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Affirm Holdings (AFRM)
NASDAQ:AFRM
AFRM Stock Chart & Stats
$74.76
-$1.68(-2.74%)
At close: 4:00 PM EST
$74.76
-$1.68(-2.74%)
Day’s Range― - ―
52-Week Range$30.90 - $100.00
Previous CloseN/A
Volume1.79M
Average Volume (3M)4.58M
Market Cap
$24.68B
Enterprise Value$30.66B
Total Cash (Recent Filing)$1.48B
Total Debt (Recent Filing)$7.96B
Price to Earnings (P/E)109.0
Beta2.49
Next Earnings
Feb 05, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.23
Shares Outstanding289,362,760
10 Day Avg. Volume5,571,723
30 Day Avg. Volume4,583,713
Financial Highlights & Ratios
PEG Ratio-3.90
Price to Book (P/B)7.27
Price to Sales (P/S)6.92
P/FCF Ratio37.10
Enterprise Value/Market Cap1.24
Enterprise Value/Revenue8.86
Enterprise Value/Gross Profit13.11
Enterprise Value/Ebitda33.41
Forecast
1Y Price Target
$95.50Price Target Upside27.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering18
EPS Forecast (FY)0.98
Revenue Forecast (FY)$4.06B
Bulls Say, Bears Say
Bulls Say
Card Adoption And Addressable SpendRapid growth in the company card and still‑low card penetration point to a large runway to expand consumer spend through higher card adoption and increased revenue per customer.
Funding Capacity And Strategic PartnershipsDiverse funding sources and recent on‑ and off‑balance financing transactions, plus an extended merchant partnership, enhance origination capacity and create optionality for future capital returns such as buybacks.
Gross Merchandise Volume (GMV) OutlookCFO disclosure that third‑party trackers materially undercounted transactions supports upward GMV revisions and signals stronger core transaction growth than external datasets suggested.
Bears Say
Early‑stage Delinquencies And Credit RiskElevated early‑stage delinquency trends in the newest loan vintages increase the risk of higher provisions and could pressure net margins if credit stress persists.
Revenue Mix And Average Order Value PressureA shift toward lower‑ticket categories and declining average order value can reduce revenue per transaction and limit upside from GMV growth unless mix improves.
Third‑party Data Reliability And VisibilitySignificant tracking errors in external data providers reduce visibility into true performance, raising the potential for volatile stock moves when internal metrics diverge from public datasets.
Affirm Holdings News
AFRM FAQ
What was Affirm Holdings’s price range in the past 12 months?
Affirm Holdings lowest stock price was $30.90 and its highest was $100.00 in the past 12 months.
What is Affirm Holdings’s market cap?
Affirm Holdings’s market cap is $24.68B.
When is Affirm Holdings’s upcoming earnings report date?
Affirm Holdings’s upcoming earnings report date is Feb 05, 2026 which is in 17 days.
How were Affirm Holdings’s earnings last quarter?
Affirm Holdings released its earnings results on Nov 06, 2025. The company reported $0.23 earnings per share for the quarter, beating the consensus estimate of $0.112 by $0.118.
Is Affirm Holdings overvalued?
According to Wall Street analysts Affirm Holdings’s price is currently Undervalued.
Does Affirm Holdings pay dividends?
Affirm Holdings does not currently pay dividends.
What is Affirm Holdings’s EPS estimate?
Affirm Holdings’s EPS estimate is 0.27.
How many shares outstanding does Affirm Holdings have?
Affirm Holdings has 289,362,760 shares outstanding.
What happened to Affirm Holdings’s price movement after its last earnings report?
Affirm Holdings reported an EPS of $0.23 in its last earnings report, beating expectations of $0.112. Following the earnings report the stock price went up 11.613%.
Which hedge fund is a major shareholder of Affirm Holdings?
Currently, no hedge funds are holding shares in AFRM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Affirm Holdings Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$95.50 (27.74% Upside)
$95.50 (27.74% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 83%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 2.5M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days <0.1%
Last 30 Days ▼ 1.9%
Last 30 Days ▼ 1.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.89%
12-Months-Change
Fundamentals
Return on Equity
7.60%
Trailing 12-Months
Asset Growth
13.21%
Trailing 12-Months
Company Description
Affirm Holdings
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.
AFRM Company Deck
AFRM Earnings Call
Q1 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call highlighted Affirm's significant achievements, including a long-term extension with Amazon, successful ABS market execution, and increased growth in 0% monthly installment loans and Affirm Card members. While the RLTC was slightly above target, the overall performance and strategic advancements suggest a strong position in the market.View all AFRM earnings summariesAFRM Stock 12 Month Forecast
Average Price Target
$95.50
▲(27.74% Upside)
Technical Analysis
Ownership Overview
0.99% Insiders
32.44% Mutual Funds
0.02% Other Institutional Investors
53.67% Public Companies and Individual Investors