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
Wall Street Bulls Look Optimistic About Affirm Holdings (AFRM): Should You Buy?
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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Affirm: Profitable Growth Story Gaining Speed
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.
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Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
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
3 Fintech Stocks That Are Set to Rise as Rates Fall
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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Affirm Teams Up With Ace Hardware to Expand Flexible In-Store Payments
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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Down 17%, What's Next For Affirm Stock?
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.
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Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now
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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Why Affirm Could Be the Next Big Winner in Rate-Cut Rally
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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Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock
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.
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Buy AFRM Stock or Paymentus?
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.
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Affirm Expands BNPL Reach With ServiceTitan & Vagaro Partnerships
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.
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Affirm vs. Block: Which Fintech Stock Has More Growth Potential?
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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Affirm Unveils In-Store Pay Later Option Through Apple Pay
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.
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Affirm live for in-store purchases with Apple Pay on iPhone
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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Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
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
Affirm Holdings, Inc. (AFRM) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript
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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Fight Now, Pay Later: Will Klarna's IPO Turn Up the Heat On Affirm?
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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Affirm's Tech Moat: Is Real-Time Underwriting the Differentiator?
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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AFRM Jumps on Q4 Results Before Klarna Crashes the Party: Buy or Bail?
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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Affirm's 0% APR Loans Play: Smart Growth Driver or Profitability Risk?
Published: September 03, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM bets big on 0% APR loans, fueling surging consumer use and sales, but raising questions over margin pressures.
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Affirm's Inflection Proved BNPL Bears Wrong - Dip Buying Opportunity Ahead
Published: September 03, 2025 by: Seeking Alpha
Sentiment: Positive
The growing adoption of AFRM's BNPL offerings across different merchants, consumers, & funding partners have triggered a consistently improving operating scale. The same has been observed in the fintech's robust top/ bottom-line performances in FQ4'25 and the management's promising FY2026 guidance. Much of the tailwinds are naturally attributed to the promising cross selling trends from its basic BNPL offerings to Affirm Card and 0% APR monthly promo.
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Sell AFRM Stock At $85?
Published: September 02, 2025 by: Forbes
Sentiment: Negative
After a strong 40% year-to-date surge, including a recent boost from a positive earnings report, investors might be wondering if Affirm Holdings stock (NASDAQ: AFRM), a financial technology company that offers services, such as buy now, pay later, and point-of-sale payment solutions, is still a good buy. At its current price of around $85, the stock appears to be relatively expensive, making it a pricey option for new investors.
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Can Affirm Card Be the Next Evolution of Consumer Payments?
Published: September 01, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM's card blends debit and credit features, fueling surging user growth and record transaction volume.
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Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
Published: September 01, 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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Affirm Q4 Earnings Beat Estimates on Increasing Transaction Volumes
Published: August 29, 2025 by: Zacks Investment Research
Sentiment: Positive
AFRM's Q4 EPS and revenues top estimates as GMV, repeat transactions and card network revenues surge.
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Affirm stock surges 15% as CEO Levchin notes continued consumer strength
Published: August 29, 2025 by: CNBC
Sentiment: Positive
Affirm stock popped after the buy now, pay later firm beat Wall Street's expectations in its fiscal fourth-quarter results Earnings of 20 cents a share nearly doubled analyst forecasts, with revenue up 33% to $876 million.
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Affirm Stock Soars as BNPL Firm's Fiscal Q4 Results Easily Top Estimates
Published: August 29, 2025 by: Investopedia
Sentiment: Positive
Affirm (AFRM) swung to a quarterly profit with better-than-estimated results, as the buy now, pay later (BNPL) provider posted surging gross merchandise volume.
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Affirm Reports Earnings Today. What Investors Should Expect From the Fintech.
Published: August 28, 2025 by: Barrons
Sentiment: Neutral
The provider of buy-now, pay-later services said in May that tariffs would barely impact future results.
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BNPL Faceoff, Affirm vs. PayPal: Who's Really Checking Out Stronger?
Published: August 28, 2025 by: Zacks Investment Research
Sentiment: Neutral
PYPL's scale, cash flow and rising margins give it an edge over AFRM's high-growth but high-debt BNPL play.
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Affirm Holdings: Sell AFRM Stock Now?
Published: August 26, 2025 by: Forbes
Sentiment: Negative
Affirm Holdings (NASDAQ: AFRM), a fintech company offering buy now, pay later services and point-of-sale payment solutions, is set to announce its earnings on Thursday, August 28, 2025. Historically, Affirm's stock has frequently dropped after earnings releases.
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About Affirm Holdings, Inc. (AFRM)
- IPO Date 2021-01-13
- Website https://www.affirm.com
- Industry Software - Infrastructure
- CEO Max Roth Levchin
- Employees 2006