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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 - $90.44
Previous CloseN/A
Volume237.90K
Average Volume (3M)4.05M
Market Cap
$24.97B
Enterprise Value$35.26B
Total Cash (Recent Filing)$2.60B
Total Debt (Recent Filing)$9.82B
Price to Earnings (P/E)13.0
Beta2.65
Next Earnings
Nov 05, 2026EPS Estimate
0.38Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)5.71
Shares Outstanding296,881,960
10 Day Avg. Volume4,335,375
30 Day Avg. Volume4,048,105
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 Cap1.41
Enterprise Value/Revenue8.43
Enterprise Value/Gross Profit12.36
Enterprise Value/Ebitda28.21
Forecast
1Y Price Target
$100.92Price Target Upside29.48% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering28
EPS Forecast (FY)1.99
Revenue Forecast (FY)$5.49B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationAffirm’s substantial operating and free cash flow provides funding for continued product development and market expansion while reducing reliance on external financing. If sustained, this cash generation can strengthen resilience, support investment, and improve flexibility in managing credit and funding cycles.
Improved Balance-sheet CapitalizationThe materially lower leverage and larger equity base give Affirm more balance-sheet flexibility as it funds consumer loans and expands its payments network. Stronger capitalization can help absorb credit volatility, support funding activity, and provide greater capacity to pursue durable growth opportunities.
Product And Engagement TractionGrowth across Pay-in-X and Affirm Card indicates that Affirm is extending beyond a single checkout product and increasing engagement with existing users. Broader product adoption can deepen merchant value, improve customer retention, and create multiple avenues for transaction and interest-related revenue.
Bears Say
Revenue Sustainability ConcernsThe sharp reported revenue contraction makes it harder to establish a dependable growth trajectory, even though profitability improved substantially. Inconsistent gross-profit and EBIT margin data also reduce confidence in the durability and quality of current earnings, raising execution risk over coming quarters.
In-store Adoption FrictionAffirm’s offline opportunity depends on reliable integration across merchant point-of-sale environments, yet management acknowledged several technical and operational barriers. Required engineering work may delay adoption, increase execution complexity, and limit the pace at which card and checkout usage broadens.
Early Merchant PenetrationThe relatively limited merchant coverage shows meaningful room for expansion but also highlights dependence on lengthy enterprise sales and integration processes. Slower onboarding can defer transaction-volume growth, prolong investment requirements, and leave Affirm reliant on existing merchant relationships in the near term.
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 $90.44 in the past 12 months.
What is Affirm Holdings’s market cap?
Affirm Holdings’s market cap is $24.97B.
When is Affirm Holdings’s upcoming earnings report date?
Affirm Holdings’s upcoming earnings report date is Nov 05, 2026 which is in 18 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 0.38.
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$100.92 (29.48% Upside)
$100.92 (29.48% Upside)
Blogger Sentiment
Bullish
AFRM Sentiment 82%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Increased
By 712.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.8M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.5%
Last 30 Days ▼ 9.4%
Last 30 Days ▼ 9.4%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.15%
12-Months-Change
Fundamentals
Return on Equity
47.91%
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 AFRM earnings summariesAFRM Stock 12 Month Forecast
Average Price Target
$100.92
▲(29.48% Upside)
Technical Analysis
Ownership Overview
0.97% Insiders
33.55% Mutual Funds
0.55% Other Institutional Investors
50.06% Public Companies and Individual Investors