Affirm Holdings (AFRM)
NASDAQ:AFRM
AFRM Stock Chart & Stats
$48.53
-$1.68(-2.74%)
At close: 4:00 PM EST
$48.53
-$1.68(-2.74%)
Day’s Range― - ―
52-Week Range$38.33 - $100.00
Previous CloseN/A
Volume1.79M
Average Volume (3M)5.28M
Market Cap
$16.17B
Enterprise Value$23.82B
Total Cash (Recent Filing)$2.25B
Total Debt (Recent Filing)$9.18B
Price to Earnings (P/E)48.0
Beta2.44
Next Earnings
May 07, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.37
Shares Outstanding292,409,880
10 Day Avg. Volume3,978,237
30 Day Avg. Volume5,284,635
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 Cap1.47
Enterprise Value/Revenue6.41
Enterprise Value/Gross Profit9.47
Enterprise Value/Ebitda23.99
Forecast
1Y Price Target
$82.16Price Target Upside69.30% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering21
EPS Forecast (FY)1.07
Revenue Forecast (FY)$4.13B
Bulls Say, Bears Say
Bulls Say
Credit QualityImproving early-stage delinquencies and the similar performance of new loan vintages support lower credit risk and greater portfolio stability, according to analyst observations.
Funding And SecuritizationStrong funding conditions and investor demand have enabled access to attractive securitization terms, improving liquidity and reducing funding costs for expansion.
Promotions And PartnershipsMore frequent zero‑interest promotions and deeper integrations with major card processors and service software vendors could accelerate card adoption and unlock higher‑ticket service categories.
Bears Say
Cost Pressure And Margin VolatilityHigher-than-expected operating expenses and loan-related margin variability from timing effects like day-one provisioning may pressure profitability and cause earnings volatility.
Merchant Concentration And Growth OutlookVolume transitions by a large merchant combined with tougher comparisons are expected to contribute to gross merchandise volume deceleration and constrain growth visibility.
Underwriting QualityA cohort of loans underwritten poorly has produced elevated late-stage delinquencies, which could increase losses even if reserves absorb immediate profit-and-loss impact.
Affirm Holdings News
AFRM FAQ
What was Affirm Holdings’s price range in the past 12 months?
Affirm Holdings lowest stock price was $38.33 and its highest was $100.00 in the past 12 months.
What is Affirm Holdings’s market cap?
Affirm Holdings’s market cap is $16.17B.
When is Affirm Holdings’s upcoming earnings report date?
Affirm Holdings’s upcoming earnings report date is May 07, 2026 which is in 25 days.
How were Affirm Holdings’s earnings last quarter?
Affirm Holdings 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 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 0.17.
How many shares outstanding does Affirm Holdings have?
Affirm Holdings has 292,409,880 shares outstanding.
What happened to Affirm Holdings’s price movement after its last earnings report?
Affirm Holdings 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?
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
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Analyst Consensus
Strong Buy
Average Price Target:
$82.16 (69.30% Upside)
$82.16 (69.30% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 81%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 5.4M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.7%
Last 30 Days ▼ 1.1%
Last 30 Days ▼ 1.1%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Negative
20 days / 200 days
Momentum
19.12%
12-Months-Change
Fundamentals
Return on Equity
8.83%
Trailing 12-Months
Asset Growth
23.62%
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
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
$82.16
▲(69.30% Upside)
Technical Analysis
Ownership Overview
0.99% Insiders
33.16% Mutual Funds
32.26% Other Institutional Investors
21.00% Public Companies and Individual Investors