Affirm (AFRM) Stock Price, News & Analysis

Company Overview

Affirm Holdings, Inc. (NASDAQ: AFRM) operates a digital commerce and financial services platform that enables consumers to pay for purchases over time. Its point-of-sale financing products allow eligible customers to use installment loans, including both short-term and longer-duration payment options, with terms and costs disclosed before purchase.

Affirm’s services are offered through its merchant partners’ online and in-store checkout experiences, as well as through the Affirm app and website. The company also provides the Affirm Card, a debit-linked product that can give users the option to split eligible purchases into installments, and offers merchants tools for integrating financing into their e-commerce platforms and managing customer payments.

Founded in 2012 by Max Levchin, who serves as chief executive officer, Affirm primarily serves consumers and merchants in the United States and Canada. Its platform is designed to support retailers across categories such as travel, apparel, electronics, home goods and fitness, helping merchants offer transparent payment options while seeking to increase purchasing flexibility and conversion.

Key Stats

• Today's Range: $74.34 to $76.24
• 50-Day Range: $67.21 to $78.47
• 52-Week Range: $42.10 to $90.44
• Volume: 705,171 shs
• Average Volume: 5.20 million shs
• Market Capitalization: $25.28 billion
• P/E Ratio: 13.57
• Dividend Yield: N/A
• Price Target: $98.15
• Consensus Rating: Moderate Buy

Affirm Stock Analysis - MarketRank™

Affirm scored higher than 89% of companies evaluated by MarketBeat, and ranked 186th out of 833 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Affirm has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on no strong buy ratings, 24 buy ratings, 8 hold ratings, and no sell ratings.

Upside Potential

Affirm has a consensus price target of $98.15, representing about 30.3% upside from its current price of $75.31.

Amount of Analyst Coverage

Affirm has been the subject of 25 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 53.48%

Earnings Growth

Earnings for Affirm are expected to grow by 53.48% in the coming year, from $1.87 to $2.87 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Affirm is 13.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Affirm is 13.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.74.

Price to Earnings Growth Ratio

Affirm has a PEG Ratio of 3.06. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

Affirm has a P/B Ratio of 4.63. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.42% of the float of Affirm has been sold short.

Short Interest Ratio / Days to Cover

Affirm has a short interest ratio ("days to cover") of 3.57, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Affirm has recently increased by 3.93%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Affirm does not currently pay a dividend.

Dividend Growth

Affirm does not have a long track record of dividend growth.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.47

News Sentiment

Affirm has a news sentiment score of 0.47. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Affirm this week, compared to 9 articles on an average week.

Search Interest

Only 25 people have searched for AFRM on MarketBeat in the last 30 days. This is a decrease of -47% compared to the previous 30 days.

MarketBeat Follows

11 people have added Affirm to their MarketBeat watchlist in the last 30 days. This is an increase of 83% compared to the previous 30 days.

Company Ownership

• Score: 1.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Affirm insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $16,974,716.00 in company stock.

Percentage Held by Insiders

11.01% of the stock of Affirm is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

69.29% of the stock of Affirm is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/27/2026
• Today: 10/08/2026
• Next Earnings (Estimated): 11/05/2026
• Fiscal Year End: 6/30/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Financial Services
• Sub-Industry: Transaction & Payment Processing Services
• Current Symbol: NASDAQ:AFRM
• CIK: 1820953
• Web: www.affirm.com
• Phone: 415-984-0490
• Fax: N/A
• Employees: 2,358
• Year Founded: 2012

Price Target and Rating

• Average Price Target for Affirm: $98.15
• High Price Target: $115.00
• Low Price Target: $75.00
• Potential Upside/Downside: +31.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 32 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.52
• Trailing P/E Ratio: 13.54
• Forward P/E Ratio: 40.01
• P/E Growth: 3.06
• Net Income: $1.93 billion
• Net Margins: 45.29%
• Pretax Margin: 11.56%
• Return on Equity: 47.91%
• Return on Assets: 14.46%

Debt

• Debt-to-Equity Ratio: 1.82
• Current Ratio: 11.80
• Quick Ratio: 11.80

Sales & Book Value

• Annual Sales: $4.26 billion
• Price / Sales: 5.92
• Cash Flow: $5.75 per share
• Price / Cash Flow: 13.02
• Book Value: $16.26 per share
• Price / Book: 4.60

Miscellaneous

• Outstanding Shares: 337,420,000
• Free Float: 300,271,000
• Market Cap: $25.25 billion
• Optionable: Optionable
• Beta: 3.82