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 7.7279
  • Debt/Equity 2.5595
  • CurrentRatio 63.0923
  • ROIC -0.0085

 

  • MktCap 22117453943.0
  • FreeCF/Share 1.8784
  • PFCF 36.335
  • PE -357.2232
  • 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

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.

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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.

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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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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%.

Read More
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.

Read More
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.

Read More
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
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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.

Read More
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?

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.