78P Stock Chart & Stats
€65.97
€0.00(0.00%)
At close: 4:00 PM EDT
€65.97
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€62.28 - €75.00
Previous CloseN/A
Volume720.00
Average Volume (3M)720.00
Market Cap
€21.98B
Enterprise Value€21.89K
Total Cash (Recent Filing)€2.97B
Total Debt (Recent Filing)€8.91B
Price to Earnings (P/E)67.4
Beta-0.03
Next Earnings
Nov 11, 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<0.01
Price to Book (P/B)4.98
Price to Sales (P/S)23.77
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
€85.75Price Target Upside29.98% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering25
EPS Forecast (FY)1.54
Revenue Forecast (FY)€4.54B
Bulls Say, Bears Say
Bulls Say
Merchant Network And User Engagement GrowthRapid merchant expansion and higher transaction frequency strengthen Affirm’s distribution, customer engagement, and network economics. Broader checkout presence can support sustained GMV growth and improve operating leverage as fixed platform costs are spread across more activity.
Improving Funding Economics And Capital-market AccessLower funding costs directly improve lending economics and create more flexibility in pricing consumer loans. Oversubscribed transactions and tightening spreads also indicate durable access to institutional capital, reducing reliance on expensive or constrained financing.
Stronger Cash Generation And Balance SheetSubstantial operating and free cash flow gives Affirm capacity to fund growth, absorb credit variability, and reduce financing dependence. Lower leverage and higher equity further improve resilience, although the speed of the capital-structure change warrants continued monitoring.
Bears Say
Uncertain Revenue Quality And Earnings DurabilityThe reported revenue contraction and inconsistent profitability fields make it difficult to assess the recurring earnings base. This weakens confidence that recent net income and EBITDA improvements will persist without clearer revenue composition and margin disclosure.
Growing 0% Offer Mix Can Pressure MarginsPay-in-4 and other 0% products are driving growth, but their structurally lower RLTC margins can dilute blended profitability as mix shifts. Volume and lower credit costs may offset part of the gap, but margin expansion becomes more dependent on scale.
Credit Costs Remain Sensitive To Receivables MixStable delinquencies are reassuring, but allowance rates remain sensitive to seasonality, prepayments, and portfolio composition. If credit normalization or mix changes persist, higher provisioning could reduce contribution margins and constrain the cash available for growth.
Affirm Holdings News
78P FAQ
What was Affirm Holdings’s price range in the past 12 months?
Affirm Holdings lowest stock price was €62.28 and its highest was €75.00 in the past 12 months.
What is Affirm Holdings’s market cap?
Affirm Holdings’s market cap is €21.98B.
When is Affirm Holdings’s upcoming earnings report date?
Affirm Holdings’s upcoming earnings report date is Nov 11, 2026 which is in 75 days.
How were Affirm Holdings’s earnings last quarter?
Affirm Holdings released its earnings results on Aug 27, 2026. The company reported €3.966 earnings per share for the quarter, beating the consensus estimate of €0.298 by €3.668.
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 0.3.
How many shares outstanding does Affirm Holdings have?
Affirm Holdings has 294,357,800 shares outstanding.
What happened to Affirm Holdings’s price movement after its last earnings report?
Affirm Holdings reported an EPS of €3.966 in its last earnings report, beating expectations of €0.298. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Affirm Holdings?
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
Outperform
1
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4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
€85.75 (29.98% Upside)
€85.75 (29.98% Upside)
Blogger Sentiment
Bullish
DE:78P Sentiment 87%
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
6.70%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
25.92%
Trailing 12-Months
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.
78P Company Deck
78P 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 DE:78P earnings summaries78P Stock 12 Month Forecast
Average Price Target
€85.75
▲(29.98% Upside)