Affirm Holdings, Inc. (AFRM)

US — Technology Sector
Peers: UPST  SOFI  RBLX  HOOD  SNOW 

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Key Metrics & Ratings

  • symbol AFRM
  • Rev/Share 9.8634
  • Book/Share 9.388
  • PB 8.7489
  • Debt/Equity 2.5589
  • CurrentRatio 54.185
  • ROIC -0.0066

 

  • MktCap 26518180761.0
  • FreeCF/Share 1.8406
  • PFCF 44.0706
  • PE 514.5153
  • Debt/Assets 0.704
  • DivYield 0
  • ROE 0.018

 

  • Rating C-
  • Score 1
  • Recommendation Strong Sell
  • P/E Score 1
  • DCF Score 1
  • P/B Score 1
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
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
Downgrade AFRM BTIG Research Buy Neutral -- -- July 14, 2025
Initiation AFRM Stephens -- Equal Weight -- $69 June 12, 2025
Initiation AFRM Truist -- Buy -- $58 June 2, 2025
Upgrade AFRM Susquehanna Neutral Positive -- $65 May 9, 2025
Initiation AFRM TD Cowen -- Buy -- $50 April 8, 2025
Initiation AFRM Seaport Research Partners -- Neutral -- -- March 24, 2025
Resumed AFRM BMO Capital Markets -- Outperform -- $69 March 20, 2025

News

Affirm Holdings, Inc. (AFRM) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript
AFRM
Published: September 10, 2025 by: Seeking Alpha
Sentiment: Neutral

Affirm Holdings, Inc. (NASDAQ:AFRM ) Barclays 23rd Annual Global Financial Services Conference September 10, 2025 8:15 AM EDT Company Participants Brooke Major-Reid - Chief Capital Officer Zane Keller - Head of Investor Relations Conference Call Participants Allison Gelman - Barclays Bank PLC, Research Division Presentation Allison Gelman Research Analyst Great. Good morning, everyone.

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image for news Affirm Holdings, Inc. (AFRM) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript
Fight Now, Pay Later: Will Klarna's IPO Turn Up the Heat On Affirm?
AFRM
Published: September 08, 2025 by: Zacks Investment Research
Sentiment: Positive

Klarna's $14B U.S. IPO stirs fresh competition in BNPL, putting pressure on AFRM even as it posts robust growth and has global expansion plans.

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image for news Fight Now, Pay Later: Will Klarna's IPO Turn Up the Heat On Affirm?
Affirm's Tech Moat: Is Real-Time Underwriting the Differentiator?
AFRM
Published: September 05, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM stands out in BNPL with real-time underwriting that uses data-driven models to assess risk instantly and refine approvals.

Read More
image for news Affirm's Tech Moat: Is Real-Time Underwriting the Differentiator?
AFRM Jumps on Q4 Results Before Klarna Crashes the Party: Buy or Bail?
AFRM
Published: September 04, 2025 by: Zacks Investment Research
Sentiment: Positive

Affirm's strong Q4 beat and upbeat outlook lift shares, but Klarna's looming IPO is testing investor confidence in the BNPL player.

Read More
image for news AFRM Jumps on Q4 Results Before Klarna Crashes the Party: Buy or Bail?
Affirm's 0% APR Loans Play: Smart Growth Driver or Profitability Risk?
AFRM
Published: September 03, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM bets big on 0% APR loans, fueling surging consumer use and sales, but raising questions over margin pressures.

Read More
image for news Affirm's 0% APR Loans Play: Smart Growth Driver or Profitability Risk?
Affirm's Inflection Proved BNPL Bears Wrong - Dip Buying Opportunity Ahead
AFRM
Published: September 03, 2025 by: Seeking Alpha
Sentiment: Positive

The growing adoption of AFRM's BNPL offerings across different merchants, consumers, & funding partners have triggered a consistently improving operating scale. The same has been observed in the fintech's robust top/ bottom-line performances in FQ4'25 and the management's promising FY2026 guidance. Much of the tailwinds are naturally attributed to the promising cross selling trends from its basic BNPL offerings to Affirm Card and 0% APR monthly promo.

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image for news Affirm's Inflection Proved BNPL Bears Wrong - Dip Buying Opportunity Ahead
Sell AFRM Stock At $85?
AFRM
Published: September 02, 2025 by: Forbes
Sentiment: Negative

After a strong 40% year-to-date surge, including a recent boost from a positive earnings report, investors might be wondering if Affirm Holdings stock (NASDAQ: AFRM), a financial technology company that offers services, such as buy now, pay later, and point-of-sale payment solutions, is still a good buy. At its current price of around $85, the stock appears to be relatively expensive, making it a pricey option for new investors.

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image for news Sell AFRM Stock At $85?
Can Affirm Card Be the Next Evolution of Consumer Payments?
AFRM
Published: September 01, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's card blends debit and credit features, fueling surging user growth and record transaction volume.

Read More
image for news Can Affirm Card Be the Next Evolution of Consumer Payments?
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
AFRM
Published: September 01, 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
image for news Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
Affirm Q4 Earnings Beat Estimates on Increasing Transaction Volumes
AFRM
Published: August 29, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's Q4 EPS and revenues top estimates as GMV, repeat transactions and card network revenues surge.

Read More
image for news Affirm Q4 Earnings Beat Estimates on Increasing Transaction Volumes
Affirm stock surges 15% as CEO Levchin notes continued consumer strength
AFRM
Published: August 29, 2025 by: CNBC
Sentiment: Positive

Affirm stock popped after the buy now, pay later firm beat Wall Street's expectations in its fiscal fourth-quarter results Earnings of 20 cents a share nearly doubled analyst forecasts, with revenue up 33% to $876 million.

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image for news Affirm stock surges 15% as CEO Levchin notes continued consumer strength
Affirm Stock Soars as BNPL Firm's Fiscal Q4 Results Easily Top Estimates
AFRM
Published: August 29, 2025 by: Investopedia
Sentiment: Positive

Affirm (AFRM) swung to a quarterly profit with better-than-estimated results, as the buy now, pay later (BNPL) provider posted surging gross merchandise volume.

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image for news Affirm Stock Soars as BNPL Firm's Fiscal Q4 Results Easily Top Estimates
Affirm Reports Earnings Today. What Investors Should Expect From the Fintech.
AFRM
Published: August 28, 2025 by: Barrons
Sentiment: Neutral

The provider of buy-now, pay-later services said in May that tariffs would barely impact future results.

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image for news Affirm Reports Earnings Today. What Investors Should Expect From the Fintech.
BNPL Faceoff, Affirm vs. PayPal: Who's Really Checking Out Stronger?
AFRM, PYPL
Published: August 28, 2025 by: Zacks Investment Research
Sentiment: Neutral

PYPL's scale, cash flow and rising margins give it an edge over AFRM's high-growth but high-debt BNPL play.

Read More
image for news BNPL Faceoff, Affirm vs. PayPal: Who's Really Checking Out Stronger?
Affirm Holdings: Sell AFRM Stock Now?
AFRM
Published: August 26, 2025 by: Forbes
Sentiment: Negative

Affirm Holdings (NASDAQ: AFRM), a fintech company offering buy now, pay later services and point-of-sale payment solutions, is set to announce its earnings on Thursday, August 28, 2025. Historically, Affirm's stock has frequently dropped after earnings releases.

Read More
image for news Affirm Holdings: Sell AFRM Stock Now?
Countdown to Affirm Holdings (AFRM) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS
AFRM
Published: August 25, 2025 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 June 2025.

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image for news Countdown to Affirm Holdings (AFRM) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS
Affirm Holdings (AFRM) is a Top-Ranked Momentum Stock: Should You Buy?
AFRM
Published: August 22, 2025 by: Zacks Investment Research
Sentiment: Positive

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

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image for news Affirm Holdings (AFRM) is a Top-Ranked Momentum Stock: Should You Buy?
Affirm Holdings (AFRM) Just Flashed Golden Cross Signal: Do You Buy?
AFRM
Published: August 22, 2025 by: Zacks Investment Research
Sentiment: Positive

After reaching an important support level, Affirm Holdings (AFRM) could be a good stock pick from a technical perspective. AFRM surpassed resistance at the 20-day moving average, suggesting a short-term bullish trend.

Read More
image for news Affirm Holdings (AFRM) Just Flashed Golden Cross Signal: Do You Buy?
Affirm's Repeat Users: A Strong Signal for Sustainable BNPL Growth?
AFRM
Published: August 21, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's 94% repeat transaction rate and surging revenues highlight trust-driven growth in the competitive BNPL market.

Read More
image for news Affirm's Repeat Users: A Strong Signal for Sustainable BNPL Growth?
Affirm Holdings (AFRM) Reports Next Week: Wall Street Expects Earnings Growth
AFRM
Published: August 21, 2025 by: Zacks Investment Research
Sentiment: Positive

Affirm Holdings (AFRM) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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image for news Affirm Holdings (AFRM) Reports Next Week: Wall Street Expects Earnings Growth
AFRM Trades at Premium: Too Much Affirm-ation, or Still Time to Buy?
AFRM
Published: August 19, 2025 by: Zacks Investment Research
Sentiment: Positive

Affirm's soaring cash flow, repeat usage and global expansion fuel optimism, but its premium valuation and rising competition keep investors cautious.

Read More
image for news AFRM Trades at Premium: Too Much Affirm-ation, or Still Time to Buy?
Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
AFRM
Published: August 15, 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
image for news Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
Xsolla Expands Payments in the Americas to Boost Conversions With Pay by Bank, Affirm, and Recurring Billing via Mercado Pago
AFRM
Published: August 14, 2025 by: Business Wire
Sentiment: Neutral

LOS ANGELES--(BUSINESS WIRE)--Xsolla, a global commerce company helping developers launch, grow and monetize their games, announces today a major expansion of its localized payments offering across North and South America today. With new support for Pay by Bank and Affirm in the United States, Affirm in Canada, and recurring billing via Mercado Pago in Brazil, developers and publishers using Xsolla Pay Station can now unlock new revenue streams, reduce friction, and better connect with players.

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image for news Xsolla Expands Payments in the Americas to Boost Conversions With Pay by Bank, Affirm, and Recurring Billing via Mercado Pago
Affirm's Expanded Stripe Partnership to Boost In-Store BNPL
AFRM
Published: August 14, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM expands its Stripe partnership, bringing BNPL to over a million in-store locations across the United States and Canada.

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image for news Affirm's Expanded Stripe Partnership to Boost In-Store BNPL
Affirm Adds Chrome Autofill to Expand Product Suite, Boost Transactions
AFRM
Published: August 13, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM expands its Google Pay partnership, adding Chrome Autofill pay-over-time options to boost consumer purchasing power and drive transaction growth.

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image for news Affirm Adds Chrome Autofill to Expand Product Suite, Boost Transactions
Affirm expands work with Google Pay, integrates with autofill on Chrome
AFRM
Published: August 12, 2025 by: Business Wire
Sentiment: Neutral

SAN FRANCISCO--(BUSINESS WIRE)--Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced that it is expanding its collaboration with Google Pay and making its flexible, transparent payment options available via autofill on Chrome. This announcement builds on Affirm's launch on Google Pay in early 2024, which enabled eligible consumers to pay over time with Affirm wherever the Google Pay button is accepted. Now, using autofill on Chrome.

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image for news Affirm expands work with Google Pay, integrates with autofill on Chrome
4 Internet Stocks Poised to Beat Earnings Estimates This Season
AFRM, BILL, GLOB, NICE
Published: August 08, 2025 by: Zacks Investment Research
Sentiment: Positive

Here, we have picked four Internet stocks, GLOB, NICE, AFRM and BILL, which are likely to pull off earnings surprises this season.

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image for news 4 Internet Stocks Poised to Beat Earnings Estimates This Season
Here's Why Affirm Holdings (AFRM) is a Strong Momentum Stock
AFRM
Published: August 06, 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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image for news Here's Why Affirm Holdings (AFRM) is a Strong Momentum Stock
Affirm Holdings (AFRM) Just Overtook the 20-Day Moving Average
AFRM
Published: August 05, 2025 by: Zacks Investment Research
Sentiment: Positive

After reaching an important support level, Affirm Holdings (AFRM) could be a good stock pick from a technical perspective. AFRM surpassed resistance at the 20-day moving average, suggesting a short-term bullish trend.

Read More
image for news Affirm Holdings (AFRM) Just Overtook the 20-Day Moving Average
Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock
AFRM
Published: August 04, 2025 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
image for news Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock

About Affirm Holdings, Inc. (AFRM)

  • IPO Date 2021-01-13
  • Website https://www.affirm.com
  • Industry Software - Infrastructure
  • CEO Max Roth Levchin
  • Employees 2006

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.