Affirm Holdings, Inc. (AFRM)
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- symbol AFRM
- Rev/Share 10.4751
- Book/Share 9.9894
- PB 6.2056
- Debt/Equity 2.4124
- CurrentRatio 14.6124
- ROIC 0.0092
- MktCap 20461264882.0
- FreeCF/Share 2.3293
- PFCF 26.6003
- PE 87.8219
- Debt/Assets 0.6933
- DivYield 0
- ROE 0.0775
- Rating C
- Score 2
- Recommendation 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 |
|---|---|---|---|---|---|---|---|
| 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 |
| Downgrade | AFRM | BTIG Research | Buy | Neutral | -- | -- | July 14, 2025 |
News
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.
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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.
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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.
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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.
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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.
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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.
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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.
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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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Can Affirm's Low-Ticket Purchases Outgrow Its Big-Ticket Categories?
Published: December 02, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM shifts focus to everyday low-ticket purchases, boosting transactions, loyalty and platform growth beyond big-ticket items.
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Buy Now, Pay Later Companies Asked to Share Lending Practices
Published: December 01, 2025 by: WSJ
Sentiment: Negative
Attorneys general from seven states are launching an inquiry into buy now, pay later lenders including Affirm, Klarna and PayPal.
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Mastercard's Stability Vs. Affirm's Velocity: Which Has More Upside?
Published: November 27, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM's BNPL-driven surge puts it ahead, while MA's global scale reach keeps it firmly in the race as flexible credit rapidly reshapes spending.
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Affirm is Winning Transactions, But the Price Tag Bites Hard
Published: November 26, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM's soaring transactions and expanding ecosystem fuel investor excitement, but its rich valuation and rising risks test the rally's durability.
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New survey finds Canadians believe credit card fine print is more confusing than taxes, medication labels, and furniture manuals
Published: November 25, 2025 by: Business Wire
Sentiment: Neutral
TORONTO--(BUSINESS WIRE)--Credit cards may be one of the most common ways Canadians pay for everyday expenses, but new research from Affirm (NASDAQ: AFRM) shows the terms and conditions behind them are among some of the most confusing everyday documents Canadians encounter. According to a national survey of 1,501 Canadians, only 41% ranked credit card terms and conditions among the top three easiest documents to understand, compared to 72% for medication labels, 69% for furniture assembly manua.
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Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock
Published: November 24, 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
About Affirm Holdings, Inc. (AFRM)
- IPO Date 2021-01-13
- Website https://www.affirm.com
- Industry Software - Infrastructure
- CEO Max Roth Levchin
- Employees 2006