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AFRM Stock Chart & Stats
$77.94
$2.84(4.04%)
At close: 4:00 PM EDT
$77.94
$2.84(4.04%)
Day’s Range― - ―
52-Week Range$42.10 - $93.20
Previous CloseN/A
Volume237.90K
Average Volume (3M)4.09M
Market Cap
$26.24B
Enterprise Value$35.26K
Total Cash (Recent Filing)$2.60B
Total Debt (Recent Filing)$1.13B
Price to Earnings (P/E)13.0
Beta2.67
Next Earnings
Nov 11, 2026EPS Estimate
0.37Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)5.71
Shares Outstanding296,881,960
10 Day Avg. Volume6,051,082
30 Day Avg. Volume4,085,504
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$101.30Price Target Upside29.97% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering25
EPS Forecast (FY)1.79
Revenue Forecast (FY)$5.29B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationAffirm’s scaled operating and free cash flow provides capacity to fund product development, support loan origination and reduce reliance on external financing. Persistence would strengthen resilience across funding and credit cycles.
Improved Balance SheetLower leverage and a larger equity base improve financial flexibility for a lending platform exposed to funding markets. The stronger capitalization can support growth investments and provide greater capacity to absorb credit or liquidity shocks.
Product Adoption And EngagementGrowth across Pay-in-X and Affirm Card indicates expanding product usage and deeper customer engagement. Higher card spend and broader installment adoption can improve monetization and strengthen Affirm’s role within merchant checkout.
Bears Say
Revenue Sustainability RiskA severe annual revenue contraction raises questions about the durability of growth, revenue mix and reporting comparability. Even with improving cash flow, inconsistent top-line performance could constrain planning and weaken confidence in future expansion.
Inconsistent Profitability ReportingConflicting margin disclosures make it harder to assess the quality and recurrence of reported profitability. Reduced visibility into underlying unit economics may limit confidence that recent earnings improvements will persist across future periods.
Merchant And In-Store Execution GapsPhysical-retail integration friction and still-limited merchant penetration can delay broader network expansion. Additional engineering, enterprise sales and integration work may be required before offline adoption becomes a meaningful, scalable growth driver.
Affirm Holdings News
AFRM FAQ
What was Affirm Holdings’s price range in the past 12 months?
Affirm Holdings lowest stock price was $42.09 and its highest was $93.20 in the past 12 months.
What is Affirm Holdings’s market cap?
Affirm Holdings’s market cap is $26.24B.
When is Affirm Holdings’s upcoming earnings report date?
Affirm Holdings’s upcoming earnings report date is Nov 11, 2026 which is in 70 days.
How were Affirm Holdings’s earnings last quarter?
Affirm Holdings released its earnings results on Aug 27, 2026. The company reported $4.62 earnings per share for the quarter, beating the consensus estimate of $0.347 by $4.273.
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 0.37.
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 $4.62 in its last earnings report, beating expectations of $0.347. Following the earnings report the stock price went up 0.348%.
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
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$101.30 (29.97% Upside)
$101.30 (29.97% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 80%
Sector Average 56%
Sector Average 56%
Hedge Fund Trend
Increased
By 712.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 3.0%
Last 30 Days ▲ 2.8%
Last 30 Days ▲ 2.8%
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
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 AFRM earnings summariesAFRM Stock 12 Month Forecast
Average Price Target
$101.30
▲(29.97% Upside)
Technical Analysis
Ownership Overview
0.98% Insiders
33.55% Mutual Funds
32.00% Other Institutional Investors
18.79% Public Companies and Individual Investors