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AFRM Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
74.749
Open
71.910
VWAP
73.53
Vol
4.49M
Mkt Cap
24.76B
Low
71.910
Amount
329.88M
EV/EBITDA(TTM)
30.41
Total Shares
334.90M
EV
31.91B
EV/OCF(TTM)
31.61
P/S(TTM)
6.73
Affirm Holdings, Inc. provides consumers with an alternative to traditional payment options. The Company is engaged in building a payment network. Its platform comprises three core elements: point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Its Affirm App and Website provide tailored offers from merchants based on consumers' preferences. Consumers can apply at affirm.com or via the Affirm App and, upon approval, receive a single-use virtual card to use online or in-store. Its Affirm Card allows consumers to link a bank account to pay in full, or apply to pay overtime through the Affirm App. It offers users an in-app post-purchase feature that allows them to instantly apply to convert any eligible debit transaction into an installment loan. Through the Affirm app and in partnership with Cross River Bank, it offers a savings account, with no minimum deposit requirements or fees.
Show More

Events Timeline

(ET)
2026-06-04
09:10:00
Affirm and CPP Investments Sign $1.7B Loan Agreement
select
2026-05-20 (ET)
2026-05-20
05:20:00
Royal Caribbean Partners with Affirm for Installment Payments
select
2026-05-12 (ET)
2026-05-12
09:10:00
Affirm Expands Partnership with Google to Launch Payment Options
select

News

NASDAQ.COM
7.5
06-19NASDAQ.COM
Klarna Partners with Bolt to Expand Mobility Payments
  • Payment Integration: Klarna's partnership with Bolt integrates its payment options directly into the Bolt app, allowing users in Sweden, Germany, Finland, and Norway to pay for rides using Klarna's 'Pay in Full' or customized installment plans, enhancing user experience and increasing transaction frequency.
  • Market Expansion: This collaboration extends Klarna's reach to over 200 million users, marking a strategic shift from traditional retail and e-commerce into everyday mobility payments, thereby increasing its influence in transportation services.
  • User Growth Momentum: Klarna reported a 21% year-over-year increase in active users to 119 million and a 33% rise in Gross Merchandise Volume (GMV) in Q1 2026, indicating strong growth in the payments sector, which, while not materially impactful in the short term, lays a solid foundation for long-term growth.
  • Competitive Landscape: As Klarna expands into mobility payments, other payment companies like Affirm and Visa are also seeking growth through travel and AI-driven commerce, highlighting the intensifying competition in the payments industry, with Klarna's initiatives poised to support its ongoing development in this space.
Fool
8.5
06-08Fool
SpaceX Plans Record IPO, Aiming to Raise $75 Billion
  • IPO Fundraising Scale: SpaceX plans to issue 555,555,555 shares at $135 each, aiming to raise $75 billion and achieve a valuation of $1.77 trillion, setting a historic record that reflects strong market confidence in its growth potential.
  • Business Diversification: The company operates in three segments: rocket launches, satellite internet, and artificial intelligence, with the rocket launch segment having successfully launched approximately 650 times at a 99% success rate, solidifying its leadership in the aerospace market.
  • Strategic Partnership Agreement: SpaceX has reached a deal with Alphabet to receive $920 million per month for computing capacity from 2026 to 2029, valued at $30 billion, which will significantly enhance the company's financial position and market competitiveness.
  • Investment Risk Warning: Despite the optimistic IPO outlook, historical data shows that over half of the 30 largest IPOs in the past 15 years saw stock prices decline within the first week and at 12 months, indicating that investors should approach newly listed stocks with caution due to their volatility.
NASDAQ.COM
8.5
06-08NASDAQ.COM
SpaceX IPO Set to Break Historical Records
  • Massive Fundraising: SpaceX plans to offer 555,555,555 shares at $135 each, aiming to raise $75 billion and achieve a valuation of $1.77 trillion, setting a historical record that reflects strong market confidence in its growth prospects.
  • Diverse Business Segments: SpaceX operates in rocket launches, satellite internet, and artificial intelligence, with a notable 99% success rate in rocket launches and a network of approximately 9,600 Starlink satellites, enhancing its competitive edge globally.
  • Intriguing Financials: In 2025, SpaceX generated $18.7 billion in revenue, a 33% year-over-year increase, but reported a net loss of $4.9 billion; however, an adjusted EBITDA of $6.6 billion indicates potential profitability, and a $30 billion deal with Alphabet will further improve its financial position.
  • Investment Risk Advisory: Historical data shows that over half of the 30 largest IPOs in the past 15 years performed poorly in their first year, prompting investors to exercise caution, especially since founder Elon Musk will control 82% of the voting power, limiting retail investors' influence on company decisions.
Yahoo Finance
2.0
06-04Yahoo Finance
Financial Stocks Rise in Late Thursday Trading
  • Strong Performance in Financial Stocks: Financial stocks showed a broad increase in late Thursday trading, reflecting a gradual recovery in market confidence towards the financial sector, which may boost investor sentiment.
  • NYSE Financial Index Up: The NYSE Financial Index rose during trading, indicating that financial stocks are performing better than market expectations, potentially attracting more capital into this sector.
  • Improved Market Sentiment: The rise in financial stocks may be linked to improving economic data and changing interest rate expectations, as investors gain confidence in future economic recovery, thereby driving stock prices higher.
  • Increased Investor Attention: With the rise in financial stocks, investor attention towards the sector has increased, which could lead to more capital inflows into the financial markets, further propelling stock prices upward.
seekingalpha
8.5
06-04seekingalpha
Affirm Expands $1.7B Funding Deal with CPP Investment Board
  • Funding Agreement Expansion: Affirm has renewed and expanded its funding deal with the Canada Pension Plan Investment Board, committing $1.7 billion with the potential to increase to $2.2 billion, demonstrating strong market confidence and attractiveness.
  • Loan Support Expectations: The new agreement is expected to support approximately $8 billion in consumer loan volume over the next two years, further enhancing Affirm's market share and business growth in the consumer finance sector.
  • Asset Acquisition History: Since 2019, the Canada Pension Plan Investment Board has acquired nearly $14 billion in assets from Affirm, indicating deepening strategic partnerships and confidence in Affirm's long-term development.
  • User Base and Transaction Volume: As of March 31, 2026, Affirm served nearly 27 million active consumers and processed $46 billion in gross merchandise volume over the past 12 months, reflecting its strong market influence and customer base.
NASDAQ.COM
6.5
06-02NASDAQ.COM
Competitive Analysis of Affirm vs. Klarna
  • Market Positioning: Affirm focuses on high-ticket consumer financing in the U.S., generating approximately $3.2 billion in FY 2025 with a 38.8% year-over-year increase, while Klarna operates in 26 countries with about $3.5 billion in revenue, reflecting distinct market strategies.
  • Financial Performance Comparison: Affirm achieved a net income of $52.2 million in FY 2025 with a net margin of 1.6%, whereas Klarna reported a net loss of approximately $294 million, resulting in a net margin of -8.4%, indicating Affirm's superior profitability.
  • Customer Base and Risks: Affirm relies heavily on major retailers like Amazon and Shopify, with nearly 377,000 active merchants, leading to high customer concentration risk; in contrast, Klarna boasts 118 million active users and partners with around 966,000 merchants, providing a broader customer base.
  • Cash Flow Status: Affirm generated approximately $601.7 million in free cash flow, showcasing strong cash generation capabilities, while Klarna's free cash flow was negative at about -$1.0 billion, indicating financial pressure due to aggressive international expansion that may affect future stability.
Wall Street analysts forecast AFRM stock price to rise
22 Analyst Rating
Wall Street analysts forecast AFRM stock price to rise
17 Buy
5 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
65.00
Averages
87.72
High
107.00
Current: 0.000
sliders
Low
65.00
Averages
87.72
High
107.00
Truist
Buy
maintain
$75 -> $80
AI Analysis
2026-05-28
Reason
Truist
Price Target
$75 -> $80
AI Analysis
2026-05-28
maintain
Buy
Reason
Truist raised the firm's price target on Affirm to $80 from $75 and keeps a Buy rating on the shares as part of a broader research note updating the firm's models on Payments. Truist is increasing it's Q4 volume estimates due to favorable industry datapoints around retail spend trends as well as Affirm's May "Big Nothing" promotional event, while also taking a conservative approach to modeling FY27 Gross Merchandise Volume growth, the analyst tells investors in a research note.
Mizuho
Dan Dolev
Outperform
maintain
$95 -> $100
2026-05-14
Reason
Mizuho
Dan Dolev
Price Target
$95 -> $100
2026-05-14
maintain
Outperform
Reason
Mizuho analyst Dan Dolev raised the firm's price target on Affirm to $100 from $95 and keeps an Outperform rating on the shares. The highlight of the analyst day is the $100B gross merchandise volume target, implying 25% annual growth, the analyst tells investors in a research note. The firm cites Affirm's "upbeat" fiscal Q3 report and "strong analyst day prospects" for the target boost.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for AFRM
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Valuation Metrics

The current forward P/E ratio for Affirm Holdings Inc (AFRM.O) is 36.90, compared to its 5-year average forward P/E of -15.57. For a more detailed relative valuation and DCF analysis to assess Affirm Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-15.57
Current PE
36.90
Overvalued PE
79.48
Undervalued PE
-110.63

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
-11.96
Current EV/EBITDA
51.53
Overvalued EV/EBITDA
111.19
Undervalued EV/EBITDA
-135.11

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
6.15
Current PS
4.70
Overvalued PS
11.99
Undervalued PS
0.32

Financials

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Whales Holding AFRM

A
Atreides Management, LP
Holding
AFRM
+44.18%
3M Return
S
Shopify Inc.
Holding
AFRM
+24.16%
3M Return
L
Landscape Capital Management, LLC
Holding
AFRM
+16.54%
3M Return
B
Ballentine Partners, LLC
Holding
AFRM
+16.35%
3M Return
M
Moore Capital Management, LP
Holding
AFRM
+16.00%
3M Return
J
Jericho Capital Asset Management L.P.
Holding
AFRM
+13.53%
3M Return

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Frequently Asked Questions

What is Affirm Holdings Inc (AFRM) stock price today?

The current price of AFRM is 73.92 USD — it has increased 4.51

What is Affirm Holdings Inc (AFRM)'s business?

Affirm Holdings, Inc. provides consumers with an alternative to traditional payment options. The Company is engaged in building a payment network. Its platform comprises three core elements: point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Its Affirm App and Website provide tailored offers from merchants based on consumers' preferences. Consumers can apply at affirm.com or via the Affirm App and, upon approval, receive a single-use virtual card to use online or in-store. Its Affirm Card allows consumers to link a bank account to pay in full, or apply to pay overtime through the Affirm App. It offers users an in-app post-purchase feature that allows them to instantly apply to convert any eligible debit transaction into an installment loan. Through the Affirm app and in partnership with Cross River Bank, it offers a savings account, with no minimum deposit requirements or fees.

What is the price predicton of AFRM Stock?

Wall Street analysts forecast AFRM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AFRM is87.72 USD with a low forecast of 65.00 USD and a high forecast of 107.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Affirm Holdings Inc (AFRM)'s revenue for the last quarter?

Affirm Holdings Inc revenue for the last quarter amounts to 1.04B USD, increased 32.64

What is Affirm Holdings Inc (AFRM)'s earnings per share (EPS) for the last quarter?

Affirm Holdings Inc. EPS for the last quarter amounts to 0.30 USD, increased 2900.00

How many employees does Affirm Holdings Inc (AFRM). have?

Affirm Holdings Inc (AFRM) has 2206 emplpoyees as of June 20 2026.

What is Affirm Holdings Inc (AFRM) market cap?

Today AFRM has the market capitalization of 24.76B USD.