Affirm Holdings, Inc. (AFRM)
NASDAQ:AFRM
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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)5.40M
Market Cap
$21.85B
Enterprise Value$28.28B
Total Cash (Recent Filing)$2.97B
Total Debt (Recent Filing)$8.91B
Price to Earnings (P/E)37.5
Beta2.64
Next Earnings
Aug 20, 2026EPS Estimate
0.34Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.15
Shares Outstanding294,357,800
10 Day Avg. Volume5,124,488
30 Day Avg. Volume5,399,518
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 Cap1.29
Enterprise Value/Revenue7.12
Enterprise Value/Gross Profit10.52
Enterprise Value/Ebitda25.33
Forecast
1Y Price Target
$86.05Price Target Upside33.41% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering23
EPS Forecast (FY)1.25
Revenue Forecast (FY)$4.20B
Bulls Say, Bears Say
Bulls Say
Funding And Securitization AccessStrong investor demand and tight securitization spreads have supported attractive funding access, helping preserve financing capacity and underwriting economics for continued loan originations.
Investor Forum And GuidanceAnalyst expects an investor forum to prompt management to refresh medium-term targets and tighten margin guidance, which could raise revenue and profitability expectations and attract investor attention.
Product Adoption And Customer RetentionMore frequent zero-interest promotions and strategic partnerships are likely to boost card adoption and generate higher-quality repeat customers who later adopt other products, lowering acquisition costs.
Bears Say
Merchant Concentration And Sales Volume DecelerationThe loss of a large retail partner and conservative forecasting imply slower growth in total sales volume, increasing reliance on replacing that volume to sustain growth momentum.
Profitability Sensitivity To Loan YieldsProfitability is sensitive to retained loan yields and gain-on-sale economics, and any deterioration in these metrics could materially weaken net margins.
Underwriting Quality And DelinquenciesA cohort of loans with poor underwriting has produced elevated late-stage delinquencies, which could increase losses and strain credit performance despite existing reserves.
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 $21.85B.
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 85 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 0.34.
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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Analyst Consensus
Strong Buy
Average Price Target:
$86.05 (33.41% Upside)
$86.05 (33.41% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 3.0M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.8%
Last 30 Days ▼ 3.9%
Last 30 Days ▼ 3.9%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
40.50%
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. 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
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
$86.05
▲(33.41% Upside)
Technical Analysis
Ownership Overview
0.96% Insiders
34.84% Mutual Funds
30.61% Other Institutional Investors
20.51% Public Companies and Individual Investors