Affirm Holdings, Inc. (AFRM)

US — Technology Sector
Peers: UPST  SOFI  RBLX  HOOD  SNOW 

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Key Metrics & Ratings

  • symbol AFRM
  • Rev/Share 9.2799
  • Book/Share 8.8717
  • PB 7.7262
  • Debt/Equity 2.5595
  • CurrentRatio 63.0923
  • ROIC -0.0085

 

  • MktCap 22112615835.0
  • FreeCF/Share 1.8784
  • PFCF 36.327
  • PE -357.145
  • Debt/Assets 0.7051
  • DivYield 0
  • ROE -0.0222

 

  • Rating D+
  • Score 1
  • Recommendation Strong Sell
  • P/E Score 1
  • DCF Score 1
  • P/B Score 2
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
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
Upgrade AFRM Compass Point Neutral Buy $61 $64 March 19, 2025
Upgrade AFRM Compass Point Sell Neutral $20 $61 Jan. 28, 2025
Downgrade AFRM Susquehanna Positive Neutral -- $57 Jan. 21, 2025
Initiation AFRM William Blair -- Outperform -- -- Jan. 15, 2025

News

Affirm's GMV Poised for Growth on an Expanding Merchant Base
AFRM
Published: July 11, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's growing merchant base and global tie-ups are powering broader reach and stronger transaction growth.

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image for news Affirm's GMV Poised for Growth on an Expanding Merchant Base
Will Affirm Be a Long-Term Winner in a Crowded Fintech Space?
AFRM
Published: July 10, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM shifts from big-ticket buys to daily spending as it scales transactions and deepens fintech competition footing.

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image for news Will Affirm Be a Long-Term Winner in a Crowded Fintech Space?
Is Most-Watched Stock Affirm Holdings, Inc. (AFRM) Worth Betting on Now?
AFRM
Published: July 08, 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 Is Most-Watched Stock Affirm Holdings, Inc. (AFRM) Worth Betting on Now?
Affirm Stock Skyrockets 146% in a Year: Is it Too Late to Buy?
AFRM
Published: July 07, 2025 by: Zacks Investment Research
Sentiment: Positive

Shares of Affirm Holdings, Inc. AFRM have surged 145.7% over the past year, significantly outperforming the broader market and peers. By comparison, the industry rose 35.1%, and the S&P 500 gained 12.3%.

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image for news Affirm Stock Skyrockets 146% in a Year: Is it Too Late to Buy?
Why Affirm Holdings (AFRM) is a Top Momentum Stock for the Long-Term
AFRM
Published: July 04, 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 Why Affirm Holdings (AFRM) is a Top Momentum Stock for the Long-Term
Affirm Holdings (AFRM) Laps the Stock Market: Here's Why
AFRM
Published: July 03, 2025 by: Zacks Investment Research
Sentiment: Neutral

Affirm Holdings (AFRM) closed at $69.19 in the latest trading session, marking a +1.2% move from the prior day.

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image for news Affirm Holdings (AFRM) Laps the Stock Market: Here's Why
Rumors of the demise of the American consumer are exaggerated, says Affirm CEO Max Levchin
AFRM
Published: July 02, 2025 by: CNBC Television
Sentiment: Positive

Max Levchin, Affirm CEO, joins 'Closing Bell Overtime' to talk the health of consumer credit, the inclusion of Buy Now Pay Later loans in FICO scores, and more.

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image for news Rumors of the demise of the American consumer are exaggerated, says Affirm CEO Max Levchin
Can Xsolla Help Affirm Gain an Edge in Gaming Payments?
AFRM
Published: June 27, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM partners with Xsolla to embed flexible BNPL options in gaming checkouts, targeting a tech-savvy audience.

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image for news Can Xsolla Help Affirm Gain an Edge in Gaming Payments?
Looking for Fintech Growth? Here's How Affirm and SoFi Stack Up
AFRM, SOFI
Published: June 27, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM edges ahead of SOFI with stronger earnings momentum, liquidity and a deepening capital partner network.

Read More
image for news Looking for Fintech Growth? Here's How Affirm and SoFi Stack Up
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
AFRM
Published: June 27, 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.

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image for news Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
Is Affirm Holdings (AFRM) a Buy as Wall Street Analysts Look Optimistic?
AFRM
Published: June 26, 2025 by: Zacks Investment Research
Sentiment: Neutral

The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price.

Read More
image for news Is Affirm Holdings (AFRM) a Buy as Wall Street Analysts Look Optimistic?
Will Affirm's Auto Move With Shopmonkey Fuel More Repeat Users?
AFRM
Published: June 26, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM partners with Shopmonkey to bring pay-over-time options to auto repairs, targeting repeat users and steady spending.

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image for news Will Affirm's Auto Move With Shopmonkey Fuel More Repeat Users?
Xsolla and Affirm partner to help game developers offer players a smarter, more flexible way to pay
AFRM
Published: June 26, 2025 by: Business Wire
Sentiment: Neutral

LOS ANGELES--(BUSINESS WIRE)--Xsolla, a global leader in video game commerce, today announced a new partnership with Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth. Through this partnership, Affirm's transparent and flexible payment options are now available to game developers using Xsolla's payments tools in the U.S., with plans to expand to Canada and the UK in the coming months. Xsolla powers checkouts for thousands of game developers, and.

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image for news Xsolla and Affirm partner to help game developers offer players a smarter, more flexible way to pay
Can Strategic Funding Deals Keep Affirm Ahead in the BNPL Space?
AFRM
Published: June 25, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM extends its key funding deal with MSC through 2027, reinforcing growth and stability in the BNPL market.

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image for news Can Strategic Funding Deals Keep Affirm Ahead in the BNPL Space?
Shopmonkey selects Affirm to bring flexible and transparent payment options to auto shops
AFRM
Published: June 25, 2025 by: Business Wire
Sentiment: Neutral

SAN FRANCISCO--(BUSINESS WIRE)--Shopmonkey, the cloud-based auto shop management platform, announced today that it has selected Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, as one of its pay-over-time providers. Affirm is now a default payment method for auto shops using Shopmonkey's payment processing solution, enabling them to offer flexible and transparent financing options to eligible customers. Thousands of auto shops – the majority o.

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image for news Shopmonkey selects Affirm to bring flexible and transparent payment options to auto shops
Will PGIM's $3B Facility Help Affirm Scale its BNPL Offerings Fast?
AFRM
Published: June 19, 2025 by: Zacks Investment Research
Sentiment: Neutral

AFRM's pass-through loan facility from PGIM can boost its BNPL growth while reducing funding risks and costs.

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image for news Will PGIM's $3B Facility Help Affirm Scale its BNPL Offerings Fast?
Affirm Raises Fiscal 2025 Guidance: A Signal for Sustainable Growth?
AFRM
Published: June 18, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM lifts fiscal 2025 guidance after strong Q3 results, with GMV and repeat customers driving revenue and margin growth.

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image for news Affirm Raises Fiscal 2025 Guidance: A Signal for Sustainable Growth?
Affirm Competitor Profile Report 2025: Explore Affirm's Journey As a Leading Buy Now, Pay Later Pioneer with 21M Users and 337K Merchant Partners
AFRM
Published: June 16, 2025 by: GlobeNewsWire
Sentiment: Neutral

Discover its product innovations, like "Pay in 2" and "Pay in 30," strategic acquisitions, and global market expansions. Understand its competitive positioning, financial highlights, and more. Discover its product innovations, like "Pay in 2" and "Pay in 30," strategic acquisitions, and global market expansions. Understand its competitive positioning, financial highlights, and more.

Read More
image for news Affirm Competitor Profile Report 2025: Explore Affirm's Journey As a Leading Buy Now, Pay Later Pioneer with 21M Users and 337K Merchant Partners
Affirm's Active Merchants Rise: A Strategic Advantage in BNPL Space?
AFRM
Published: June 12, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's merchant count hits 358K with strong GMV growth and global expansion fueling its BNPL momentum.

Read More
image for news Affirm's Active Merchants Rise: A Strategic Advantage in BNPL Space?
Brokers Suggest Investing in Affirm Holdings (AFRM): Read This Before Placing a Bet
AFRM
Published: June 10, 2025 by: Zacks Investment Research
Sentiment: Negative

The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price.

Read More
image for news Brokers Suggest Investing in Affirm Holdings (AFRM): Read This Before Placing a Bet
Affirm Expands Global Footprint: Will It Deliver Sustainable Growth?
AFRM
Published: June 06, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM pushes into Canada and the U.K. with new partnerships, aiming to drive global BNPL growth and expand its user base.

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image for news Affirm Expands Global Footprint: Will It Deliver Sustainable Growth?
Is Affirm Stock Buy Now, Profit Later or Buy Now, Pay Later?
AFRM
Published: June 06, 2025 by: MarketBeat
Sentiment: Positive

The "Buy Now, Pay Later" (BNPL) wave continues to reshape how consumers approach purchases, and Affirm Holdings NASDAQ: AFRM is a significant force within this transformation. Offering flexible payment solutions, Affirm recently reported a noteworthy financial milestone, marking a return to profitability with a quarterly GAAP net income.

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image for news Is Affirm Stock Buy Now, Profit Later or Buy Now, Pay Later?
Affirm Holdings, Inc. (AFRM) Presents at Annual William Blair Growth Stock Conference Transcript
AFRM
Published: June 05, 2025 by: Seeking Alpha
Sentiment: Neutral

Affirm Holdings, Inc. (NASDAQ:AFRM ) Annual William Blair Growth Stock Conference June 5, 2025 ET Company Participants Michael A. Linford - Chief Operating Officer Conference Call Participants Andrew William Jeffrey - William Blair & Company L.L.C.

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image for news Affirm Holdings, Inc. (AFRM) Presents at Annual William Blair Growth Stock Conference Transcript
Affirm Holdings: Get In Before Profits Start To Surge
AFRM
Published: June 05, 2025 by: Seeking Alpha
Sentiment: Positive

Affirm's rapid growth in Gross Merchandise Volume and Affirm Card adoption underpins my 'buy' rating, with nearly 2 million active card users and strong sales momentum. Profitability is accelerating: adjusted operating profit up 120% YoY and margins expanding, with Affirm on the verge of GAAP profitability. Affirm stands out among fintech peers for its exceptional projected profit growth and exposure to the expanding buy now, pay later, and eCommerce markets.

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image for news Affirm Holdings: Get In Before Profits Start To Surge
Affirm Stock Moves Above 200-Day SMA: Time to Buy the Bounce?
AFRM
Published: June 05, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM rises above its 200-day SMA as product growth, loyal users and global expansion boost investor interest.

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image for news Affirm Stock Moves Above 200-Day SMA: Time to Buy the Bounce?
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
AFRM
Published: June 03, 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
image for news Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
KAYAK and Affirm expand exclusive partnership into Canada
AFRM
Published: May 22, 2025 by: Business Wire
Sentiment: Neutral

TORONTO--(BUSINESS WIRE)--Just in time for the busy summer travel season, KAYAK, the world's leading travel search engine, and Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced the expansion of their exclusive partnership into Canada. This builds on the companies' successful collaboration in the U.S., which has empowered consumers to plan and pay over time for their travels since January 2023. By selecting Affirm at checkout on.

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image for news KAYAK and Affirm expand exclusive partnership into Canada
Affirm Partners With Cali Pass to Expand in a High-Spending Segment
AFRM
Published: May 21, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM joins forces with Cali Pass, which allows skiers to split costs with flexible and transparent payment options for passes and lift tickets.

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image for news Affirm Partners With Cali Pass to Expand in a High-Spending Segment
Mastercard vs. Affirm: Which Payments Stock Has More Room to Run?
AFRM, MA
Published: May 19, 2025 by: Zacks Investment Research
Sentiment: Positive

Both Mastercard and Affirm beat earnings estimates in each of the past four quarters while enjoying growing transaction volumes.

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image for news Mastercard vs. Affirm: Which Payments Stock Has More Room to Run?
Which Fintech Stock Should You be Targeting?
AFRM, DLO, HOOD, LC
Published: May 15, 2025 by: Schaeffers Research
Sentiment: Positive

Lesser-known Uruguayan fintech stock dLocal Ltd (NASDAQ:DLO) is one of the best stocks on Wall Street today, last seen up 13.4% to trade at $11.59.

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image for news Which Fintech Stock Should You be Targeting?

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.