Affirm Holdings, Inc. (AFRM)
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- symbol AFRM
- Rev/Share 11.1165
- Book/Share 10.6107
- PB 4.8149
- Debt/Equity 0.3179
- CurrentRatio 44.0245
- ROIC 0.061
- MktCap 17018622955.0
- FreeCF/Share 1.8522
- PFCF 27.4878
- PE 60.4895
- Debt/Assets 0.087
- DivYield 0
- ROE 0.0883
- Rating C
- Score 2
- Recommendation Sell
- P/E Score 1
- DCF Score 1
- P/B Score 1
- D/E Score 2
Recent Analyst Ratings
| Type | Ticker | Analyst Firm | Previous Rating | Current Rating | Previous Price Target | Current Price Target | Date |
|---|---|---|---|---|---|---|---|
| Initiation | AFRM | Robert W. Baird | -- | Neutral | -- | $55 | Feb. 20, 2026 |
| Upgrade | AFRM | Morgan Stanley | Equal Weight | Overweight | -- | $76 | Feb. 3, 2026 |
| Upgrade | AFRM | Needham | Hold | Buy | -- | $100 | Jan. 27, 2026 |
| Initiation | AFRM | Wolfe Research | -- | Peer Perform | -- | -- | Dec. 9, 2025 |
| Initiation | AFRM | Citigroup | -- | Buy | -- | $100 | Oct. 23, 2025 |
| Initiation | AFRM | Wells Fargo | -- | Overweight | -- | $89 | Oct. 22, 2025 |
| Upgrade | AFRM | Rothschild & Co Redburn | Neutral | Buy | -- | $101 | Oct. 6, 2025 |
| Initiation | AFRM | Rothschild & Co Redburn | -- | Neutral | -- | $74 | Aug. 1, 2025 |
| Initiation | AFRM | Oppenheimer | -- | Outperform | -- | $80 | July 21, 2025 |
| Resumed | AFRM | Deutsche Bank | -- | Buy | -- | $78 | July 17, 2025 |
News
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
Published: February 20, 2026 by: Zacks Investment Research
Sentiment: Positive
Affirm Holdings (AFRM) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Read More
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
Published: February 09, 2026 by: Zacks Investment Research
Sentiment: Positive
Zacks.com users have recently been watching Affirm Holdings (AFRM) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Read More
Affirm Earnings Beat Highlights Growth and Credit Concerns
Published: February 06, 2026 by: MarketBeat
Sentiment: Neutral
Affirm Holdings Inc. NASDAQ: AFRM delivered a solid earnings report after the market closed on Feb. 5. However, the stock fell about 4% in after-hours trading.
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Affirm Q2 Earnings Beat Estimates on Higher Transactions
Published: February 06, 2026 by: Zacks Investment Research
Sentiment: Positive
AFRM tops Q2 estimates with strong GMV and revenue growth, as higher transactions and repeat customers lift results despite rising costs.
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Analysts Deem Affirm's Outlook Conservative
Published: February 06, 2026 by: Bloomberg Technology
Sentiment: Neutral
Buy-now-pay-later company Affirm beat second quarter revenue expectations from Wall Street but offered what some analysts thought was conservative guidance. Affirm CEO Max Levchin joins Caroline Hyde and Ed Ludlow on “Bloomberg Tech.
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Affirm Stock Slips After Earnings. Analysts Say That's Unwarranted.
Published: February 06, 2026 by: Barrons
Sentiment: Neutral
Affirm Holdings posts revenue and gross merchandise volume that easily tops Wall Street estimates.
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Affirm to Report Q2 Earnings: Will Higher GMV & Consumers Help?
Published: February 03, 2026 by: Zacks Investment Research
Sentiment: Neutral
AFRM heads into fiscal Q2 earnings with GMV expected to rise nearly 32%, revenue growth above 20%, and rising merchants and consumers lifting transactions.
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Curious about Affirm Holdings (AFRM) Q2 Performance? Explore Wall Street Estimates for Key Metrics
Published: February 02, 2026 by: Zacks Investment Research
Sentiment: Positive
Besides Wall Street's top-and-bottom-line estimates for Affirm Holdings (AFRM), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended December 2025.
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Affirm: Groceries On Credit? The Shift In BNPL And The Credit Market
Published: January 27, 2026 by: Seeking Alpha
Sentiment: Positive
Affirm Holdings, Inc. remains a Buy due to sustained GAAP profitability, robust 42% GMV growth, and expanding margins despite regulatory and valuation headwinds. AFRM's active consumers rose to 24.1 million, with transactions per user up 20% and Affirm Card adoption surging 101%, underscoring deepening user engagement. Klarna's stock has fallen over 40% post-IPO; while scale and revenue growth are evident, persistent losses and market skepticism warrant caution until profitability is proven.
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Affirm and Fiserv Team to Bring BNPL to Debit Programs
Published: January 26, 2026 by: PYMNTS
Sentiment: Positive
Payments and financial services company Fiserv has launched a partnership with pay-over-time provider Affirm. This collaboration is designed to bring buy now, pay later (BNPL) capabilities to the debit card programs at Fiserv's bank and credit union partners as consumers seek flexible payment options, the companies said in a Monday (Jan. 26) news release.
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Affirm Is Expanding Buy Now, Pay Later Services for Rent Payments
Published: January 26, 2026 by: MarketBeat
Sentiment: Neutral
Over the past month, financial stocks have been getting hammered. Of the S&P 500's 11 sectors, the group has performed the worst with a loss of 2.73%.
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BNPL Provider Affirm Applies to Establish Bank Subsidiary
Published: January 23, 2026 by: PYMNTS
Sentiment: Positive
Buy now, pay later (BNPL) provider Affirm aims to establish a bank subsidiary called Affirm Bank. Affirm submitted applications to the Nevada Financial Institutions Division and the Federal Deposit Insurance Corporation (FDIC) to establish a Nevada-chartered industrial loan company, the company said in a Friday (Jan. 23) press release.
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Affirm submits applications to establish industrial loan company
Published: January 23, 2026 by: Business Wire
Sentiment: Neutral
SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM) (“Affirm” or the “Company”) today announced that it has submitted applications to the Nevada Financial Institutions Division and the Federal Deposit Insurance Corporation (“FDIC”) to establish Affirm Bank, a proposed Nevada-chartered industrial loan company. The proposed bank subsidiary would enable Affirm to continue scaling responsibly while having an FDIC-insured institution. This would help Affirm expand access to honest f.
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'Buy Now, Cry Later'? Kerrisdale Says Affirm Is A Subprime Time Bomb
Published: January 21, 2026 by: Benzinga
Sentiment: Negative
Affirm Holdings Inc (NASDAQ: AFRM) stock has been ripping higher, returning investors about 30% over the past year. Analysts have price targets suggesting at least 30-40% upside, and retail optimism is building — but Kerrisdale Capital says the entire rally is built on a familiar and dangerous illusion.
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Affirm to offer buy now, pay later option for rent payments
Published: January 19, 2026 by: Fox Business
Sentiment: Positive
Affirm partners with Esusu to pilot zero-fee rent payment splitting program, allowing renters to pay monthly rent in two biweekly installments at 0% APR.
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Will Affirm's Smart Underwriting Shift Redefine BNPL Risk?
Published: January 15, 2026 by: Zacks Investment Research
Sentiment: Neutral
AFRM adds real-time bank data to underwriting, aiming for sharper risk decisions and wider approvals.
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Affirm: Credit Card Interest Rate Cap Could Be Bullish
Published: January 13, 2026 by: Seeking Alpha
Sentiment: Positive
Affirm Holdings remains the leading U.S. BNPL platform, with strong execution, resilient credit metrics, and a multi-year growth runway. AFRM's upcoming quarter, covering the robust holiday shopping period, is expected to showcase continued strength as consumer adoption of BNPL accelerates. Potential credit card interest rate caps could structurally benefit BNPL providers like AFRM, driving further market share gains among underbanked consumers.
Read More
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
Published: January 09, 2026 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Affirm Holdings (AFRM). This makes it worthwhile to examine what the stock has in store.
Read More
Buy 3 Fintech Bigwigs for 2026 to Tap Global Digital Finance Revolution
Published: December 29, 2025 by: Zacks Investment Research
Sentiment: Positive
HOOD, SOFI and AFRM lead a fintech trio poised to ride AI, mobile growth and lower rates into 2026's digital finance boom.
Read More
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
Published: December 29, 2025 by: Zacks Investment Research
Sentiment: Positive
Affirm Holdings (AFRM) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Read More
Affirm Holdings (AFRM) Stock Drops Despite Market Gains: Important Facts to Note
Published: December 23, 2025 by: Zacks Investment Research
Sentiment: Neutral
Affirm Holdings (AFRM) closed at $75.64 in the latest trading session, marking a -3.73% move from the prior day.
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AFRM vs. AXP: Which Fintech Play is the Better Bet for 2026?
Published: December 22, 2025 by: Zacks Investment Research
Sentiment: Positive
Affirm's rapid growth, expanding merchant network and embedded BNPL model give it an edge over legacy players like AmEx, heading into 2026.
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Why Affirm Jumped 12% Yesterday — Does the Rally Have Legs?
Published: December 17, 2025 by: 24/7 Wall Street
Sentiment: Positive
Affirm Holdings ( NASDAQ: AFRM ) is a fast-growing leader in the buy now, pay later (BNPL) sector, offering consumers flexible installment payments for purchases.
Read More
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
Published: December 16, 2025 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Affirm Holdings (AFRM). This makes it worthwhile to examine what the stock has in store.
Read More
Affirm Expands Merchant Network: But Is Revenue Growth Keeping Up?
Published: December 12, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM grows its merchant network 30% YoY to 419,000, driving engagement and revenues up 34% in Q1 FY26.
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Will AFRM's Active Consumer Base Growth Translate Into a Strong FY26?
Published: December 09, 2025 by: Zacks Investment Research
Sentiment: Positive
Affirm's rising active consumer base and surging transactions spotlight momentum as the company navigates challenges heading into FY26.
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Market Loves Affirm at 54.6X Premium Valuation: But is Love Blind?
Published: December 08, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM's rich valuation towers over BNPL rivals as analysts still see upside, raising questions about how much growth is already priced in.
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Why Affirm Holdings (AFRM) is a Top Momentum Stock for the Long-Term
Published: December 05, 2025 by: Zacks Investment Research
Sentiment: Positive
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
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Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
Published: December 05, 2025 by: Zacks Investment Research
Sentiment: Positive
Affirm Holdings (AFRM) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
Read More
How Is Affirm Threading BNPL Growth Through Pacsun's Holiday Cart?
Published: December 05, 2025 by: Zacks Investment Research
Sentiment: Neutral
AFRM taps Pacsun's holiday rush with new pay-over-time options, aiming to lift volume as young shoppers embrace BNPL.
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About Affirm Holdings, Inc. (AFRM)
- IPO Date 2021-01-13
- Website https://www.affirm.com
- Industry Software - Infrastructure
- CEO Max Roth Levchin
- Employees 2006