Affirm Holdings (STU:78P) Institutional Ownership: 2.10% (As of Jul. 24, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Affirm Holdings Institutional Ownership?

Affirm Holdings STU:78P 83 Institutional Ownership is 2.10% as of Jul. 24, 2026. GuruFocus rates STU:78P with a GF Score™ of 83/100. The stock has 7 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Affirm Holdings's institutional ownership is 2.10%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Affirm Holdings's Insider Ownership is 0.00%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Affirm Holdings's Float Percentage Of Total Shares Outstanding is 0.00%.

Affirm Holdings Institutional Ownership Historical Data

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The historical data trend for Affirm Holdings's Institutional Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Affirm Holdings Institutional Ownership Chart

Affirm Holdings Historical Data

The historical data trend for Affirm Holdings can be seen below:

2021-01-31 2021-02-28
Institutional Ownership 2.15 2.10

Affirm Holdings Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 2.10% mean?
Affirm Holdings (STU:78P) has a Institutional Ownership of 2.10% as of Jul. 24, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Affirm Holdings and its competitors.
Is Affirm Holdings' Institutional Ownership too high?
Affirm Holdings' current Institutional Ownership is 2.10%. Overall, Affirm Holdings has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Institutional Ownership compare to SYF and SOFI?
Affirm Holdings' Institutional Ownership of 2.10% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Credit Services company?
A good Institutional Ownership depends on the Credit Services industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current Institutional Ownership is 2.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affirm Holdings stock overvalued right now?
Affirm Holdings (STU:78P) has a current Institutional Ownership of 2.10%. The current Institutional Ownership is 2.10%. Affirm Holdings' overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current Institutional Ownership is 2.10% as of Jul. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Affirm Holdings Business Description

Address 650 California Street, San Francisco, CA, USA, 94108
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.