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 8.3963
  • Debt/Equity 2.5595
  • CurrentRatio 63.0923
  • ROIC -0.0085

 

  • MktCap 24032860064.0
  • FreeCF/Share 1.8784
  • PFCF 39.4816
  • PE -388.1207
  • 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 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'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
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.

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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.

Read More
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.

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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
Sezzle (SEZL) vs. Affirm Holdings (AFRM) : Which Buy-Now-Pay-Later Stock Is a Stronger Buy?
AFRM, SEZL
Published: August 01, 2025 by: 24/7 Wall Street
Sentiment: Positive

The buy-now-pay-later (BNPL) market has really been sizzling of late. Undoubtedly, American consumers have been feeling quite the pinch from inflation.

Read More
image for news Sezzle (SEZL) vs. Affirm Holdings (AFRM) : Which Buy-Now-Pay-Later Stock Is a Stronger Buy?
These 2 Computer and Technology Stocks Could Beat Earnings: Why They Should Be on Your Radar
ADI, AFRM
Published: July 31, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors looking for ways to find stocks that are set to beat quarterly earnings estimates should check out the Zacks Earnings ESP.

Read More
image for news These 2 Computer and Technology Stocks Could Beat Earnings: Why They Should Be on Your Radar
3 Momentum Anomaly Picks as Markets Hit Record High on the Trot
AFRM, HOOD, NFLX
Published: July 25, 2025 by: Zacks Investment Research
Sentiment: Positive

NFLX, HOOD and AFRM made the momentum cut with strong 1-year gains and brief pullbacks, flashing a potential entry point.

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image for news 3 Momentum Anomaly Picks as Markets Hit Record High on the Trot
Visa vs. Affirm: Old Guard or Fintech Fire - Who Wins the Payment War?
AFRM, V
Published: July 22, 2025 by: Zacks Investment Research
Sentiment: Positive

Visa Inc. V and Affirm Holdings, Inc. AFRM both are now operating at the forefront of the payments landscape, one as a decades-old card network with global scale, the other as a fast-growing fintech innovator in buy now, pay later (BNPL). Visa processes trillions in consumer and commercial payments each year, earning reliable fee-based revenues.

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image for news Visa vs. Affirm: Old Guard or Fintech Fire - Who Wins the Payment War?
How Vertical Integration Is Fueling Affirm's Profitability in BNPL
AFRM
Published: July 18, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM bets on vertical integration to cut costs, boost margins, and gain an edge in the challenging BNPL landscape.

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image for news How Vertical Integration Is Fueling Affirm's Profitability in BNPL
More Transactions, Less Interest: Can Affirm Still Win BNPL?
AFRM
Published: July 16, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's transactions surge 46% in the third quarter of fiscal 2025 as it leans into 0% APR loans, aiming to offset thinner margins with higher volume.

Read More
image for news More Transactions, Less Interest: Can Affirm Still Win BNPL?
GS Downgrade Ahead of Earnings, PYPL Upgrade & AFRM Downgrade
AFRM, PYPL
Published: July 14, 2025 by: Schwab Network
Sentiment: Negative

Goldman Sachs (GS) got a downgrade ahead of its earnings that will kick off earnings seasons alongside other big banks. There's a clash in the buy now, pay later space with PayPal (PYPL) getting an upgrade while Affirm (AFRM) got a downgrade.

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image for news GS Downgrade Ahead of Earnings, PYPL Upgrade & AFRM Downgrade
Fintech Stock Downgraded on Increased Competition
AFRM
Published: July 14, 2025 by: Schaeffers Research
Sentiment: Negative

Though shares of buy-now-pay-later name Affirm Holdings Inc (NASDAQ:AFRM) have pared some of their premarket losses, the equity remains down 1% at $64.06, after a downgrade from BTIG Research to "neutral" from "buy.

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image for news Fintech Stock Downgraded on Increased Competition
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.

Read More
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.

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

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.