  "etf_trend": "mixed",
  "etf_r5d": 2.26,
  "etf_rvol": 0.26,
  "rs_5d": 2.94,
  "leading": false
}

Analyst Ratings

Data:

{
  "estimates": [
    {
      "symbol": "AFRM",
      "date": "2030-06-30",
      "revenueLow": 10628270958,
      "revenueHigh": 12156110479,
      "revenueAvg": 11354618873,
      "ebitdaLow": 2727635517,
      "ebitdaHigh": 3157118730,
      "ebitdaAvg": 2931816784,
      "ebitLow": 2251085340,
      "ebitHigh": 2680568553,
      "ebitAvg": 2455266607,
      "netIncomeLow": 1778357419,
      "netIncomeHigh": 2117649157,
      "netIncomeAvg": 1939660620,
      "sgaExpenseLow": 5537487563,
      "sgaExpenseHigh": 6333514723,
      "sgaExpenseAvg": 5915925652,
      "epsAvg": 5.56021,
      "epsHigh": 6.07043,
      "epsLow": 5.09782,
      "numAnalystsRevenue": 8,
      "numAnalystsEps": 10
    },
    {
      "symbol": "AFRM",
      "date": "2029-06-30",
      "revenueLow": 7597008337,
      "revenueHigh": 9618578454,
      "revenueAvg": 8513728197,
      "ebitdaLow": 1895749133,
      "ebitdaHigh": 2595544341,
      "ebitdaAvg": 2245646737,
      "ebitLow": 1497276307,
      "ebitHigh": 2197071515,
      "ebitAvg": 1847173911,
      "netIncomeLow": 1182848283,
      "netIncomeHigh": 1735686497,
      "netIncomeAvg": 1459267390,
      "sgaExpenseLow": 3958154562,
      "sgaExpenseHigh": 5011422721,
      "sgaExpenseAvg": 4435779271,
      "epsAvg": 3.97172,
      "epsHigh": 4.9755,
      "epsLow": 3.39074,
      "numAnalystsRevenue": 16,
      "numAnalystsEps": 13
    },
    {
      "symbol": "AFRM",
      "date": "2028-06-30",
      "revenueLow": 6643322367,
      "revenueHigh": 7099431067,
      "revenueAvg": 6841630498,
      "ebitdaLow": 1356923884,
      "ebitdaHigh": 1931544966,
      "ebitdaAvg": 1644234425,
      "ebitLow": 1006705188,
      "ebitHigh": 1581326270,
      "ebitAvg": 1294015729,
      "netIncomeLow": 795297099,
      "netIncomeHigh": 1249247754,
      "netIncomeAvg": 1022272426.5,
      "sgaExpenseLow": 3461269959,
      "sgaExpenseHigh": 3698909389,
      "sgaExpenseAvg": 3564591451,
      "epsAvg": 2.89513,
      "epsHigh": 3.58108,
      "epsLow": 2.27979,
      "numAnalystsRevenue": 21,
      "numAnalystsEps": 13
    },
    {
      "symbol": "AFRM",
      "date": "2027-06-30",
      "revenueLow": 5399865492,
      "revenueHigh": 5648936779,
      "revenueAvg": 5489531156,
      "ebitdaLow": 925923105,
      "ebitdaHigh": 1471740052,
      "ebitdaAvg": 1198831579,
      "ebitLow": 606979918,
      "ebitHigh": 1152796865,
      "ebitAvg": 879888392,
      "netIncomeLow": 479514136,
      "netIncomeHigh": 910709524,
      "netIncomeAvg": 695111830,
      "sgaExpenseLow": 2813410396,
      "sgaExpenseHigh": 2943180248,
      "sgaExpenseAvg": 2860127543,
      "epsAvg": 1.9926,
      "epsHigh": 2.61063,
      "epsLow": 1.37457,
      "numAnalystsRevenue": 24,
      "numAnalystsEps": 16
    }
  ],
  "price_target": {
    "symbol": "AFRM",
    "targetHigh": 115,
    "targetLow": 75,
    "targetConsensus": 95.79,
    "targetMedian": 97
  },
  "ratings": {
    "symbol": "AFRM",
    "rating": "B",
    "overallScore": 3,
    "discountedCashFlowScore": 1,
    "returnOnEquityScore": 5,
    "returnOnAssetsScore": 5,
    "debtToEquityScore": 2,
    "priceToEarningsScore": 3,
    "priceToBookScore": 1
  },
  "grades": [
    {
      "symbol": "AFRM",
      "date": "2026-10-06",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-10-01",
      "gradingCompany": "Freedom Capital Markets",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-09-16",
      "gradingCompany": "Citizens",
      "previousGrade": "Market Outperform",
      "newGrade": "Market Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-09-14",
      "gradingCompany": "Wolfe Research",
      "previousGrade": "Peer Perform",
      "newGrade": "Outperform",
      "action": "upgrade"
    },
    {
      "symbol": "AFRM",
      "date": "2026-09-03",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-31",
      "gradingCompany": "Cantor Fitzgerald",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-31",
      "gradingCompany": "Goldman Sachs",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-31",
      "gradingCompany": "Bernstein",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Oppenheimer",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "BMO Capital",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Cantor Fitzgerald",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "B of A Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "UBS",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Susquehanna",
      "previousGrade": "Positive",
      "newGrade": "Positive",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Piper Sandler",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "RBC Capital",
      "previousGrade": "Sector Perform",
      "newGrade": "Sector Perform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "JP Morgan",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-28",
      "gradingCompany": "Barclays",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-26",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-24",
      "gradingCompany": "Oppenheimer",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-08-12",
      "gradingCompany": "BMO Capital",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-24",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-22",
      "gradingCompany": "Cantor Fitzgerald",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-14",
      "gradingCompany": "Baird",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-09",
      "gradingCompany": "Goldman Sachs",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-08",
      "gradingCompany": "Wells Fargo",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-08",
      "gradingCompany": "JP Morgan",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-07",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-07-01",
      "gradingCompany": "Citigroup",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-06-25",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Overweight",
      "newGrade": "Equal Weight",
      "action": "downgrade"
    },
    {
      "symbol": "AFRM",
      "date": "2026-06-25",
      "gradingCompany": "Deutsche Bank",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-06-25",
      "gradingCompany": "Susquehanna",
      "previousGrade": "Positive",
      "newGrade": "Positive",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-28",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-14",
      "gradingCompany": "Mizuho",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-13",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-11",
      "gradingCompany": "B of A Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-08",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-08",
      "gradingCompany": "Stephens & Co.",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-08",
      "gradingCompany": "RBC Capital",
      "previousGrade": "Sector Perform",
      "newGrade": "Sector Perform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-05-08",
      "gradingCompany": "JP Morgan",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-04-24",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-04-21",
      "gradingCompany": "Cantor Fitzgerald",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-04-21",
      "gradingCompany": "Evercore ISI Group",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-04-17",
      "gradingCompany": "Citizens",
      "previousGrade": "Market Outperform",
      "newGrade": "Market Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-20",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-09",
      "gradingCompany": "Mizuho",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-09",
      "gradingCompany": "Cantor Fitzgerald",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-06",
      "gradingCompany": "Stephens & Co.",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-06",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-06",
      "gradingCompany": "JP Morgan",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-06",
      "gradingCompany": "RBC Capital",
      "previousGrade": "Sector Perform",
      "newGrade": "Sector Perform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-06",
      "gradingCompany": "Oppenheimer",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2026-02-03",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Equal Weight",
      "newGrade": "Overweight",
      "action": "upgrade"
    },
    {
      "symbol": "AFRM",
      "date": "2026-01-27",
      "gradingCompany": "Needham",
      "previousGrade": "Hold",
      "newGrade": "Buy",
      "action": "upgrade"
    },
    {
      "symbol": "AFRM",
      "date": "2026-01-08",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2025-11-19",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2025-11-07",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2025-11-07",
      "gradingCompany": "B of A Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2025-11-07",
      "gradingCompany": "RBC Capital",
      "previousGrade": "Sector Perform",
      "newGrade": "Sector Perform",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2025-10-24",
      "gradingCompany": "Truist Securities",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "AFRM",
      "date": "2025-10-13",
      "gradingCompany": "Goldman Sachs",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    }
  ]
}

News

Data:

[
  {
    "title": "Goldman Sachs Maintains Buy on Affirm Holdings, Lowers Price Target to $103",
    "url": "https://www.benzinga.com/news/26/10/62318741/goldman-sachs-maintains-buy-affirm-holdings-lowers-price-target-103",
    "source": "benzinga",
    "date": "2026-10-13T11:22:47.206000+00:00",
    "summary": "Goldman Sachs  analyst Will Nance   maintains Affirm Holdings (NASDAQ:AFRM) with a Buy and lowers the price target from $115 to $103.",
    "image": ""
  },
  {
    "title": "Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now",
    "url": "https://www.zacks.com/stock/news/3005801/why-investors-need-to-take-advantage-of-these-2-computer-and-technology-stocks-now?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|zacks_education_earnings_esp-3005801",
    "source": "Zacks Investment Research",
    "date": "2026-10-13 09:56:11",
    "summary": "Investors looking for ways to find stocks that are set to beat quarterly earnings estimates should check out the Zacks Earnings ESP.",
    "image": "https://images.financialmodelingprep.com/news/why-investors-need-to-take-advantage-of-these-2-20261013.jpg"
  },
  {
    "title": "Fed's 2025 Household Survey Shows Debt Strain Building Beneath Consumer Lenders",
    "url": "https://www.investing.com/analysis/feds-2025-household-survey-shows-debt-strain-building-beneath-consumer-lenders-200689433",
    "source": "Investing.com",
    "date": "2026-10-12T17:55:33Z",
    "summary": "* The share of families with debt payments above 40% of income rose to 8.6% from 6.5% in 2022, a level last seen in the 2013 survey.\n\n* Household debt balances were broadly unchanged from 2022, while late payments increased significantly alongside higher market interest rates.\n\n*",
    "image": "https://i-invdn-com.investing.com/redesign/images/seo/investingcom_analysis_og.jpg"
  },
  {
    "title": "Will Affirm Holdings (AFRM) Beat Estimates Again in Its Next Earnings Report?",
    "url": "https://www.zacks.com/stock/news/3005306/will-affirm-holdings-afrm-beat-estimates-again-in-its-next-earnings-report?cid=CS-ZC-FT-fundamental_analysis|yseop_template_7-3005306",
    "source": "Zacks Investment Research",
    "date": "2026-10-12T15:10:02Z",
    "summary": "Affirm Holdings (AFRM) has demonstrated a strong earnings-beat streak, surpassing estimates by an average of 688.24% over the last two quarters. With a positive Earnings ESP of +11.03% and a Zacks Rank #3 (Hold), the company is positioned to potentially beat consensus estimates a",
    "image": "https://staticx-tuner.zacks.com/images/default_article_images/default207.jpg"
  },
  {
    "title": "How to Find Strong Computer and Technology Stocks Slated for Positive Earnings Surprises",
    "url": "https://www.zacks.com/stock/news/3004787/how-to-find-strong-computer-and-technology-stocks-slated-for-positive-earnings-surprises?cid=CS-ZC-FT-fundamental_analysis|zacks_education_earnings_esp-3004787",
    "source": "Zacks Investment Research",
    "date": "2026-10-12T11:55:03Z",
    "summary": "The article explains how to use the Zacks Earnings ESP (Expected Surprise Prediction) filter to identify stocks likely to beat earnings expectations. The ESP model compares the Most Accurate Estimate to the Zacks Consensus Estimate, and when combined with a Zacks Rank #3 or stron",
    "image": "https://staticx-tuner.zacks.com/images/default_article_images/default50.jpg"
  },
  {
    "title": "Top Research Reports for JPMorgan, ASML & Chevron",
    "url": "https://finance.yahoo.com/markets/stocks/articles/top-research-reports-jpmorgan-asml-193900393.html",
    "source": "Yahoo! Finance",
    "date": "2026-10-09T19:39:00Z",
    "summary": "The Zacks Research Daily presents the best research output of our analyst team. Today's Research Daily features new research reports on 16 major stocks, including JPMorgan Chase & Co. (JPM), ASML Holding N.V. (ASML) and Chevron Corp. (CVX), as well as two micro-cap stocks Blue Do",
    "image": "https://s.yimg.com/lo/mysterio/api/6fa3d40dbcbaa1dba64657e324d41b2fe2612c84c3341bc1df629b2adcf579a1/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fzacks.com%2F0998df790563eac0145b7eaee223ae57.jpg"
  },
  {
    "title": "Affirm Holdings (AFRM) Ascends While Market Falls: Some Facts to Note",
    "url": "https://www.zacks.com/stock/news/3003275/affirm-holdings-afrm-ascends-while-market-falls-some-facts-to-note?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|yseop_template_6v2-3003275",
    "source": "Zacks Investment Research",
    "date": "2026-10-08 19:01:16",
    "summary": "Affirm Holdings (AFRM) closed the most recent trading day at $76.28, moving +1.29% from the previous trading session.",
    "image": "https://images.financialmodelingprep.com/news/affirm-holdings-afrm-ascends-while-market-falls-some-facts-20261008.jpg"
  },
  {
    "title": "Affirm partners with Ant International's Antom to bring pay-over-time to US customers",
    "url": "https://www.businesswire.com/news/home/20261006162957/en/Affirm-partners-with-Ant-Internationals-Antom-to-bring-pay-over-time-to-US-customers/",
    "source": "Business Wire",
    "date": "2026-10-06 09:00:00",
    "summary": "SAN FRANCISCO--(BUSINESS WIRE)--Antom, Ant International's global merchant payment and digitisation platform, is bringing Affirm (NASDAQ: AFRM) to its merchants in the US, giving them a simple way to offer U.S. customers a pay-over-time option those customers already know and tru",
    "image": "https://images.financialmodelingprep.com/news/affirm-partners-with-ant-internationals-antom-to-bring-payovertime-20261006.jpg"
  },
  {
    "title": "Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock",
    "url": "https://www.zacks.com/stock/news/2999978/here-is-what-to-know-beyond-why-affirm-holdings-inc-afrm-is-a-trending-stock?cid=CS-ZC-FT-fundamental_analysis|most_searched_stocks_v1-2999978",
    "source": "Zacks Investment Research",
    "date": "2026-10-05T12:00:08Z",
    "summary": "Affirm Holdings (AFRM) has been trending on Zacks.com. The stock returned -2.2% over the past month, underperforming the S&P 500's +0.6% gain. While the company showed strong recent earnings with a 1300% EPS surprise and 33% revenue growth, its consensus earnings estimate for the",
    "image": "https://staticx-tuner.zacks.com/images/default_article_images/default247.jpg"
  },
  {
    "title": "Affirm to announce first quarter fiscal year 2027 results on November 5, 2026",
    "url": "https://www.businesswire.com/news/home/20261005524513/en/Affirm-to-announce-first-quarter-fiscal-year-2027-results-on-November-5-2026/",
    "source": "Business Wire",
    "date": "2026-10-05 16:07:00",
    "summary": "SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM) today announced it will publish its first quarter fiscal year 2027 shareholder letter, including its financial results, on its investor relations website at https://investors.affirm.com/ on Thursday, November 5,",
    "image": "https://images.financialmodelingprep.com/news/affirm-to-announce-first-quarter-fiscal-year-2027-results-20261005.jpg"
  },
  {
    "title": "Affirm Climbs 5% as Buy Now Pay Later Group Rallies Together; Klarna Rises 5%, PayPal Ticks Up",
    "url": "https://247wallst.com/investing/2026/10/05/affirm-climbs-5-as-buy-now-pay-later-group-rallies-together-klarna-rises-5-paypal-ticks-up/",
    "source": "24/7 Wall Street",
    "date": "2026-10-05 12:54:09",
    "summary": "Buy now pay later lenders are rallying as a group, and Affirm Holdings (NASDAQ:AFRM | AFRM Price Prediction) leads a cohort climbing in step while the wider financials sector barely moves. Affirm stock is changing hands at $74.",
    "image": "https://images.financialmodelingprep.com/news/affirm-climbs-5-as-buy-now-pay-later-group-20261005.jpg"
  },
  {
    "title": "Is It Worth Investing in Affirm Holdings (AFRM) Based on Wall Street's Bullish Views?",
    "url": "https://www.zacks.com/stock/news/3000044/is-it-worth-investing-in-affirm-holdings-afrm-based-on-wall-street-s-bullish-views?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|average_broker_rating-3000044",
    "source": "Zacks Investment Research",
    "date": "2026-10-05 10:31:10",
    "summary": "When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?",
    "image": "https://images.financialmodelingprep.com/news/is-it-worth-investing-in-affirm-holdings-afrm-based-20261005.jpg"
  },
  {
    "title": "Affirm lands MAJOR Crate & Barrel deal",
    "url": "https://www.youtube.com/watch?v=WKbmLM2hMdc",
    "source": "Fox Business",
    "date": "2026-10-03 16:00:38",
    "summary": "Affirm co-founder and CEO Max Levchin joins \u2018The Claman Countdown' to discuss the buy now, pay later company's new partnership with Crate & Barrel. #fox #media #breakingnews #us #usa #new #news #breaking #foxbusiness #theclamancountdown #affirm #maxlevchin #levchin #maxlevchin #c",
    "image": "https://images.financialmodelingprep.com/news/affirm-lands-major-crate-barrel-deal-20261003.jpg"
  },
  {
    "title": "1 Growth Stock Set to Flourish and 2 We Brush Off",
    "url": "https://finance.yahoo.com/markets/stocks/articles/1-growth-stock-set-flourish-131003384.html",
    "source": "Yahoo! Finance",
    "date": "2026-10-02T13:10:03Z",
    "summary": "Growth is oxygen. But when it evaporates, the consequences can be severe - ask anyone who bought Cisco in the Dot-Com Bubble or newer investors who lived through the 2020 to 2022 COVID cycle.\n\nDeciphering which businesses can sustain their high growth rates is a challenge for eve",
    "image": "https://s.yimg.com/lo/mysterio/api/68a7997bc4a7a9aad022afde1f184bee725d0032f0ff0a4472a1e5a0390d56ce/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fstockstory_922%2Fc03999254e09f5a92572d191fe4d6d2a.jpg"
  },
  {
    "title": "Affirm Holdings (AFRM) Outperforms Broader Market: What You Need to Know",
    "url": "https://www.zacks.com/stock/news/2999220/affirm-holdings-afrm-outperforms-broader-market-what-you-need-to-know?cid=CS-ZC-FT-fundamental_analysis|yseop_template_6v1-2999220",
    "source": "Zacks Investment Research",
    "date": "2026-10-01T20:50:02Z",
    "summary": "Affirm Holdings closed at $70.44, up 1.75%, outperforming the S&P 500's 0.2% gain. The company is expected to report EPS of $0.34 (up 47.83% YoY) and revenue of $1.21 billion (up 29.95% YoY). However, full-year earnings are projected to decline 66.18% to $1.87 per share. AFRM tra",
    "image": "https://staticx-tuner.zacks.com/images/default_article_images/default68.jpg"
  },
  {
    "title": "How Is Affirm Card Reshaping AFRM's Direct-to-Consumer Growth?",
    "url": "https://www.zacks.com/stock/news/2998892/how-is-affirm-card-reshaping-afrm-s-direct-to-consumer-growth?cid=CS-ZC-FT-analyst_blog|quick_take-2998892",
    "source": "Zacks Investment Research",
    "date": "2026-10-01T12:49:00Z",
    "summary": "Affirm Holdings' direct-to-consumer business is accelerating with Affirm Card GMV more than doubling to $2.84 billion and active Card consumers rising 125% to 5.2 million. Card transactions now represent 15% of total transactions, up from 10% year-over-year, indicating deeper pla",
    "image": "https://staticx-tuner.zacks.com/images/articles/main/c1/192.jpg"
  },
  {
    "title": "Can Affirm's Crate & Barrel Deal Expand Its Home-Furnishing Reach?",
    "url": "https://www.zacks.com/stock/news/2998210/can-affirm-s-crate-barrel-deal-expand-its-home-furnishing-reach?cid=CS-ZC-FT-analyst_blog|quick_take-2998210",
    "source": "Zacks Investment Research",
    "date": "2026-09-30T13:19:00Z",
    "summary": "Affirm Holdings has partnered with Crate & Barrel Holdings to offer installment financing across Crate & Barrel, Crate & Barrel Kids, and CB2 brands in the US and Canada. The partnership spans over 100 stores and websites, potentially increasing Affirm's GMV and revenues through ",
    "image": "https://staticx-tuner.zacks.com/images/articles/main/e1/205.jpg"
  },
  {
    "title": "Sezzle's On-Demand Push: Can It Win More Enterprise Merchants?",
    "url": "https://www.zacks.com/stock/news/2998184/sezzle-s-on-demand-push-can-it-win-more-enterprise-merchants?cid=CS-ZC-FT-analyst_blog|quick_take-2998184",
    "source": "Zacks Investment Research",
    "date": "2026-09-30T13:00:00Z",
    "summary": "Sezzle Inc. is leveraging its On-Demand buy now pay later product to compete for enterprise merchants with competitive pricing while building a pathway to subscription conversions. The company reported strong Q2 metrics including 32.4% transaction growth, 97.2% repeat usage, and ",
    "image": "https://staticx-tuner.zacks.com/images/articles/main/b8/1860.jpg"
  },
  {
    "title": "Which Buy Now Pay Later Stock Dominated in September: Klarna, Affirm, or Sezzle?",
    "url": "https://247wallst.com/investing/2026/09/30/which-buy-now-pay-later-stock-dominated-in-september-klarna-affirm-or-sezzle/",
    "source": "24/7 Wall Street",
    "date": "2026-09-30 15:16:13",
    "summary": "Affirm Holdings (NASDAQ:AFRM | AFRM Price Prediction) stock was September's relative winner among the three buy now, pay later names, even after falling 10.5% to $69.61. Klarna Group (NYSE:KLAR) stock declined 12.5% to $12.42, while Sezzle (NASDAQ:SEZL) stock fell 13.",
    "image": "https://images.financialmodelingprep.com/news/which-buy-now-pay-later-stock-dominated-in-september-20260930.jpg"
  },
  {
    "title": "SoFi Technologies Bombed by More Than 40% in 1 Year: A Wall Street Pro Just Reiterated His Belief That Shares Will Double in 12 Months",
    "url": "https://finance.yahoo.com/markets/stocks/articles/sofi-technologies-bombed-more-40-124915212.html",
    "source": "Yahoo! Finance",
    "date": "2026-09-29T12:49:15Z",
    "summary": "* SoFi (SOFI) has crashed 43% in a year despite membership hitting 15.8 million, up 35%, while trading just above its 52-week low of $15.\n\n* Citigroup's Peter Christiansen reiterated a Buy with a $30 target on deposit growth and cross-selling momentum, implying 88% upside that is",
    "image": "https://s.yimg.com/lo/mysterio/api/37fdef5a2ccddbb201838430e0bfa239222b75ab20769ee9eb74b5cc09dffd53/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2F24_7_wall_st__718%2Ff67dff464ed6620e827cf87cece025bf"
  },
  {
    "title": "Crate & Barrel Holdings partners with Affirm to offer flexible ways to pay",
    "url": "https://www.businesswire.com/news/home/20260929983084/en/Crate-Barrel-Holdings-partners-with-Affirm-to-offer-flexible-ways-to-pay/",
    "source": "Business Wire",
    "date": "2026-09-29 09:00:00",
    "summary": "CHICAGO & SAN FRANCISCO & TORONTO--(BUSINESS WIRE)--Today Crate & Barrel Holdings, Inc., comprising Crate & Barrel, Crate & Barrel Kids and CB2, announced a strategic partnership with Affirm (NASDAQ: AFRM). Eligible customers now have the option to pay over time, which can give t",
    "image": "https://images.financialmodelingprep.com/news/crate-barrel-holdings-partners-with-affirm-to-offer-flexible-20260929.jpg"
  },
  {
    "title": "Here's Why Affirm Holdings (AFRM) Fell More Than Broader Market",
    "url": "https://www.zacks.com/stock/news/2997088/here-s-why-affirm-holdings-afrm-fell-more-than-broader-market?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|yseop_template_6v2-2997088",
    "source": "Zacks Investment Research",
    "date": "2026-09-28 19:01:04",
    "summary": "The latest trading day saw Affirm Holdings (AFRM) settling at $67.21, representing a -6.03% change from its previous close.",
    "image": "https://images.financialmodelingprep.com/news/heres-why-affirm-holdings-afrm-fell-more-than-broader-20260928.jpg"
  },
  {
    "title": "Barron's 400 ETF (BFOR) Adds Energy and Materials, Reduces Utilities and Consumer Discretionary in Fall Rebalance",
    "url": "https://finance.yahoo.com/markets/stocks/articles/barrons-400-etf-bfor-adds-134500664.html",
    "source": "Yahoo! Finance",
    "date": "2026-09-24T13:45:00Z",
    "summary": "DENVER, September 24, 2026--(BUSINESS WIRE)--The Barron's 400 ETF (NYSE Arca: BFOR, the \"Fund\"), a smart beta exchange-traded fund, has completed its semi-annual rebalance following the reconstitution and equal weighting of its underlying benchmark, the Barron's 400 Index (B400, ",
    "image": "https://s.yimg.com/lo/mysterio/api/4865102d3a2044f65baf5a153f14fa9f2c0caef28ae67821cdcf0663c9ac7527/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fbusiness-wire.com%2F1fbe2cf4b3442dbc933d18d35966394a.jpg"
  },
  {
    "title": "Consumer Lending Stocks Slide While Financials Barely Budge: Upstart and Affirm Drop 4%, SoFi Eases",
    "url": "https://finance.yahoo.com/markets/stocks/articles/consumer-lending-stocks-slide-while-165114266.html",
    "source": "Yahoo! Finance",
    "date": "2026-09-23T16:51:14Z",
    "summary": "* Upstart Holdings and Affirm each dropped 4% Wednesday while SoFi slid 2%, with no company-specific news driving any of the three names.\n\n* XLF barely moved while SPY fell less than 1%, isolating the selloff as a consumer credit repricing rather than a broad financial sector sto",
    "image": "https://s.yimg.com/lo/mysterio/api/254e67b50124d5ecac81874f4539249a305332d1a36f82091bff0633e5080348/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2F24_7_wall_st__718%2F93b661885c1df126249ae8566feec129.jpg"
  },
  {
    "title": "Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.",
    "url": "https://finance.yahoo.com/markets/stocks/articles/upstart-affirm-sofi-lend-same-143200816.html",
    "source": "Yahoo! Finance",
    "date": "2026-09-19T14:32:00Z",
    "summary": "One of the challenges for nontraditional fintech lenders has been the expense associated with lending.\n\nBecause most of them do not have bank charters, they must partner with a traditional third-party bank to fund their loans. However, they must pay a fee or provide a cut of inte",
    "image": "https://s.yimg.com/lo/mysterio/api/2812daaf104b95e03354ae0894643bdd5b8493c132d3a047edf995ee65ab3914/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fmotleyfool.com%2F10fba81f6e1fe4222140f451ed1cda91.jpg"
  }
]

Calendar / Earnings

Data:

[
  {
    "symbol": "AFRM",
    "date": "2026-11-05",
    "epsActual": null,
    "epsEstimated": 0.3785,
    "revenueActual": null,
    "revenueEstimated": 1211090000,
    "lastUpdated": "2026-10-13"
  },
  {
    "symbol": "AFRM",
    "date": "2026-08-27",
    "epsActual": 4.62,
    "epsEstimated": 0.3473,
    "revenueActual": 1165960000,
    "revenueEstimated": 1107052000,
    "lastUpdated": "2026-10-13"
  },
  {
    "symbol": "AFRM",
    "date": "2026-05-07",
    "epsActual": 0.3,
    "epsEstimated": 0.1704,
    "revenueActual": 1038765000,
    "revenueEstimated": 995267100,
    "lastUpdated": "2026-08-07"
  },
  {
    "symbol": "AFRM",
    "date": "2026-02-05",
    "epsActual": 0.37,
    "epsEstimated": 0.28,
    "revenueActual": 1123000000,
    "revenueEstimated": 1055768000,
    "lastUpdated": "2026-05-05"
  },
  {
    "symbol": "AFRM",
    "date": "2025-11-06",
    "epsActual": 0.23,
    "epsEstimated": 0.1121,
    "revenueActual": 933337000,
    "revenueEstimated": 883162221,
    "lastUpdated": "2026-02-06"
  }
]

Short & Liquidity

Data:

{
  "borrow": [],
  "short_interest": [
    {
      "symbol": "AFRM",
      "file_date": "",
      "error": "Symbol not found in FINRA biweekly file",
      "days_to_cover": null
    }
  ],
  "ftd": {
    "symbol": "AFRM",
    "periods": [
      {
        "file_period": "202606b",
        "settlement_date": "20260629",
        "quantity_fails": 80078,
        "price": 79.49
      },
      {
        "file_period": "202607a",
        "settlement_date": "20260713",
        "quantity_fails": 500,
        "price": 83.42
      },
      {
        "file_period": "202607b",
        "settlement_date": "20260731",
        "quantity_fails": 11230,
        "price": 73.25
      },
      {
        "file_period": "202608a",
        "settlement_date": "20260814",
        "quantity_fails": 2377,
        "price": 78.32
      },
      {
        "file_period": "202608b",
        "settlement_date": "20260826",
        "quantity_fails": 10838,
        "price": 77.95
      },
      {
        "file_period": "202609a",
        "settlement_date": "20260908",
        "quantity_fails": 486,
        "price": 72.35
      }
    ],
    "trend": "falling",
    "trend_description": "FTD quantity declining \u2014 shorts covering or delivery improving"
  }
}

Whales & Insiders

Data:

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      "transactionDate": "2026-09-16",
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      "companyCik": "0001820953",
      "transactionType": "A-Award",
      "securitiesOwned": 30152,
      "reportingName": "Adkins Katherine",
      "typeOfOwner": "officer: Chief Legal Officer",
      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 30152,
      "price": 0,
      "securityName": "Restricted Stock Units",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026062780/0001628280-26-062780-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-18",
      "transactionDate": "2026-09-16",
      "reportingCik": "0001832810",
      "companyCik": "0001820953",
      "transactionType": "A-Award",
      "securitiesOwned": 67006,
      "reportingName": "Michalek Libor",
      "typeOfOwner": "director, officer: President",
      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 67006,
      "price": 0,
      "securityName": "Restricted Stock Units",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026062779/0001628280-26-062779-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-18",
      "transactionDate": "2026-09-16",
      "reportingCik": "0001715913",
      "companyCik": "0001820953",
      "transactionType": "A-Award",
      "securitiesOwned": 67006,
      "reportingName": "Linford Michael",
      "typeOfOwner": "officer: President",
      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 67006,
      "price": 0,
      "securityName": "Restricted Stock Units",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026062778/0001628280-26-062778-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-18",
      "transactionDate": "2026-09-16",
      "reportingCik": "0001633877",
      "companyCik": "0001820953",
      "transactionType": "A-Award",
      "securitiesOwned": 46904,
      "reportingName": "O'Hare Robert",
      "typeOfOwner": "officer: Chief Financial Officer",
      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 46904,
      "price": 0,
      "securityName": "Restricted Stock Units",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026062777/0001628280-26-062777-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-16",
      "transactionDate": "2026-09-14",
      "reportingCik": "0001832806",
      "companyCik": "0001820953",
      "transactionType": "S-Sale",
      "securitiesOwned": 188711,
      "reportingName": "Jiyane Siphelele",
      "typeOfOwner": "officer: Chief Accounting Officer",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 26980,
      "price": 72.19,
      "securityName": "Class A Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026062240/0001628280-26-062240-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-09",
      "transactionDate": "2026-09-04",
      "reportingCik": "0001832806",
      "companyCik": "0001820953",
      "transactionType": "S-Sale",
      "securitiesOwned": 215691,
      "reportingName": "Jiyane Siphelele",
      "typeOfOwner": "officer: Chief Accounting Officer",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 25000,
      "price": 72.41,
      "securityName": "Class A Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026061117/0001628280-26-061117-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-03",
      "transactionDate": "2026-09-01",
      "reportingCik": "0001870331",
      "companyCik": "0001820953",
      "transactionType": "M-Exempt",
      "securitiesOwned": 194103,
      "reportingName": "Adkins Katherine",
      "typeOfOwner": "officer: Chief Legal Officer",
      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 41664,
      "price": 22.3,
      "securityName": "Class A Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026060528/0001628280-26-060528-index.htm"
    },
    {
      "symbol": "AFRM",
      "filingDate": "2026-09-03",
      "transactionDate": "2026-09-03",
      "reportingCik": "0001870331",
      "companyCik": "0001820953",
      "transactionType": "M-Exempt",
      "securitiesOwned": 194103,
      "reportingName": "Adkins Katherine",
      "typeOfOwner": "officer: Chief Legal Officer",
      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 37260,
      "price": 23.35,
      "securityName": "Class A Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026060528/0001628280-26-060528-index.htm"
    }
  ],
  "congress": [
    "status",
    "endpoint",
    "provided",
    "message",
    {
      "symbol": "AFRM",
      "senateID": "G000599",
      "disclosureDate": "2023-05-19",
      "transactionDate": "2023-04-10",
      "firstName": "Daniel",
      "lastName": "Goldman",
      "office": "Daniel Goldman",
      "district": "NY10",
      "owner": "",
      "assetDescription": "Affirm Holdings Inc",
      "assetType": "Stock",
      "type": "Purchase",
      "amount": "$1,001 - $15,000",
      "capitalGainsOver200USD": "False",
      "comment": "",
      "link": "https://disclosures-clerk.house.gov/public_disc/ptr-pdfs/2023/20022948.pdf"
    },
    {
      "symbol": "AFRM",
      "senateID": "S001201",
      "disclosureDate": "2022-05-20",
      "transactionDate": "2022-03-04",
      "firstName": "Thomas",
      "lastName": "Suozzi",
      "office": "Thomas Suozzi",
      "district": "NY03",
      "owner": "",
      "assetDescription": "Affirm Holdings, Inc. - Class A",
      "assetType": "Stock",
      "type": "Sale (Full)",
      "amount": "$1,001 - $15,000",
      "capitalGainsOver200USD": "False",
      "comment": "",
      "link": "https://disclosures-clerk.house.gov/public_disc/ptr-pdfs/2022/20020732.pdf"
    },
    {
      "symbol": "AFRM",
      "senateID": "G000583",
      "disclosureDate": "2022-03-18",
      "transactionDate": "2022-02-11",
      "firstName": "Josh",
      "lastName": "Gottheimer",
      "office": "Josh Gottheimer",
      "district": "NJ05",
      "owner": "Joint",
      "assetDescription": "Affirm Holdings, Inc. - Class A",
      "assetType": "Stock",
      "type": "Sale (Full)",
      "amount": "$1,001 - $15,000",
      "capitalGainsOver200USD": "False",
      "comment": "",
      "link": "https://disclosures-clerk.house.gov/public_disc/ptr-pdfs/2022/20020573.pdf"
    },
    {
      "symbol": "AFRM",
      "senateID": "G000583",
      "disclosureDate": "2022-01-10",
      "transactionDate": "2021-12-28",
      "firstName": "Josh",
      "lastName": "Gottheimer",
      "office": "Josh Gottheimer",
      "district": "NJ05",
      "owner": "Joint",
      "assetDescription": "Affirm Holdings, Inc. - Class A",
      "assetType": "Stock",
      "type": "Sale (Partial)",
      "amount": "$1,001 - $15,000",
      "capitalGainsOver200USD": "False",
      "comment": "",
      "link": "https://disclosures-clerk.house.gov/public_disc/ptr-pdfs/2022/20020154.pdf"
    },
    {
      "symbol": "AFRM",
      "senateID": "G000583",
      "disclosureDate": "2021-11-15",
      "transactionDate": "2021-10-12",
      "firstName": "Josh",
      "lastName": "Gottheimer",
      "office": "Josh Gottheimer",
      "district": "NJ05",
      "owner": "Joint",
      "assetDescription": "Affirm Holdings Inc - Class A",
      "assetType": "Stock",
      "type": "Purchase",
      "amount": "$1,001 - $15,000",
      "capitalGainsOver200USD": "False",
      "comment": "",
      "link": "https://disclosures-clerk.house.gov/public_disc/ptr-pdfs/2021/20019761.pdf"
    },
    {
      "symbol": "AFRM",
      "senateID": "S001201",
      "disclosureDate": "2021-11-05",
      "transactionDate": "2021-10-13",
      "firstName": "Thomas",
      "lastName": "Suozzi",
      "office": "Thomas Suozzi",
      "district": "NY03",
      "owner": "",
      "assetDescription": "Affirm Holdings, Inc. - Class A",
      "assetType": "Stock",
      "type": "Purchase",
      "amount": "$15,001 - $50,000",
      "capitalGainsOver200USD": "False",
      "comment": "",
      "link": "https://disclosures-clerk.house.gov/public_disc/ptr-pdfs/2021/20019748.pdf"
    }
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  "dark_pool": [
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      "executed_at": "2026-10-13T14:44:24.458000Z",
      "size": 1265.0,
      "price": 78.0701,
      "premium": 98758.6765,
      "volume": 1265.0,
      "trade_code": " "
    },
    {
      "ticker": "AFRM",
      "executed_at": "2026-10-13T14:42:36.817000Z",
      "size": 500.0,
      "price": 78.08,
      "premium": 39040.0,
      "volume": 500.0,
      "trade_code": " "
    },
    {
      "ticker": "AFRM",
      "executed_at": "2026-10-13T14:45:57.591000Z",
      "size": 300.0,
      "price": 78.17,
      "premium": 23451.0,
      "volume": 300.0,
      "trade_code": " "
    },
    {
      "ticker": "AFRM",
      "executed_at": "2026-10-13T14:45:18.030000Z",
      "size": 294.0,
      "price": 78.155,
      "premium": 22977.57,
      "volume": 294.0,
      "trade_code": " "
    },
    {
      "ticker": "AFRM",
      "executed_at": "2026-10-13T14:42:41.629000Z",
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      "price": 78.05,
      "premium": 20917.399999999998,
      "volume": 268.0,
      "trade_code": " "
    },
    {
      "ticker": "AFRM",
      "executed_at": "2026-10-13T14:46:31.812000Z",
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      "price": 78.17,
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      "volume": 240.0,
      "trade_code": " "
    },
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      "ticker": "AFRM",
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      "price": 78.17,
      "premium": 18760.8,
      "volume": 240.0,
      "trade_code": " "
    },
    {
      "ticker": "AFRM",
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      "premium": 18760.8,
      "volume": 240.0,
      "trade_code": " "
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  ],
  "ats": {
    "symbol": "AFRM",
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    "ats_volume": 0,
    "total_volume": 1193341,
    "ats_ratio": 0.0,
    "ats_pct": 0.0,
    "signal": "Low",
    "history": [
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      },
      {
        "date": "20261009",
        "ats_ratio": 0.0
      },
      {
        "date": "20261008",
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      },
      {
        "date": "20261007",
        "ats_ratio": 0.0
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  },
  "polygon_dp": {
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    "days": [
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        "vwap": 78.43,
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        "vwap_discount_pct": 0.66
      },
      {
        "date": "2026-10-12",
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        "vwap": 79.24,
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        "vwap": 80.15,
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        "volume": 3242114,
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    "avg_vwap_discount_pct": -0.1,
    "signal": "Neutral"
  },
  "options_flow": [
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      "underlying_symbol": "AFRM",
      "size": 50,
      "sector": "Technology",
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      "implied_volatility": "0.605525626077535",
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      "executed_at": "2026-10-13T14:34:56.476000Z"
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  "net_premium": {
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    "net_call_premium": "27613.00",
    "net_put_premium": "7677.00",
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    "bullish_premium": "181655.00",
    "bearish_premium": "161719.00",
    "put_call_ratio": "0.5380549682875264270613107822",
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    "gex_call_delta": "5307988.3698",
    "gex_put_delta": "-1937281.5287",
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      "implied_volatility": "0.504213176771373",
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      "avg_price": "1.1536633663366336633663366337",
      "bid_volume": 1,
      "nbbo_ask": "1.21",
      "strike": "83",
      "option_symbol": "AFRM261023C00083000",
      "total_premium": "11652.00",
      "iv": 0.502079230438281,
      "volume": 101,
      "nbbo_bid": "0.98"
    },
    {
      "underlying_symbol": "AFRM",
      "expires": "2026-10-16",
      "open_interest": 1690,
      "option_type": "call",
      "delta": 0.584326977575177,
      "ask_volume": 72,
      "last_price": "2.20",
      "implied_volatility": "0.606350378351674",
      "gamma": 0.0969070400384081,
      "avg_price": "2.6000000000000000000000000000",
      "bid_volume": 5,
      "nbbo_ask": "2.68",
      "strike": "77.5",
      "option_symbol": "AFRM261016C00077500",
      "total_premium": "21320.00",
      "iv": 0.547752649363359,
      "volume": 82,
      "nbbo_bid": "2.10"
    },
    {
      "underlying_symbol": "AFRM",
      "expires": "2026-10-23",
      "open_interest": 92,
      "option_type": "call",
      "delta": 0.475742344332574,
      "ask_volume": 0,
      "last_price": "2.61",
      "implied_volatility": "0.526558215016709",
      "gamma": 0.0564881467351574,
      "avg_price": "2.5862500000000000000000000000",
      "bid_volume": 80,
      "nbbo_ask": "3.10",
      "strike": "79",
      "option_symbol": "AFRM261023C00079000",
      "total_premium": "20690.00",
      "iv": 0.53843247216154,
      "volume": 80,
      "nbbo_bid": "2.44"
    },
    {
      "underlying_symbol": "AFRM",
      "expires": "2026-10-23",
      "open_interest": 37,
      "option_type": "put",
      "delta": -0.40869611011046,
      "ask_volume": 33,
      "last_price": "2.07",
      "implied_volatility": "0.512659449779501",
      "gamma": 0.0579834835092053,
      "avg_price": "1.9655072463768115942028985506",
      "bid_volume": 35,
      "nbbo_ask": "2.23",
      "strike": "77",
      "option_symbol": "AFRM261023P00077000",
      "total_premium": "13562.00",
      "iv": 0.511694683453648,
      "volume": 69,
      "nbbo_bid": "1.88"
    },
    {
      "underlying_symbol": "AFRM",
      "expires": "2026-10-16",
      "open_interest": 450,
      "option_type": "call",
      "delta": 0.833546566945365,
      "ask_volume": 0,
      "last_price": "4.92",
      "implied_volatility": "0.81096620202932",
      "gamma": 0.053617793226622,
      "avg_price": "4.92",
      "bid_volume": 50,
      "nbbo_ask": "5.35",
      "strike": "74",
      "option_symbol": "AFRM261016C00074000",
      "total_premium": "24600.00",
      "iv": 0.63371270748259,
      "volume": 50,
      "nbbo_bid": "4.00"
    },
    {
      "underlying_symbol": "AFRM",
      "expires": "2026-10-23",
      "open_interest": 23,
      "option_type": "call",
      "delta": 0.751600104750665,
      "ask_volume": 50,
      "last_price": "5.62",
      "implied_volatility": "0.605525626077535",
      "gamma": 0.0460645316452755,
      "avg_price": "5.62",
      "bid_volume": 0,
      "nbbo_ask": "6.15",
      "strike": "74",
      "option_symbol": "AFRM261023C00074000",
      "total_premium": "28100.00",
      "iv": 0.525115135587235,
      "volume": 50,
      "nbbo_bid": "4.50"
    },
    {
      "underlying_symbol": "AFRM",
      "expires": "2026-11-06",
      "open_interest": 29,
      "option_type": "call",
      "delta": 0.515150570581415,
      "ask_volume": 45,
      "last_price": "5.88",
      "implied_volatility": "0.706677892018179",
      "gamma": 0.0281102343215633,
      "avg_price": "5.88",
      "bid_volume": 0,
      "nbbo_ask": "6.25",
      "strike": "79",
      "option_symbol": "AFRM261106C00079000",
      "total_premium": "26460.00",
      "iv": 0.702996708394636,
      "volume": 45,
      "nbbo_bid": "5.30"
    }
  ],
  "gamma_profile": {
    "ticker": "AFRM",
    "spot": 78.105,
    "date": "2026-10-13",
    "flip_point": 79.95,
    "net_gex": 98117.93,
    "call_walls": [
      {
        "strike": 80.0,
        "gex": 52768.48
      },
      {
        "strike": 82.5,
        "gex": 23800.25
      },
      {
        "strike": 77.5,
        "gex": 21653.07
      }
    ],
    "put_walls": [
      {
        "strike": 70.0,
        "gex": -13159.49
      },
      {
        "strike": 75.0,
        "gex": -12843.94
      },
      {
        "strike": 80.0,
        "gex": -11825.74
      }
    ],
    "by_strike": [
      {
        "strike": 68.0,
        "call_gex": 66.47,
        "put_gex": -2946.84,
        "net_gex": -2880.38
      },
      {
        "strike": 69.0,
        "call_gex": 33.37,
        "put_gex": -704.04,
        "net_gex": -670.66
      },
      {
        "strike": 70.0,
        "call_gex": 7282.72,
        "put_gex": -13159.49,
        "net_gex": -5876.76
      },
      {
        "strike": 71.0,
        "call_gex": 182.08,
        "put_gex": -1866.29,
        "net_gex": -1684.21
      },
      {
        "strike": 72.0,
        "call_gex": 270.94,
        "put_gex": -617.17,
        "net_gex": -346.23
      },
      {
        "strike": 72.5,
        "call_gex": 4993.66,
        "put_gex": -6170.92,
        "net_gex": -1177.27
      },
      {
        "strike": 73.0,
        "call_gex": 716.95,
        "put_gex": -1750.43,
        "net_gex": -1033.49
      },
      {
        "strike": 74.0,
        "call_gex": 1999.2,
        "put_gex": -1649.13,
        "net_gex": 350.07
      },
      {
        "strike": 75.0,
        "call_gex": 16640.03,
        "put_gex": -12843.94,
        "net_gex": 3796.09
      },
      {
        "strike": 76.0,
        "call_gex": 2040.12,
        "put_gex": -2598.16,
        "net_gex": -558.04
      },
      {
        "strike": 77.0,
        "call_gex": 2486.52,
        "put_gex": -4827.89,
        "net_gex": -2341.37
      },
      {
        "strike": 77.5,
        "call_gex": 21653.07,
        "put_gex": -10223.81,
        "net_gex": 11429.26
      },
      {
        "strike": 78.0,
        "call_gex": 3210.21,
        "put_gex": -3623.13,
        "net_gex": -412.92
      },
      {
        "strike": 79.0,
        "call_gex": 6946.65,
        "put_gex": -3444.52,
        "net_gex": 3502.13
      },
      {
        "strike": 80.0,
        "call_gex": 52768.48,
        "put_gex": -11825.74,
        "net_gex": 40942.75
      },
      {
        "strike": 81.0,
        "call_gex": 3721.94,
        "put_gex": -155.49,
        "net_gex": 3566.45
      },
      {
        "strike": 82.0,
        "call_gex": 4617.63,
        "put_gex": -9.85,
        "net_gex": 4607.78
      },
      {
        "strike": 82.5,
        "call_gex": 23800.25,
        "put_gex": -3214.34,
        "net_gex": 20585.91
      },
      {
        "strike": 83.0,
        "call_gex": 5195.5,
        "put_gex": -46.53,
        "net_gex": 5148.97
      },
      {
        "strike": 84.0,
        "call_gex": 1109.32,
        "put_gex": -9.69,
        "net_gex": 1099.63
      },
      {
        "strike": 85.0,
        "call_gex": 16303.53,
        "put_gex": -1384.44,
        "net_gex": 14919.09
      },
      {
        "strike": 86.0,
        "call_gex": 811.29,
        "put_gex": -13.81,
        "net_gex": 797.48
      },
      {
        "strike": 87.0,
        "call_gex": 141.32,
        "put_gex": -15.35,
        "net_gex": 125.97
      },
      {
        "strike": 87.5,
        "call_gex": 3361.13,
        "put_gex": -643.61,
        "net_gex": 2717.53
      },
      {
        "strike": 88.0,
        "call_gex": 184.57,
        "put_gex": -8.42,
        "net_gex": 176.15
      }
    ]
  },
  "oi_changes": {
    "net_call_oi_change": 11,
    "net_put_oi_change": -1,
    "top": [
      {
        "strike": "100",
        "oi_change": 6,
        "type": "call"
      },
      {
        "strike": "80",
        "oi_change": 5,
        "type": "call"
      },
      {
        "strike": "30",
        "oi_change": -2,
        "type": "put"
      },
      {
        "strike": "60",
        "oi_change": 1,
        "type": "put"
      },
      {
        "strike": "17.5",
        "oi_change": 0,
        "type": "put"
      }
    ]
  },
  "opds": {
    "opds": -3.6,
    "D": -6.4,
    "P": 42.9,
    "O": 30.1,
    "C": 56.1,
    "signal": "NEUTRAL",
    "direction": "bearish",
    "coverage": 0.85,
    "ranked": true,
    "components": {
      "M": 12.9,
      "T": 100.0,
      "RS": 80.4,
      "V": -13.7,
      "F": 5.8,
      "OI": 100.0,
      "S": 31.0,
      "IV": 14.3,
      "B": null,
      "Liquidity": 42.3,
      "OpeningConfidence": 53.3,
      "FlowAgreement": 100.0,
      "StrikeBreadth": 16.7
    },
    "drivers": [
      "+ open-interest change +100",
      "+ trend +100",
      "+ relative strength +80",
      "+ skew +31"
    ]
  }
}

Market Environment

Data:

{
  "vix": 15.41,
  "sp500": 7765.36,
  "fed_funds": 3.63,
  "yield_curve_10y2y": 0.51,
  "hy_spread": 3.03,
  "treasury": {
    "date": "2026-10-09",
    "month1": 4.13,
    "month2": 4.13,
    "month3": 4.25,
    "month6": 4.32,
    "year1": 4.47,
    "year2": 4.8,
    "year3": 4.89,
    "year5": 5.02,
    "year7": 5.13,
    "year10": 5.24,
    "year20": 5.65,
    "year30": 5.6
  },
  "events": [
    {
      "title": "Core CPI m/m",
      "currency": "USD",
      "date": "2026-10-14",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.2%",
      "previous": "0.3%",
      "actual": null,
      "minutes_until": 1304
    },
    {
      "title": "Core CPI y/y",
      "currency": "USD",
      "date": "2026-10-14",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "2.5%",
      "previous": "2.4%",
      "actual": null,
      "minutes_until": 1304
    },
    {
      "title": "CPI m/m",
      "currency": "USD",
      "date": "2026-10-14",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.6%",
      "previous": "0.4%",
      "actual": null,
      "minutes_until": 1304
    },
    {
      "title": "CPI y/y",
      "currency": "USD",
      "date": "2026-10-14",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "3.6%",
      "previous": "3.4%",
      "actual": null,
      "minutes_until": 1304
    },
    {
      "title": "Core PPI m/m",
      "currency": "USD",
      "date": "2026-10-15",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.3%",
      "previous": "0.2%",
      "actual": null,
      "minutes_until": 2744
    },
    {
      "title": "Core Retail Sales m/m",
      "currency": "USD",
      "date": "2026-10-15",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.6%",
      "previous": "1.4%",
      "actual": null,
      "minutes_until": 2744
    },
    {
      "title": "PPI m/m",
      "currency": "USD",
      "date": "2026-10-15",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.6%",
      "previous": "0.4%",
      "actual": null,
      "minutes_until": 2744
    },
    {
      "title": "Retail Sales m/m",
      "currency": "USD",
      "date": "2026-10-15",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.3%",
      "previous": "1.2%",
      "actual": null,
      "minutes_until": 2744
    },
    {
      "title": "Fed Chairman Warsh Speaks",
      "currency": "USD",
      "date": "2026-10-16",
      "time_utc": "03:30",
      "impact": "High",
      "forecast": null,
      "previous": null,
      "actual": null,
      "minutes_until": 3644
    }
  ]
}

Intraday Patterns

Data:

{
  "days": 103,
  "patterns": [
    {
      "name": "VWAP Touch",
      "count": 103,
      "pct": 100
    },
    {
      "name": "9 EMA Touch",
      "count": 103,
      "pct": 100
    },
    {
      "name": "21 EMA Touch",
      "count": 103,
      "pct": 100
    },
    {
      "name": "Woodie Pivot Touch",
      "count": 99,
      "pct": 96
    },
    {
      "name": "ORB Breakout",
      "count": 98,
      "pct": 95
    },
    {
      "name": "PDH/PDL Touch",
      "count": 92,
      "pct": 89
    },
    {
      "name": "Open Retracement",
      "count": 75,
      "pct": 73
    },
    {
      "name": "Gap Fill",
      "count": 71,
      "pct": 69
    },
    {
      "name": "Darvas Box",
      "count": 46,
      "pct": 45
    },
    {
      "name": "High Vol Open",
      "count": 25,
      "pct": 24
    },
    {
      "name": "Power Hour",
      "count": 14,
      "pct": 14
    }
  ]
}