Affirm Holdings, Inc. (DE:78P)
NASDAQ:78P
78P Stock Chart & Stats
€73.80
€0.00(0.00%)
At close: 4:00 PM EST
€73.80
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€73.80 - €75.00
Previous CloseN/A
Volume720.00
Average Volume (3M)720.00
Market Cap
€21.16B
Enterprise Value€30.13B
Total Cash (Recent Filing)€2.97B
Total Debt (Recent Filing)€8.91B
Price to Earnings (P/E)62.8
BetaN/A
Next Earnings
Aug 20, 2026EPS Estimate
0.3Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.15
Shares Outstanding294,357,800
10 Day Avg. Volume720
30 Day Avg. Volume720
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€74.42Price Target Upside0.84% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering23
EPS Forecast (FY)1.09
Revenue Forecast (FY)€3.67B
Bulls Say, Bears Say
Bulls Say
Strong Free Cash FlowAffirm's sustained positive operating and free cash flow (FCF up ~27% TTM and FCF running ~78% of net income) materially improves financial flexibility. Durable cash generation reduces reliance on external funding, funds product investment and card growth, and supports ongoing deleveraging and capital allocation over the medium term.
Profitability InflectionMargins have shifted from persistent losses to positive operating and net margins (+11.9% TTM), reflecting improved unit economics and operating leverage. This structural improvement supports sustainable earnings, better return on equity, and the ability to invest in growth while maintaining durable profitability through business cycles.
Merchant Network ExpansionA 44% YoY increase in active merchants expands presentment and distribution, strengthening network effects. Broader merchant integration (Shopify, PSPs, Intuit program) increases checkout coverage and repeat usage, improving customer acquisition efficiency and providing a durable revenue base tied to merchant partnerships.
Bears Say
Recent TTM Revenue DeclineA -13.9% TTM revenue contraction raises questions about top-line durability even as margins recover. Sustained revenue weakness could limit the scalability of fixed-cost leverage, stress growth assumptions for card and Pay‑in‑X expansion, and make margin gains vulnerable if volume does not reaccelerate.
Historically High LeverageAlthough leverage has materially declined to ~0.30x TTM, prior high debt levels (2.4–2.6x) indicate past reliance on external funding and residual structural sensitivity. Legacy funding practices and whole‑loan exposures could re-emerge under stress, so capital resilience and continued deleveraging remain important durable risks.
Margin Mix Risk From 0% OffersGrowing merchant-funded 0% offers (Pay‑in‑4 / 0% products) drive volume but compress RLTC margins relative to interest-bearing loans. If 0% mix continues to rise, the company faces a structural trade-off between scaling adoption and preserving unit economics, potentially limiting long‑term margin sustainability.
Affirm Holdings News
78P FAQ
What was Affirm Holdings, Inc.’s price range in the past 12 months?
Affirm Holdings, Inc. lowest stock price was €73.80 and its highest was €75.00 in the past 12 months.
What is Affirm Holdings, Inc.’s market cap?
Affirm Holdings, Inc.’s market cap is €21.16B.
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 57 days.
How were Affirm Holdings, Inc.’s earnings last quarter?
Affirm Holdings, Inc. released its earnings results on May 07, 2026. The company reported €0.263 earnings per share for the quarter, beating the consensus estimate of €0.149 by €0.114.
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 0.3.
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 €0.263 in its last earnings report, beating expectations of €0.149. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Affirm Holdings, Inc.?
Currently, no hedge funds are holding shares in DE:78P
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:
€74.42 (0.84% Upside)
€74.42 (0.84% Upside)
Blogger Sentiment
Bullish
DE:78P Sentiment 70%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.33%
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. 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.
78P Company Deck
78P 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 DE:78P earnings summaries78P Stock 12 Month Forecast
Average Price Target
€74.42
▲(0.84% Upside)
Technical Analysis
Options Prices
Currently, No data available
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