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AFRM Stock Chart & Stats
$64.50
-$1.68(-2.74%)
At close: 4:00 PM EST
$64.50
-$1.68(-2.74%)
Day’s Range― - ―
52-Week Range$42.10 - $100.00
Previous CloseN/A
Volume1.79M
Average Volume (3M)4.25M
Market Cap
$27.44B
Enterprise Value$30.13B
Total Cash (Recent Filing)$2.97B
Total Debt (Recent Filing)$8.91B
Price to Earnings (P/E)73.4
Beta2.69
Next Earnings
Aug 20, 2026EPS Estimate
0.35Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.15
Shares Outstanding294,357,800
10 Day Avg. Volume3,221,834
30 Day Avg. Volume4,253,546
Financial Highlights & Ratios
PEG Ratio-3.94
Price to Book (P/B)7.27
Price to Sales (P/S)6.92
P/FCF Ratio37.10
Enterprise Value/Market Cap1.10
Enterprise Value/Revenue7.59
Enterprise Value/Gross Profit11.20
Enterprise Value/Ebitda26.98
Forecast
1Y Price Target
$89.17Price Target Upside38.25% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering26
EPS Forecast (FY)1.8
Revenue Forecast (FY)$5.26B
Bulls Say, Bears Say
Bulls Say
Improved Cash Generation And ProfitabilityAffirm has moved from multi-year negative cash flow to sustained positive operating and free cash flow, with FCF representing ~78% of net income. Durable cash generation reduces reliance on external funding, funds product investment, supports underwriting reserves, and materially raises financial resilience over the medium term.
Expanding Merchant Network And Customer EngagementA 44% YoY rise in active merchants, rising transactions per active (>20%), and strong repeat usage create durable presentment and distribution advantages. These network effects increase GMV scale, diversify merchant exposure, and support higher lifetime customer value and cross-sell potential for Affirm Card and Pay‑in‑X products.
Improved Funding Markets And Liquidity FlexibilityLower funding costs (~125 bps improvement) and repeat, oversubscribed financing deals signal durable access to ABS and whole‑loan channels. Combined with an enlarged revolving facility, this improves margin sustainability, reduces refinancing risk, and gives management flexibility to hold or securitize loans strategically over the next several quarters.
Bears Say
TTM Revenue ContractionA nearly 14% TTM revenue decline raises questions about top‑line durability despite margin improvement. Persistent revenue weakness can limit operating leverage, slow merchant and card presentment growth, and make sustaining recent profitability harder if volume and engagement trends stall over the next several quarters.
Higher Mix Of Merchant-funded 0% Offers Lowers MarginsGrowth of merchant‑funded 0% Pay‑in‑X reduces blended RLTC margins versus interest‑bearing products. If 0% volume continues to climb materially, Affirm needs offsetting scale, lower credit costs, or higher attach rates on higher‑margin products to preserve unit economics long term, otherwise margin pressure may re-emerge.
Historical Leverage And Covenant ConstraintsAlthough leverage has materially improved recently, a history of high leverage plus credit‑facility covenants and subsidiary guarantees can constrain strategic flexibility. Covenants or trigger breaches in stress periods could accelerate obligations or limit capital returns and M&A capacity over the medium term.
Affirm Holdings News
AFRM FAQ
What was Affirm Holdings, Inc.’s price range in the past 12 months?
Affirm Holdings, Inc. lowest stock price was $42.09 and its highest was $100.00 in the past 12 months.
What is Affirm Holdings, Inc.’s market cap?
Affirm Holdings, Inc.’s market cap is $27.44B.
When is Affirm Holdings, Inc.’s upcoming earnings report date?
Affirm Holdings, Inc.’s upcoming earnings report date is Aug 20, 2026 which is in 36 days.
How were Affirm Holdings, Inc.’s earnings last quarter?
Affirm Holdings, Inc. released its earnings results on May 07, 2026. The company reported $0.3 earnings per share for the quarter, beating the consensus estimate of $0.17 by $0.13.
Is Affirm Holdings, Inc. overvalued?
According to Wall Street analysts Affirm Holdings, Inc.’s price is currently Undervalued.
Does Affirm Holdings, Inc. pay dividends?
Affirm Holdings, Inc. does not currently pay dividends.
What is Affirm Holdings, Inc.’s EPS estimate?
Affirm Holdings, Inc.’s EPS estimate is 0.35.
How many shares outstanding does Affirm Holdings, Inc. have?
Affirm Holdings, Inc. has 294,357,800 shares outstanding.
What happened to Affirm Holdings, Inc.’s price movement after its last earnings report?
Affirm Holdings, Inc. reported an EPS of $0.3 in its last earnings report, beating expectations of $0.17. Following the earnings report the stock price went down -4.973%.
Which hedge fund is a major shareholder of Affirm Holdings, Inc.?
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$89.17 (38.25% Upside)
$89.17 (38.25% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 93%
Sector Average 65%
Sector Average 65%
Hedge Fund Trend
Decreased
By 3.0M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▼ 0.2%
Last 30 Days ▼ 1.4%
Last 30 Days ▼ 1.4%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.85%
12-Months-Change
Fundamentals
Return on Equity
11.17%
Trailing 12-Months
Asset Growth
25.92%
Trailing 12-Months
Company Description
Affirm Holdings, Inc.
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.
AFRM Stock 12 Month Forecast
Average Price Target
$89.17
▲(38.25% Upside)
Technical Analysis
Ownership Overview
0.98% Insiders
33.84% Mutual Funds
0.21% Other Institutional Investors
50.46% Public Companies and Individual Investors