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AFRM Stock Chart & Stats
$70.23
$2.84(4.04%)
At close: 4:00 PM EDT
$70.23
$2.84(4.04%)
Day’s Range― - ―
52-Week Range$42.10 - $100.00
Previous CloseN/A
Volume237.90K
Average Volume (3M)4.09M
Market Cap
$23.95B
Enterprise Value$21.89K
Total Cash (Recent Filing)$2.97B
Total Debt (Recent Filing)$8.91B
Price to Earnings (P/E)62.2
Beta2.73
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. Volume3,808,709
30 Day Avg. Volume4,085,288
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$90.52Price Target Upside28.89% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering26
EPS Forecast (FY)1.8
Revenue Forecast (FY)$5.28B
Bulls Say, Bears Say
Bulls Say
Cash GenerationAffirm’s recent step‑change to sustained positive operating and free cash flow (FCF up ~27% TTM and FCF ~78% of net income) creates durable funding optionality. Persistent cash generation supports securitizations, product investment, underwriting cushions, and reduces reliance on volatile capital markets over months.
De‑risked Balance SheetA meaningful drop in leverage (debt/equity to ~0.30x TTM) and positive ROE (~11.2%) materially lower funding and solvency risk versus recent years. Improved capital structure enhances resilience to credit cycles, eases ABS execution, and increases strategic optionality for investment or opportunistic growth over the medium term.
Merchant & Product ScaleRapid merchant expansion (+44% active merchants), a growing Affirm Card (~4.4M cardholders) and rising engagement (>20% transactions per active) reinforce network effects. Large platform partnerships (Shopify, Intuit) and high repeat usage (90%+ returning users) underpin durable GMV growth and favorable unit economics.
Bears Say
Revenue ContractionA TTM revenue decline of ~13.9% raises questions about the durability of top‑line growth even as margins improve. Slower GMV or merchant presentment would force greater reliance on margin expansion and product mix shifts to sustain earnings, increasing execution risk over a 2–6 month horizon.
Margin Mix Pressure From 0% OffersScale of merchant‑funded 0% (Pay‑in‑4 / Pay‑in‑X) products creates structural margin risk: these offers deliver lower RLTC margins versus interest‑bearing loans. If the company grows primarily through lower‑margin 0% programs, sustaining overall unit economics will require higher volumes or offsetting credit/funding improvements.
Covenant And Facility ConstraintsThe larger amended revolving facility carries covenants, leverage and tangible net‑worth tests and triggers tied to convertible notes. These restrictions can limit financing flexibility, constrain strategic moves or borrowing capacity, and introduce acceleration risk if performance or covenant metrics weaken in coming quarters.
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 $23.95B.
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 14 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
Neutral
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10
Analyst Consensus
Strong Buy
Average Price Target:
$90.52 (28.89% Upside)
$90.52 (28.89% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 90%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 3.0M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days <0.1%
Last 30 Days <0.1%
Last 30 Days <0.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
6.70%
12-Months-Change
Fundamentals
Return on Equity
―
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 Company Deck
AFRM Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call had a decisively positive tone: management reported record performance, strong funding markets with improving funding costs (~125 bps YoY), accelerated merchant growth (+44% active merchants), robust Card momentum (multi‑million cardholder base and billions in volume), and rising engagement metrics (transactions per active >20%). Credit performance was described as stable with elevated prepayments as a constructive signal. Manageable lowlights include a sequential uptick in allowance (seasonal and mix-driven), the lower RLTC profile of merchant-funded 0% offers, a modest near-term comp headwind, and small incremental AI/tooling costs. Overall, the positive operational and capital-market developments substantially outweigh these limited near-term challenges.View all AFRM earnings summariesAFRM Stock 12 Month Forecast
Average Price Target
$90.52
▲(28.89% Upside)
Technical Analysis
Ownership Overview
0.99% Insiders
33.84% Mutual Funds
1.59% Other Institutional Investors
48.77% Public Companies and Individual Investors