AFRM
Affirm Holdings Inc
$
67.090
- Overview
- Forecast
- Valuation
- Earnings
Line
|
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
67.505
Open
65.835
VWAP
66.90
Vol
3.06M
Mkt Cap
21.64B
Low
65.6758
Amount
204.64M
EV/EBITDA(TTM)
92.40
Total Shares
309.12M
EV
27.44B
EV/OCF(TTM)
34.82
P/S(TTM)
8.30
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 high-yield savings account, with no minimum deposit requirements or fees.
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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q2
FY2026Q1
FY2025Q4
1.03B
+19.14%
0.640
-15.65%
858.38M
+22.89%
0.490
+35.28%
837.05M
+26.98%
0.437
-404.32%
Estimates Revision
The market is revising Upward the revenue expectations for Affirm Holdings, Inc. (AFRM) for FY2025, with the revenue forecasts being adjusted by 0.18% over the past three months. During the same period, the stock price has changed by 36.44%.
Revenue Estimates for FY2025
Revise Upward
+0.18%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
-6.33%
In Past 3 Month
Stock Price
Go Up
+36.44%
In Past 3 Month
21 Analyst Rating
3.12% Upside
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 is 69.18 USD with a low forecast of 56.00 USD and a high forecast of 86.00 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.
15 Buy
6 Hold
0 Sell
Moderate Buy
3.12% Upside
Current: 67.090
Low
56.00
Averages
69.18
High
86.00
3.12% Upside
Current: 67.090
Low
56.00
Averages
69.18
High
86.00
Susquehanna
Positive
maintain
$65 -> $76
2025-07-23
New
Reason
Susquehanna
Price Target
$65 -> $76
2025-07-23
New
maintain
Positive
Reason
Susquehanna raised the firm's price target on Affirm to $76 from $65 and keeps a Positive rating on the shares. The firm raised its target but lowered its estimates as data indicates strong volume, and they are maintaining their high TPV. And there is an abundance of supply in the private credit markets and as BNPL adoption grows mainstream, it's actually moving up market where investors should expect increased adoption among the affluent.
Truist
Buy
upgrade
$58 -> $72
2025-07-22
New
Reason
Truist
Price Target
$58 -> $72
2025-07-22
New
upgrade
Buy
Reason
Truist raised the firm's price target on Affirm to $72 from $58 and keeps a Buy rating on the shares. Truist likes the setup for the FinTech sector as earnings results in totality should be solid, and the group has underperformed of late, the analyst tells investors in a research note.
BTIG
Neutral
maintain
2025-07-22
New
Reason
BTIG
Price Target
2025-07-22
New
maintain
Neutral
Reason
BTIG tells investors in a research note that it is "unlikely" that Synchrony (SYF) takes all of Affirm's (AFRM) buy now pay later share at Amazon (AMZN), but it could be "significant." The firm, which has a Neutral rating on Affirm shares, says the Synchrony offer appears to be live on Amazon's website already.
Oppenheimer
Rayna Kumar
Outperform
initiated
$80
2025-07-21
Reason
Oppenheimer
Rayna Kumar
Price Target
$80
2025-07-21
initiated
Outperform
Reason
Oppenheimer analyst Rayna Kumar initiated coverage of Affirm with an Outperform rating and $80 price target.
Oppenheimer
Outperform
initiated
$80
2025-07-21
Reason
Oppenheimer
Price Target
$80
2025-07-21
initiated
Outperform
Reason
As previously reported, Oppenheimer initiated coverage of Affirm with an Outperform rating and $80 price target, offering 15% upside potential. The firm argues that Affirm stands out as a leader in the Buy Now, Pay Later space with its advanced underwriting, robust funding strategy, strong merchant relationships, and transparent pricing model. Collectively, these factors should enable ongoing share gains in the fast-growing BNPL market, Oppenheimer adds. Over the next two years, with potential for BNPL market growth in the high-teens to low 20s, the firm expects Affirm will generate at least a mid-20s gross merchandise volume, 20% revenue less transaction fee, and high-20s adjusted operating income CARGRs.
Deutsche Bank
Hold
to
Buy
upgrade
$78
2025-07-17
Reason
Deutsche Bank
Price Target
$78
2025-07-17
upgrade
Hold
to
Buy
Reason
Deutsche Bank resumed coverage of Affirm with a Buy rating and $78 price target. The firm's previous rating was Hold. Deutsche Bank resumed coverage on 25 stocks in the payments, processors, and IT services industry with 9 Buys, 14 Holds, and 2 restricted ratings. Both industries have materially underperformed the S&P 500 Index year-to-date as investor expectations for 2025 increased around the November election, leading to an end of year run-up "that has since proven overly-optimistic," the analyst tells investors in a research note. The firm says that with trade uncertainty and consumer spending concerns, the outlook for the group "is as cloudy as it has been in the last five years."
See All Ratings
Valuation Metrics
The current forward P/E ratio for Affirm Holdings Inc (AFRM.O) is 32.15, compared to its 5-year average forward P/E of -32.77. 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.
N/A
5Y Average PE
-32.77
Current PE
32.15
Overvalued PE
67.04
Undervalued PE
-132.58
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.
N/A
5Y Average EV/EBITDA
-29.54
Current EV/EBITDA
71.07
Overvalued EV/EBITDA
100.50
Undervalued EV/EBITDA
-159.59
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.
Fair
5Y Average PS
7.86
Current PS
5.87
Overvalued PS
15.62
Undervalued PS
0.09
Financials
Annual
Quarterly
FY2025Q3
YoY :
+31.96%
707.30M
Total Revenue
FY2025Q3
YoY :
-231.92%
80.70M
Operating Profit
FY2025Q3
YoY :
-102.09%
2.80M
Net Income after Tax
FY2025Q3
YoY :
-102.33%
0.01
EPS - Diluted
FY2025Q3
YoY :
-2.66%
157.38M
Free Cash Flow
FY2025Q3
YoY :
0.00%
100.00
Gross Profit Margin - %
FY2025Q3
YoY :
+59.08%
22.78
FCF Margin - %
FY2025Q3
YoY :
-101.60%
0.40
Net Margin - %
Trading Trends
Insider
Insiders areSelling! The selling amount has increased 3482.15% over the last month.
Sold
0-3
Months
6.4M
USD
5
3-6
Months
3.2M
USD
5
6-9
Months
96.7M
USD
22
0-12
Months
6.8M
USD
5
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
1.1M
Volume
3
6-9
Months
1.2M
Volume
4
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
9
2.9M
Volume
Months
6-9
7
7.5M
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders areSelling! The selling amount has increased 3482.15% over the last month.
Sold
0-3
Months
6.4M
USD
5
3-6
Months
3.2M
USD
5
6-9
Months
96.7M
USD
22
0-12
Months
6.8M
USD
5
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
AFRM News & Events
Events Timeline
2025-07-22 (ET)
2025-07-22
10:18:22
Synchrony announces partnership with One Pay, renewed relationship with Amazon
2025-07-14 (ET)
2025-07-14
07:25:56
JPMorgan to charge fintechs for customer data access, Bloomberg reports
2025-06-24 (ET)
2025-06-24
09:11:27
Affirm, Moore Capital Management extend long-term capital partnership
Sign Up For More Events
Sign Up For More Events
News
3.0
07-25NASDAQ.COM3 Momentum Anomaly Picks as Markets Hit Record High on the Trot
8.0
07-23NASDAQ.COMNoteworthy Wednesday Option Activity: AFRM, ADI, IOVA
7.5
07-22NewsfilterAffirm and New Look Vision Group partner to offer flexible payment options across leading eyewear retailers in Canada
Sign Up For More News
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FAQ
What is Affirm Holdings Inc (AFRM) stock price today?
The current price of AFRM is 67.09 USD — it has increased 1.93 % in the last trading day.
What is Affirm Holdings Inc (AFRM)'s business?
What is the price predicton of AFRM Stock?
What is Affirm Holdings Inc (AFRM)'s revenue for the last quarter?
What is Affirm Holdings Inc (AFRM)'s earnings per share (EPS) for the last quarter?
What changes have occurred in the market's expectations for Affirm Holdings Inc (AFRM)'s fundamentals?
How many employees does Affirm Holdings Inc (AFRM). have?