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 7.7844
  • Debt/Equity 2.5589
  • CurrentRatio 54.185
  • ROIC -0.0068

 

  • MktCap 23594675230.0
  • FreeCF/Share 1.8406
  • PFCF 39.2121
  • PE 457.7924
  • 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

Down 17%, What's Next For Affirm Stock?
AFRM
Published: September 29, 2025 by: Forbes
Sentiment: Negative

Affirm (NASDAQ: AFRM) stock has declined by 17.5% over 5 trading days. While company-specific news has been somewhat limited, insider selling appears to have weighed on the stock with a substantial share sale by CEO Max Levchin.

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image for news Down 17%, What's Next For Affirm Stock?
Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now
AFRM, GRMN
Published: September 29, 2025 by: Zacks Investment Research
Sentiment: Positive

Why investors should use the Zacks Earnings ESP tool to help find stocks that are poised to top quarterly earnings estimates.

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image for news Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now
Why Affirm Could Be the Next Big Winner in Rate-Cut Rally
AFRM
Published: September 26, 2025 by: MarketBeat
Sentiment: Positive

While many investors are still chasing the tech rally, especially following the Fed's rate cut. Lower interest rates tend to boost spending and lending, especially in artificial intelligence (AI), accelerating the competitive race that is already reshaping the industry.

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image for news Why Affirm Could Be the Next Big Winner in Rate-Cut Rally
Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock
AFRM
Published: September 23, 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.

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image for news Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock
Buy AFRM Stock or Paymentus?
AFRM, PAY
Published: September 19, 2025 by: Forbes
Sentiment: Positive

Following a robust quarterly performance and an upbeat outlook, Affirm's stock (NASDAQ: AFRM) has soared over 20% in the last month. This growth was also fueled by a strategic expansion of its partnership with Apple Pay for in-store purchases and new integrations with ServiceTitan and Stripe Terminal.

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image for news Buy AFRM Stock or Paymentus?
Affirm Expands BNPL Reach With ServiceTitan & Vagaro Partnerships
AFRM
Published: September 17, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM deepens its BNPL footprint with new ServiceTitan and Vagaro deals, expanding into home repairs, beauty, fitness and wellness services.

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image for news Affirm Expands BNPL Reach With ServiceTitan & Vagaro Partnerships
Affirm vs. Block: Which Fintech Stock Has More Growth Potential?
AFRM, XYZ
Published: September 17, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's BNPL momentum, merchant expansion and earnings growth give it stronger upside than XYZ's diversified but slower portfolio.

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image for news Affirm vs. Block: Which Fintech Stock Has More Growth Potential?
Affirm Unveils In-Store Pay Later Option Through Apple Pay
AFRM
Published: September 16, 2025 by: Zacks Investment Research
Sentiment: Neutral

AFRM brings Pay Later to in-store Apple Pay purchases, offering flexible and transparent payment options to more U.S. consumers.

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image for news Affirm Unveils In-Store Pay Later Option Through Apple Pay
Affirm live for in-store purchases with Apple Pay on iPhone
AFRM
Published: September 15, 2025 by: Business Wire
Sentiment: Neutral

SAN FRANCISCO--(BUSINESS WIRE)--Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants grow, today announced that its flexible, transparent payment options are now available when making in-store purchases with Apple Pay on iPhone. This payment option offers even more flexibility and choice for Apple Pay customers, and is available with Apple Pay in the U.S. "Building on our successful launch that gave consumers access to Affirm when checking out with Apple Pay on.

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image for news Affirm live for in-store purchases with Apple Pay on iPhone
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
AFRM
Published: September 12, 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.

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image for news Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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

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.