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 5.9628
  • Debt/Equity 2.5595
  • CurrentRatio 63.0923
  • ROIC -0.0085

 

  • MktCap 17065538836.0
  • FreeCF/Share 1.8784
  • PFCF 28.0356
  • PE -275.6288
  • 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 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
Upgrade AFRM Compass Point Neutral Buy $61 $64 March 19, 2025
Upgrade AFRM Compass Point Sell Neutral $20 $61 Jan. 28, 2025
Downgrade AFRM Susquehanna Positive Neutral -- $57 Jan. 21, 2025
Initiation AFRM William Blair -- Outperform -- -- Jan. 15, 2025
Upgrade AFRM JMP Securities Market Perform Mkt Outperform -- $78 Dec. 20, 2024

News

Affirm Expands Credit Reporting with Experian to Include All Pay-Over-Time Products
AFRM
Published: March 19, 2025 by: Business Wire
Sentiment: Neutral

SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced it is expanding its credit reporting to Experian® to include all of Affirm's pay-over-time products beginning April 1, 2025. By furnishing information about all of its pay-over-time transactions to Experian, Affirm is helping to drive greater transparency and responsible lending. The industry-leading move will enable consumers and le.

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image for news Affirm Expands Credit Reporting with Experian to Include All Pay-Over-Time Products
How Walmart- Klarna Deal Impacts Affirm? Goldman Sachs Analyst Weighs In
AFRM, KLAR, WMT
Published: March 18, 2025 by: Benzinga
Sentiment: Negative

Financial services provider for shoppers and merchants, Affirm Holdings Inc AFRM competitor Klarna announced a partnership with OnePay to offer installment loans at Walmart Inc WMT.

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image for news How Walmart- Klarna Deal Impacts Affirm? Goldman Sachs Analyst Weighs In
Affirm Holdings, Inc. (AFRM) Affirm CFO Fireside Chat (Transcript)
AFRM
Published: March 18, 2025 by: Seeking Alpha
Sentiment: Neutral

Affirm Holdings, Inc. (NASDAQ:AFRM ) Affirm CFO Fireside Chat March 18, 2025 10:00 AM ET Company Participants Rob O'Hare - CFO Conference Call Participants Katie Perry - Stocktwits Katie Perry Today's investors aren't just buying and holding stocks. They are in the comments on X, Reddit, YouTube and Stocktwits, they're talking about the companies they believe in.

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image for news Affirm Holdings, Inc. (AFRM) Affirm CFO Fireside Chat (Transcript)
Klarna Replaces Affirm as Walmart BNPL Partner in the U.S.
AFRM
Published: March 18, 2025 by: Zacks Investment Research
Sentiment: Neutral

AFRM emphasizes that its BNPL services remain available through direct-to-consumer channels, including the Affirm Card.

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image for news Klarna Replaces Affirm as Walmart BNPL Partner in the U.S.
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It
AFRM
Published: March 17, 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
Fintech Battle: Klarna Grabs Big Affirm Customer Ahead Of IPO
AFRM
Published: March 17, 2025 by: Investors Business Daily
Sentiment: Negative

Affirm stock fell after rival buy now, pay later firm Klarna grabbed retailer Walmart as a customer. Klarna has filed for an IPO.

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image for news Fintech Battle: Klarna Grabs Big Affirm Customer Ahead Of IPO
Affirm Partners With StockX to Offer Flexible Payments to U.S. Shoppers
AFRM
Published: March 11, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM provides StockX shoppers access to flexible payment plans in a bid to expand its merchant partner network.

Read More
image for news Affirm Partners With StockX to Offer Flexible Payments to U.S. Shoppers
Affirm Launches BNPL Partnership With Resale Marketplace StockX
AFRM
Published: March 10, 2025 by: PYMNTS
Sentiment: Positive

Buy now, pay later (BNPL) provider Affirm has teamed with resale marketplace StockX. The collaboration, announced Monday (March 10), lets eligible StockX shoppers in the U.S. access Affirm's payment plans when purchasing products from brands such as adidas, Supreme and Gucci.

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image for news Affirm Launches BNPL Partnership With Resale Marketplace StockX
How to Play Affirm Stock After the Morgan Stanley TMT Conference?
AFRM
Published: March 05, 2025 by: Zacks Investment Research
Sentiment: Positive

AFRM is evolving beyond BNPL, with international expansion, product innovation, and a focus on profitability, positioning it for long-term growth.

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image for news How to Play Affirm Stock After the Morgan Stanley TMT Conference?
Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
AFRM
Published: March 04, 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 Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know
5 Must-Buy Momentum Stocks for March After a Disappointing February
AFRM, APP, CVNA, HOOD, SFM
Published: March 03, 2025 by: Zacks Investment Research
Sentiment: Positive

Top five momentum picks for March are: AFRM, APP, SFM, HOOD, CVNA.

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image for news 5 Must-Buy Momentum Stocks for March After a Disappointing February
Affirm's Partnership With Stitch Fix is Crucial: Here's Why
AFRM
Published: February 28, 2025 by: Zacks Investment Research
Sentiment: Neutral

The partnership adds Stitch Fix to AFRM's global network of more than 337,000 merchants.

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image for news Affirm's Partnership With Stitch Fix is Crucial: Here's Why
Affirm Teams With Stitch Fix As Fashion Sales Climb 20%
AFRM, SFIX
Published: February 27, 2025 by: PYMNTS
Sentiment: Positive

Affirm has launched a partnership with online personal styling service Stitch Fix. The buy now, pay later (BNPL) provider announced the collaboration Thursday (Feb. 27), noting that it comes as consumers increasingly use its service to buy from fashion brands.

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image for news Affirm Teams With Stitch Fix As Fashion Sales Climb 20%
Top 4 Mobile Payments Stocks to Add to Your Portfolio Now
AFRM, AXP, PYPL, V
Published: February 25, 2025 by: Zacks Investment Research
Sentiment: Positive

For investors, leading mobile payment companies like AFRM, V, AXP and PYPL present compelling opportunities, given their commitment to innovation and market expansion.

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image for news Top 4 Mobile Payments Stocks to Add to Your Portfolio Now
Buy 5 Business Services Stocks as U.S. CEO Confidence Hits 3-Year High
AFRM, APP, CTAS, PLTR, V
Published: February 21, 2025 by: Zacks Investment Research
Sentiment: Positive

Five business services stocks have strong growth potential for 2025 and 2026. These are: AFRM, V, PLTR, APP, CTAS.

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image for news Buy 5 Business Services Stocks as U.S. CEO Confidence Hits 3-Year High
3 Growth Stocks That Could Go Even Higher in 2025 and Beyond
AFRM, NOW, TOST
Published: February 21, 2025 by: The Motley Fool
Sentiment: Positive

Many high-growth stocks rallied over the past year in expectation of lower interest rates, boosting their stock prices and their valuations in the process. But because of those gains, some investors might be wary of chasing those highfliers now, especially as the real potential for new tariffs and trade conflicts threaten to end the current bull market (which started in October 2022).

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image for news 3 Growth Stocks That Could Go Even Higher in 2025 and Beyond
Affirm Hits Profitability—Here's What Investors Should Watch
AFRM
Published: February 19, 2025 by: MarketBeat
Sentiment: Positive

The "No Buy” trend of 2025 making waves on social media encourages being frugal while not succumbing to high-interest credit cards. This trend is favorable for buy now, pay later (BNPL) services like Affirm Holdings Inc. NASDAQ: AFRM.

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image for news Affirm Hits Profitability—Here's What Investors Should Watch
NCLA Asks the Supreme Court to Affirm President's Absolute Power to Fire Executive Branch Officials
AFRM
Published: February 18, 2025 by: GlobeNewsWire
Sentiment: Neutral

Scott Bessent, Secretary of the Treasury, et al. v. Hampton Dellinger Scott Bessent, Secretary of the Treasury, et al. v. Hampton Dellinger

Read More
image for news NCLA Asks the Supreme Court to Affirm President's Absolute Power to Fire Executive Branch Officials
Upstart and Affirm Rally, BILL Plummets on Earnings as FinTech IPO Index Adds 2.4%
AFRM, BILL, UPST
Published: February 14, 2025 by: PYMNTS
Sentiment: Positive

The past five days of stock market trading have been whipsawed by the latest inflation report, speculation over whether or not the Fed will stand pat on interest rates, and of course, the continuing inflow of earnings reports, though the pace of those quarterly disclosures is slowing a bit.

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image for news Upstart and Affirm Rally, BILL Plummets on Earnings as FinTech IPO Index Adds 2.4%
Should You Buy Affirm While It's Below $85?
AFRM
Published: February 12, 2025 by: The Motley Fool
Sentiment: Positive

The credit card industry is under attack. Buy Now, Pay Later is proving popular among young spenders, led by companies like Affirm (AFRM 0.35%), who recently wowed Wall Street with stellar earnings for its most recent quarter (ending December 31, 2024).

Read More
image for news Should You Buy Affirm While It's Below $85?
The Zacks Analyst Blog Visa, PayPal, American Express, Affirm and Fidelity National Information Services
AFRM, AXP, FIS, PYPL, V
Published: February 12, 2025 by: Zacks Investment Research
Sentiment: Neutral

Visa, PayPal, American Express, Affirm and Fidelity National Information Services are included in this Analyst Blog.

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image for news The Zacks Analyst Blog Visa, PayPal, American Express, Affirm and Fidelity National Information Services
Affirm Holdings (AFRM) Is Up 23.17% in One Week: What You Should Know
AFRM
Published: February 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Does Affirm Holdings (AFRM) have what it takes to be a top stock pick for momentum investors? Let's find out.

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image for news Affirm Holdings (AFRM) Is Up 23.17% in One Week: What You Should Know
Affirm: Bullish Tilt Despite Recent Strong Run
AFRM
Published: February 10, 2025 by: Seeking Alpha
Sentiment: Positive

Affirm reported strong Q2 results, with 47% YoY revenue growth and a GAAP EPS of $0.23, significantly above expectations, demonstrating profitability and market leadership. Despite a premium valuation, Affirm's exceptional execution, market-leading growth, and profitability support a bullish outlook, though valuation concerns temper enthusiasm slightly. Key risks include intense competition, potential credit quality downturns, and the high premium valuation.

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image for news Affirm: Bullish Tilt Despite Recent Strong Run
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know
AFRM
Published: February 10, 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 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 Mr. 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.