Affirm Holdings (AFRM) Stock Price & Analysis
AFRM Stock Chart & Stats
- Day’s Range
- MXN 1,360.00 - MXN 1,360.00
- 52-Week Range
- MXN 755.00 - MXN 1,643.00
- Previous Close
- MXN 1,420.00
- Volume
- 0
- Average Volume (3M)
- 370
- Market Cap
- MXN 468.07B
- Enterprise Value
- MXN 35.26B
- Total Cash (Recent Filing)
- MXN 2.60B
- Total Debt (Recent Filing)
- MXN 9.82B
- Price to Earnings (P/E)
- 12.9
- Beta
- 0.14
- Next Earnings
- Nov 05, 2026 (Est.)
- EPS Estimate
- 7.14
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Cash Generation And Capitalization
Affirm has developed substantial operating and free cash flow while materially reducing leverage, improving its ability to fund growth and absorb credit or funding volatility. Stronger capitalization also reduces dependence on external financing and provides greater flexibility for product investment and strategic expansion.
Product Traction And Credit Discipline
Growth across Pay-in-X and Affirm Card indicates increasing engagement beyond the core checkout use case, while dynamic underwriting supports controlled expansion. The combination of product adoption and credit discipline can strengthen customer relationships and preserve unit economics as volumes scale.
Strategic Distribution Expansion
The Sam’s Club collaboration adds a large retail distribution channel and extends Affirm’s reach from online checkout toward physical locations. A multi-year relationship can support transaction growth, merchant visibility, and broader consumer adoption if the planned rollout executes successfully.
Bears Say
Revenue And Profitability Quality
The sharp latest-period revenue decline creates uncertainty about the durability and mix of growth, even though profitability improved substantially. Inconsistent gross-profit and EBIT margin reporting further reduces confidence in how repeatable the reported earnings improvement will be over coming periods.
In-Store Execution Friction
Physical-retail expansion remains operationally demanding because connectivity, point-of-sale integration, and checkout failure handling require further improvement. These frictions can delay offline volume growth, increase implementation effort, and make the planned expansion less immediate than online distribution gains.
Limited Merchant Penetration
Affirm still has meaningful room to expand merchant coverage, but the low current penetration also shows that distribution growth depends on closing lengthy enterprise integrations. Multi-quarter sales cycles can slow transaction-volume scaling and leave near-term results reliant on existing merchant relationships.
Affirm Holdings News
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Affirm Holdings Stock 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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Max Rafailovych Levchin
- Employees
- 2,358
- Website
- www.affirm.com
- Address
- 221 Main Street, San Francisco, CA, 94105, US
Affirm Holdings (AFRM) Earnings & Revenues
AFRM Company Deck
AFRM Earnings Call
Earnings Call SentimentPositive
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
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 6 | 2 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 11 | 0 | 1 |
