Affirm (AFRM) Stock Price, News & Analysis

Company Overview

Affirm Holdings, Inc. is a financial technology company that provides point-of-sale consumer lending and payments solutions for online and in-store purchases. Its core product is a buy-now-pay-later (BNPL) platform that enables consumers to split purchases into fixed, transparent installment loans with no hidden fees. Affirm offers a range of financing options through merchant integrations, a consumer-facing mobile app and virtual card capabilities, and tools for merchants to offer alternative payment methods at checkout. The company emphasizes transparent pricing and underwriting that leverages transaction- and credit-related data to assess borrower creditworthiness.

Founded in 2012 and headquartered in San Francisco, California, Affirm has grown from a single-product startup into a broader payments and lending platform for consumers and retailers. The firm completed its initial public offering in January 2021 and has since pursued partnerships with large e-commerce platforms and retailers to expand the availability of its financing options. While Affirm’s primary market is the United States, it has worked to extend its services internationally through strategic partnerships and expansions with merchants that sell across borders.

Affirm’s management and technology focus on combining underwriting, payment processing and user experience to drive higher conversion and purchase sizes for merchants while offering consumers predictable repayment terms. The company is led by founder and chief executive Max Levchin, who has been a public face of the business since its founding. Affirm competes with traditional credit-card issuers, other BNPL providers and fintech lenders by positioning its products as a transparent, easy-to-use alternative to revolving credit and payday-style options.

Key Stats

• Today's Range: $70.37 to $74.46
• 50-Day Range: $62.81 to $85.78
• 52-Week Range: $42.10 to $100.00
• Volume: 2.52 million shs
• Average Volume: 3.51 million shs
• Market Capitalization: $23.95 billion
• P/E Ratio: 65.01
• Dividend Yield: N/A
• Price Target: $92.74
• Consensus Rating: Moderate Buy

Affirm Stock Analysis - MarketRank™

Affirm scored higher than 93% of companies evaluated by MarketBeat, and ranked 109th out of 849 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 2.87, and is based on 3 strong buy ratings, 21 buy ratings, 7 hold ratings, and no sell ratings.

Upside Potential

Affirm has a consensus price target of $92.74, representing about 29.7% upside from its current price of $71.51.

Amount of Analyst Coverage

Affirm has been the subject of 24 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 39.84%

Earnings Growth

Earnings for Affirm are expected to grow by 39.84% in the coming year, from $1.23 to $1.72 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Affirm is 65.01, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 46.01.

Price to Earnings Ratio vs. Sector

The P/E ratio of Affirm is 65.01, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 28.67.

Price to Earnings Growth Ratio

Affirm has a PEG Ratio of 2.91. 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 7.58. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

5.61% 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 4.58.

Change versus previous month

Short interest in Affirm has recently decreased by 13.45%, indicating that investor sentiment is improving significantly.

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: 4.5 / 5
• News Sentiment: 1.13

News Sentiment

Affirm has a news sentiment score of 1.13. 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 is a higher news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for Affirm this week, compared to 9 articles on an average week.

Search Interest

22 people have searched for AFRM on MarketBeat in the last 30 days. This is an increase of 16% compared to the previous 30 days.

MarketBeat Follows

12 people have added Affirm to their MarketBeat watchlist in the last 30 days. This is an increase of 300% 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 $8,134,000.00 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: 5/07/2026
• Today: 8/01/2026
• Next Earnings (Estimated): 8/27/2026
• 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: 2,206
• Year Founded: 2012

Price Target and Rating

• Average Price Target for Affirm: $92.74
• High Price Target: $117.00
• Low Price Target: $75.00
• Potential Upside/Downside: +29.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.87
• Research Coverage: 31 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.10
• Trailing P/E Ratio: 65.01
• Forward P/E Ratio: 58.14
• P/E Growth: 2.91
• Net Income: $52.19 million
• Net Margins: 9.63%
• Pretax Margin: 9.95%
• Return on Equity: 11.17%
• Return on Assets: 3.14%

Debt

• Debt-to-Equity Ratio: 2.39
• Current Ratio: 11.32
• Quick Ratio: 11.32

Sales & Book Value

• Annual Sales: $3.24 billion
• Price / Sales: 7.38
• Cash Flow: $0.24 per share
• Price / Cash Flow: 301.09
• Book Value: $9.44 per share
• Price / Book: 7.58

Miscellaneous

• Outstanding Shares: 334,900,000
• Free Float: 298,027,000
• Market Cap: $23.95 billion
• Optionable: Optionable
• Beta: 3.67