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Affirm Holdings, Inc. (AFRM)
NASDAQ:AFRM
AFRM Stock Chart & Stats
$57.03
-$1.68(-2.74%)
At close: 4:00 PM EST
$57.03
-$1.68(-2.74%)
Day’s Range― - ―
52-Week Range$30.90 - $100.00
Previous CloseN/A
Volume1.79M
Average Volume (3M)5.14M
Market Cap
$19.61B
Enterprise Value$18.42B
Total Cash (Recent Filing)$2.25B
Total Debt (Recent Filing)$1.13B
Price to Earnings (P/E)70.2
Beta2.52
Next Earnings
May 07, 2026EPS Estimate
0.18Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.37
Shares Outstanding289,362,760
10 Day Avg. Volume6,889,656
30 Day Avg. Volume5,140,058
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 Cap0.94
Enterprise Value/Revenue6.31
Enterprise Value/Gross Profit10.61
Enterprise Value/Ebitda23.32
Forecast
1Y Price Target
$88.78Price Target Upside55.67% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering22
EPS Forecast (FY)0.99
Revenue Forecast (FY)$4.06B
Bulls Say, Bears Say
Bulls Say
AI-driven Conversion And MarginsInternal AdaptAI and BoostAI tools are optimizing financing offers and improving checkout conversion, which can boost merchant sales and lift margins where deployed.
Card Adoption And PartnershipsManagement reports strong adoption of the card product and expanding merchant and payments-processor partnerships, which should drive higher transaction volume and broader customer acquisition.
Earnings And GuidanceAnalyst highlights a quarter that beat expectations alongside a raised guidance, supporting confidence in continued revenue growth and improving profitability.
Bears Say
Revenue Mix And Funding RiskA growing share of revenue from gains on loan sales and greater reliance on secondary-market financing raises sensitivity to loan yields and access to funding, creating potential volatility in results.
Rising Operating ExpensesOperating expenses increased faster than expected due to heavier investment in technology and data analytics, which could pressure near-term profitability despite revenue strength.
Valuation Multiple CompressionAnalyst lowered the price objective after trimming the valuation multiple to reflect broad fintech multiple compression, reducing the stock's upside potential.
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 $30.90 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 $19.61B.
When is Affirm Holdings, Inc.’s upcoming earnings report date?
Affirm Holdings, Inc.’s upcoming earnings report date is May 07, 2026 which is in 89 days.
How were Affirm Holdings, Inc.’s earnings last quarter?
Affirm Holdings, Inc. released its earnings results on Feb 05, 2026. The company reported $0.37 earnings per share for the quarter, beating the consensus estimate of $0.267 by $0.103.
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 0.18.
How many shares outstanding does Affirm Holdings, Inc. have?
Affirm Holdings, Inc. has 289,362,760 shares outstanding.
What happened to Affirm Holdings, Inc.’s price movement after its last earnings report?
Affirm Holdings, Inc. reported an EPS of $0.37 in its last earnings report, beating expectations of $0.267. Following the earnings report the stock price went down -4.408%.
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
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$88.78 (55.67% Upside)
$88.78 (55.67% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 2.5M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▲ 0.2%
Last 30 Days ▼ 6.8%
Last 30 Days ▼ 6.8%
News Sentiment
Bullish
Bullish news 79%
Bearish news 14%
Bearish news 14%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-7.64%
12-Months-Change
Fundamentals
Return on Equity
8.92%
Trailing 12-Months
Asset Growth
23.62%
Trailing 12-Months
Company Description
Affirm Holdings, Inc.
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong operational and financial positives: robust Q2 GMV growth, very strong Affirm Card adoption and GMV gains, meaningful merchant diversification (large 'other' bucket and wallet partnerships), improved funding execution with lower ABS costs, and early but promising AI-driven product wins (Boost AI). Credit performance and consumer health were described as stable. Balancing these positives, management provided guidance signaling a near-term slowdown in GMV growth (30% Q3, 25% Q4), disclosed variability driven by a large merchant transition, and noted longer‑term uncertainty around a bank charter and continued regulatory complexity. On balance, the positive growth, product momentum, diversified merchant base, and strong capital markets execution outweighed the headwinds and uncertainty discussed.View all AFRM earnings summariesAFRM Stock 12 Month Forecast
Average Price Target
$88.78
▲(55.67% Upside)
Technical Analysis
Ownership Overview
0.99% Insiders
32.44% Mutual Funds
0.02% Other Institutional Investors
53.67% Public Companies and Individual Investors