Affirm Holdings, Inc. (AFRM)
| Market Cap | 23.97B -18.6% |
| Revenue (ttm) | 4.26B +32.2% |
| Net Income | 1.93B +3,597.9% |
| EPS | 5.53 +3,515.0% |
| Shares Out | 337.42M |
| PE Ratio | 12.84 |
| Forward PE | 35.66 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 4,017,545 |
| Open | 72.40 |
| Previous Close | 71.21 |
| Day's Range | 70.04 - 73.16 |
| 52-Week Range | 42.10 - 91.08 |
| Beta | 3.61 |
| Analysts | Buy |
| Price Target | 99.09 (+39.47%) |
| Earnings Date | Nov 5, 2026 |
About AFRM
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company’s commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company’s merchants represent a range of in... [Read more]
Financial Performance
In fiscal year 2026, Affirm Holdings's revenue was $4.26 billion, an increase of 32.15% compared to the previous year's $3.22 billion. Earnings were $1.93 billion, an increase of 3597.91%.
Financial StatementsAnalyst Summary
According to 35 analysts, the average rating for AFRM stock is "Buy." The 12-month stock price target is $99.09, which is an increase of 39.47% from the latest price.
News
Affirm Bets on Where Borrowers Are Headed
Watch more: Monday Conversation With Affirm's Libor Michalek Picture someone who had a bad year. A few bills went unpaid, and their credit score took the hit.
Never had to cut staff to buy more AI tokens, says Affirm CEO as it rolls out AI underwriting
Max Levchin, Affirm CEO, joins 'Closing Bell Overtime' to talk its new AI underwriting system, his optimism around the technology, why he says Affirm has not had to cut staff to implement AI, and more...
New Bank Approvals Are Surging. What's Behind the Boom.
Over the past 18 months, 40 wannabe bankers have filed for charters with the Comptroller of the Currency. So far, 21 have been approved.
EXCLUSIVE: Affirm Rebuilds Underwriting to Approve Borrowers a Credit Score Can't See
Affirm has started using a new real-time underwriting model at U.S. checkouts that approves consumers its previous models would have declined, including shoppers with limited credit histories and no F...
Affirm launches transformer-based machine learning model for real-time underwriting
SAN FRANCISCO--(BUSINESS WIRE)--For 14 years, Affirm (NASDAQ: AFRM) has underwritten every purchase individually, in real time, using machine learning models built in-house. That approach is central t...
Bitcoin and crypto stocks remain down after US senate fails to advance regulatory bill
Bitcoin and crypto-related stocks remained lower on Tuesday after the U.S. Senate failed to advance comprehensive cryptocurrency legislation in a major blow for digital asset companies and Re...
Options Corner: AFRM Needs to Reaffirm Technical Strength
Affirm (AFRM) still has some technical repair ahead following the company's post-earnings rally and selloff on the same day, says Rick Ducat. He takes investors through his technical analysis of the s...
Affirm upgraded to Outperform from Peer Perform at Wolfe Research
Wolfe Research upgraded Affirm (AFRM) to Outperform from Peer Perform with a $90 price target The stock’s risk/reward is more favorable following the underperformance since the “strong” fiscal Q4 repo...
US CPI today: 5 stocks that could explode if inflation delivers a surprise
Wall Street is waiting for Friday's CPI report, which could determine whether the Federal Reserve raises interest rates next week. August CPI is expected to rise 0.4% from July and 3.4% from a year ea...
Affirm or SoFi: Why Loop Capital Favors AFRM With a “Buy,” While SOFI Stock Gets a “Hold”
Affirm Holdings ($AFRM) and SoFi Technologies ($SOFI) are both consumer fintech companies, but Loop Capital analyst Reginald Smith sees a better risk-reward setup in Affirm. Smith initiated coverage o...
Loop starts Affirm with Buy on under-penetrated payment opportunity
Loop Capital analyst Reginald Smith initiated coverage of Affirm (AFRM) with a Buy rating and $105 price target The firm views Affirm as one of the highest-quality growth stories in…
Jim Cramer says investors are too focused on AI stocks. Here's where he says to look instead
CNBC's Jim Cramer said investors should look beyond the AI data-center trade as compelling opportunities emerge in other areas of the market. He highlighted aerospace, fintech, health care and energy ...
Affirm Holdings Transcript: Goldman Sachs Communacopia + Technology Conference 2026
A multi-pronged growth strategy targets $100B GMV through product innovation, AI-driven efficiency, and expansion in the U.S. and internationally. Leadership changes have enabled greater focus on new product development, while wallet, ISV, and merchant partnerships drive customer acquisition and engagement.
Affirm initiated with a Buy at Loop Capital
Loop Capital analyst Reginald Smith initiated coverage of Affirm (AFRM) with a Buy rating and $105 price target
Affirm price target raised to $85 from $83 at Truist
Truist analyst Matthew Coad raised the firm’s price target on Affirm (AFRM) to $85 from $83 and keeps a Buy rating on the shares. The firm is updating its model…
Affirm vs. Klarna – Why Scotiabank Rates One Stock a Buy, the Other a Hold
Scotiabank analyst Lance Jessurun initiated coverage of buy now, pay later (BNPL) firms, with a more bullish view on Affirm Holdings ($AFRM) than Klarna ($KLAR). Jessurun prefers Affirm due to…
Scotiabank starts Affirm with an Outperform
As previously reported, Scotiabank initiated coverage of Affirm (AFRM) with an Outperform rating and $95 price target The market still values Affirm like a cyclical, funding-sensitive fintech lender, ...
Affirm initiated with an Outperform at Scotiabank
Scotiabank initiated coverage of Affirm (AFRM) with an Outperform rating and $95 price target
Affirm price target raised to $115 from $106 at Goldman Sachs
Goldman Sachs raised the firm’s price target on Affirm (AFRM) to $115 from $106 and keeps a Buy rating on the shares after its better than expected Q4 results. The…
Affirm price target raised to $97 from $88 at Cantor Fitzgerald
Cantor Fitzgerald raised the firm’s price target on Affirm (AFRM) to $97 from $88 and keeps an Overweight rating on the shares following Q4 earnings. The firm notes Q4 print…
Affirm price target raised to $110 from $100 at Bernstein
Bernstein raised the firm’s price target on Affirm (AFRM) to $110 from $100 and keeps an Outperform rating on the shares. Expectations are almost always high going into Affirm’s earnings…
Affirm CEO Sees Greater BNPL Demand as Gas Prices Climb
The head of buy now, pay later provider Affirm says gas prices are weighing on consumers. “The U.S. consumer undoubtedly sees the higher gas prices, so can't, can't ignore that,” Max Levchin said in a...
Affirm surges on strong outlook, CEO says high gas prices are hitting U.S. shoppers
Buy now, pay later company Affirm reported strong fiscal fourth-quarter earnings and a better-than-expected outlook. CEO Max Levchin told CNBC that high gas prices are weighing on U.S. consumers.
Friday's First Moves: AFRM & GAP Soar on Earnings, ULTA Shows Blemish
Diane King Hall turns to the key earnings movers to close out an overall strong earnings week on Wall Street. She explains why Affirm (AFRM) investors see the fintech firm's report as a big step up fo...
Affirm stock jumps after record profit: why BofA sees a nearly 35% upside
Affirm Holdings AFRM shares rose about 11% in trading on Friday after the buy-now, pay-later company reported stronger-than-expected fourth-quarter results and delivered its most profitable quarter on...