AFRM Stock Chart & Stats
$1350.00
$0.00(0.00%)
At close: 4:00 PM EDT
$1350.00
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$755.00 - $1,713.59
Previous CloseN/A
Volume0.00
Average Volume (3M)304.00
Market Cap
$413.20B
Enterprise Value$35.26K
Total Cash (Recent Filing)$2.60B
Total Debt (Recent Filing)$9.82B
Price to Earnings (P/E)12.9
Beta0.17
Next Earnings
Nov 11, 2026EPS Estimate
6.32Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)5.71
Shares Outstanding296,881,960
10 Day Avg. Volume52
30 Day Avg. Volume304
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)4.98
Price to Sales (P/S)6.92
P/FCF Ratio27.53
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$1,695.64Price Target Upside25.60% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering28
EPS Forecast (FY)33.54
Revenue Forecast (FY)$93.16B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationAffirm’s substantial operating and free cash flow provides internally generated funding for product investment, credit operations, and growth. This reduces reliance on external financing and gives the company greater flexibility to manage funding conditions while scaling its consumer payments platform.
Improved Balance-Sheet FlexibilityThe materially stronger capitalization improves Affirm’s ability to absorb credit or funding volatility and support continued expansion. Lower leverage should also provide more financial flexibility for investments, partnerships, and balance-sheet management over the next several quarters.
Product And Engagement TractionGrowth across installment products and the Affirm Card suggests increasing customer engagement beyond a single checkout use case. Higher cardholder spending and expanding product adoption can deepen merchant relationships, broaden monetization, and strengthen the platform’s long-term relevance.
Bears Say
Sharp Latest Revenue DeclineA sharp annual revenue contraction raises a fundamental question about the durability and composition of Affirm’s reported growth. Even with improving earnings and cash flow, weaker top-line performance could constrain operating leverage, merchant investment, and confidence in the platform’s growth trajectory.
Inconsistent Profitability ReportingInconsistent margin disclosures make it harder to assess the quality, recurrence, and economic drivers of Affirm’s improved profitability. Reduced confidence in reported operating metrics can complicate forecasting and obscure whether recent earnings strength will translate into durable performance.
In-Store Scaling FrictionOperational friction in physical retail limits the speed at which Affirm can extend its checkout proposition beyond e-commerce. Required engineering and product work may delay adoption, increase execution demands, and leave a potentially important channel underdeveloped over the medium term.
Affirm Holdings News
AFRM FAQ
What was Affirm Holdings’s price range in the past 12 months?
Affirm Holdings lowest stock price was $755.00 and its highest was $1713.59 in the past 12 months.
What is Affirm Holdings’s market cap?
Affirm Holdings’s market cap is $413.20B.
When is Affirm Holdings’s upcoming earnings report date?
Affirm Holdings’s upcoming earnings report date is Nov 11, 2026 which is in 56 days.
How were Affirm Holdings’s earnings last quarter?
Affirm Holdings released its earnings results on Aug 27, 2026. The company reported $78.051 earnings per share for the quarter, beating the consensus estimate of $5.862 by $72.189.
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 6.32.
How many shares outstanding does Affirm Holdings have?
Affirm Holdings has 296,881,960 shares outstanding.
What happened to Affirm Holdings’s price movement after its last earnings report?
Affirm Holdings reported an EPS of $78.051 in its last earnings report, beating expectations of $5.862. Following the earnings report the stock price went up 8.298%.
Which hedge fund is a major shareholder of Affirm Holdings?
Currently, no hedge funds are holding shares in MX: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:
$1,695.64 (25.60% Upside)
$1,695.64 (25.60% Upside)
Blogger Sentiment
Bullish
MX:AFRM Sentiment 78%
Sector Average 59%
Sector Average 59%
Insider Transactions
Sold Shares
Worth $30.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 89%
Bearish news 11%
Bearish news 11%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-11.67%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
41.55%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Affirm Holdings
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong operating momentum: record quarterly profitability, robust product-level growth (Pay-in-X +41%, Affirm Card engagement ~2x spend, services volume ~2x YoY), healthy capital markets execution, and disciplined credit management. Challenges highlighted were largely execution and timing related — improving in-store flows, finishing longer-term product builds (Edge, leasing), and typical funding/quarterly variability (ABS/gain-on-sale, tax-rate volatility). Overall the positives around profitability, product traction, and controlled credit risks materially outweighed the operational and timing headwinds.View all MX:AFRM earnings summariesAFRM Stock 12 Month Forecast
Average Price Target
$1,695.64
▲(25.60% Upside)