Affirm Holdings, Inc. (AFRM)

US — Technology Sector
Peers: TOST  VRSN  CYBR  IOT  GRAB  CHKP  CPAY  MDB  PTC  FFIV 

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Key Metrics & Ratings

  • symbol AFRM
  • Rev/Share 9.8634
  • Book/Share 9.388
  • PB 7.5591
  • Debt/Equity 2.5589
  • CurrentRatio 54.185
  • ROIC -0.0068

 

  • MktCap 22911824407.0
  • FreeCF/Share 1.8406
  • PFCF 38.0772
  • PE 444.5434
  • Debt/Assets 0.704
  • DivYield 0
  • ROE 0.018

 

  • Rating C
  • Score 2
  • Recommendation 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 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
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

News

Affirm Expands Wayfair Checkout Partnership, Integrating BNPL
AFRM, W
Published: October 22, 2025 by: PYMNTS
Sentiment: Positive

Affirm is extending its existing relationship with Wayfair, integrating its buy now, pay later (BNPL) option directly into the home goods retailer's checkout experience. The companies are expanding the partnership in advance of two busy sales periods: Wayfair's annual “Way Day” sales event, which runs Oct.

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image for news Affirm Expands Wayfair Checkout Partnership, Integrating BNPL
Affirm & Fanatics Team Up to Offer Flexible Payments for Sports Fans
AFRM
Published: October 20, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM joins forces with Fanatics to bring fans flexible, transparent payment options for sports gear and collectibles.

Read More
image for news Affirm & Fanatics Team Up to Offer Flexible Payments for Sports Fans
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
AFRM
Published: October 20, 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
Visa vs. Affirm: Can the BNPL Rebel Charge Past the Credit Card King?
AFRM, V
Published: October 17, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's data-driven BNPL surge and 55% stock jump challenge V's global dominance as payments enter a new era of digital disruption.

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image for news Visa vs. Affirm: Can the BNPL Rebel Charge Past the Credit Card King?
Clio introduces the next chapter in financial innovation for legal
AFRM
Published: October 17, 2025 by: PRNewsWire
Sentiment: Neutral

With Pay Later and Clio Capital now available in Clio Payments, law firms can offer clients more flexibility and unlock faster access to funds New capabilities like Pay Later with Affirm, and Clio Capital, a capital advance program, help remove financial friction for law firms and their clients Integrated financial services give firms faster access to revenue, predictable cash flow, and new opportunities for scale BOSTON , Oct. 17, 2025 /PRNewswire/ - Clio, the world's leading legal AI technology platform, today announced two major advances in its financial services offerings: Pay Later with Affirm (NASDAQ: AFRM), the payment network that …

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image for news Clio introduces the next chapter in financial innovation for legal
Affirm Expands BNPL Through New Partnerships with Fanatics and FreshBooks
AFRM
Published: October 16, 2025 by: PYMNTS
Sentiment: Positive

Affirm Holdings Inc. is broadening its footprint in the payments sector through two new partnerships, Fanatics and FreshBooks, aimed at deepening its presence among both consumers and small businesses. The San Francisco–based financial technology company announced Thursday (Oct.

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image for news Affirm Expands BNPL Through New Partnerships with Fanatics and FreshBooks
History Says Bulls May Want To Bet Big On Fintech Stock
AFRM
Published: October 15, 2025 by: Forbes
Sentiment: Positive

Fintech giant Affirm (AFRM) is clinging to its quarter-to-date breakeven level as it attempts to claw its way higher, last seen up 0.5% to trade at $73.28. While the round $70 level has been supportive in recent weeks, AFRM has been unable to break above the $80 ceiling.

Read More
image for news History Says Bulls May Want To Bet Big On Fintech Stock
Affirm Stock Jumps 76% in 6 Months: Buy Now, Thank Yourself Later?
AFRM
Published: October 14, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's 76% surge in six months reflects strong earnings momentum, extending partnerships and expanding global reach across BNPL and beyond.

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image for news Affirm Stock Jumps 76% in 6 Months: Buy Now, Thank Yourself Later?
Can Affirm & Google's AP2 Partnership Redefine Agent-Led Payments?
AFRM
Published: October 10, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM's deepened collaboration with Google on AP2 positions it to lead the evolution of secure, agent-led digital payments.

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image for news Can Affirm & Google's AP2 Partnership Redefine Agent-Led Payments?
Affirm: The Only Overvalued Stock I'm Buying
AFRM
Published: October 10, 2025 by: Seeking Alpha
Sentiment: Positive

Affirm Holdings, Inc. is rated a Buy due to strong growth, recent profitability, and strategic partnerships, notably with Google for agentic commerce integration. AFRM's metrics are impressive: 43% GMV growth, 24% increase in active users, and rising transaction frequency, with expanding in-store card adoption. Valuation is high but justified by operating leverage, new growth avenues, and a large addressable market; expect volatility and potential pullbacks.

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image for news Affirm: The Only Overvalued Stock I'm Buying
Affirm Supports Google's AP2 Protocol to Embed BNPL in Agentic Commerce
AFRM, GOOG, GOOGL
Published: October 09, 2025 by: PYMNTS
Sentiment: Positive

Buy now, pay later (BNPL) provider Affirm said Thursday (Oct. 9) that it supports Google's Agent Payments Protocol (AP2), an open, payment-agnostic protocol developed to support agent-led payments across platforms. Affirm's support of AP2 will help embed BNPL into agentic commerce, the company said in a press release.

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image for news Affirm Supports Google's AP2 Protocol to Embed BNPL in Agentic Commerce
Wall Street Bulls Look Optimistic About Affirm Holdings (AFRM): Should You Buy?
AFRM
Published: October 08, 2025 by: Zacks Investment Research
Sentiment: Positive

When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?

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image for news Wall Street Bulls Look Optimistic About Affirm Holdings (AFRM): Should You Buy?
Affirm: Profitable Growth Story Gaining Speed
AFRM
Published: October 07, 2025 by: Seeking Alpha
Sentiment: Positive

Affirm Holdings is rated a Buy with a $97 price target, reflecting 29% upside potential driven by strong BNPL market growth. AFRM delivered robust FQ4 2025 results, including 33% revenue growth, improved profitability, and a 43% increase in gross merchandise volume. Despite trading at a premium valuation, AFRM's exceptional revenue and cash flow growth justify its higher multiples compared to peers.

Read More
image for news Affirm: Profitable Growth Story Gaining Speed
Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
AFRM
Published: October 07, 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.

Read More
image for news Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
3 Fintech Stocks That Are Set to Rise as Rates Fall
AFRM, RKT, UPST
Published: October 06, 2025 by: MarketBeat
Sentiment: Positive

Shares of Upstart Holdings Inc. NASDAQ: UPST, Affirm Holdings Inc. NASDAQ: AFRM, and Rocket Companies Inc. NYSE: RKT are under tremendous upside pressure right now. Each company has a strong individual value proposition, and some are already beginning to show in price action that hints at a potential bull run.

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image for news 3 Fintech Stocks That Are Set to Rise as Rates Fall
Affirm Teams Up With Ace Hardware to Expand Flexible In-Store Payments
AFRM
Published: October 03, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM expands into Ace Hardware stores, offering buy now, pay later options that boost shopper flexibility and fuel its retail growth push.

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image for news Affirm Teams Up With Ace Hardware to Expand Flexible In-Store Payments
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

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image for news AFRM Jumps on Q4 Results Before Klarna Crashes the Party: Buy or Bail?

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.