Affirm (AFRM) Stock Price, News & Analysis

Company Overview

Affirm Holdings, Inc. (NASDAQ: AFRM) is a financial technology company that offers point-of-sale financing solutions to consumers and merchants. Based in San Francisco, the company was founded in 2012 by PayPal co-founder Max Levchin and a team of entrepreneurs. Affirm’s primary business activities center on providing transparent, fixed-term installment loans at the time of purchase, allowing shoppers to split the cost of goods and services into manageable payments without hidden fees or compounding interest.

Through its digital platform, Affirm enables merchants to integrate “buy now, pay later” options into their online and in-store checkout experiences. Consumers can access products such as Pay-in-4, which divides purchases into four interest-free payments, and longer-term financing plans that carry a simple interest rate disclosed upfront. In addition to its core lending products, Affirm has expanded its services to include high-yield savings accounts, a virtual debit card, and Loyalty+—a rewards program designed to drive repeat business for retail partners.

Since its founding, Affirm has grown its merchant network to include major brands across apparel, electronics, travel and home goods, primarily serving customers in the United States with selective expansion into Canada and the United Kingdom. The company went public in January 2021, and its technology-driven underwriting models leverage consumer data to assess creditworthiness in real time. Leadership is anchored by co-founder Max Levchin, who serves as chairman and chief executive officer, overseeing product innovation and strategic partnerships.

Affirm operates in a competitive landscape that includes traditional credit issuers as well as emerging “buy now, pay later” firms. By promoting transparency and simplicity in its lending terms, the company aims to differentiate itself and foster long-term customer relationships. As digital payments continue to evolve, Affirm’s platform-based approach seeks to align consumer buying power with merchant sales growth while maintaining regulatory compliance and risk controls.

Key Stats

• Today's Range: $85.13 to $91.34
• 50-Day Range: $64.05 to $88.46
• 52-Week Range: $30.90 to $100.00
• Volume: 14.05 million shs
• Average Volume: 7.47 million shs
• Market Capitalization: $28.92 billion
• P/E Ratio: 689.75
• Dividend Yield: N/A
• Price Target: $79.04
• Consensus Rating: Moderate Buy

Affirm Stock Analysis - MarketRank™

Affirm scored higher than 43% of companies evaluated by MarketBeat, and ranked 466th out of 653 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Affirm has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 18 buy ratings, 11 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Affirm has been the subject of 21 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Affirm are expected to grow in the coming year, from ($0.18) to $0.62 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Affirm is 689.75, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 273.33.

Price to Earnings Ratio vs. Sector

The P/E ratio of Affirm is 689.75, which means that it is trading at a more expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 418.98.

Price to Earnings Growth Ratio

Affirm has a PEG Ratio of 3.29. 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 10.21. 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

6.75% 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 3.2, 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 10.96%, indicating that investor sentiment is decreasing 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

6.75% 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 3.2, 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 10.96%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.33

News Sentiment

Affirm has a news sentiment score of 0.33. 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 lower news sentiment than the 0.73 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 31 news articles for Affirm this week, compared to 4 articles on an average week.

Search Interest

64 people have searched for AFRM on MarketBeat in the last 30 days. This is an increase of 137% compared to the previous 30 days.

MarketBeat Follows

14 people have added Affirm to their MarketBeat watchlist in the last 30 days. This is an increase of 27% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 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 $98,925,256.00 in company stock.

Percentage Held by Insiders

11.82% 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.

AFRM Stock Analysis - Frequently Asked Questions

How have AFRM shares performed this year?

Affirm's stock was trading at $60.90 at the beginning of the year. Since then, AFRM stock has increased by 47.2% and is now trading at $89.66.

How were Affirm's earnings last quarter?

Affirm Holdings, Inc. (NASDAQ:AFRM) posted its quarterly earnings results on Thursday, August, 28th. The company reported $0.20 earnings per share for the quarter, topping the consensus estimate of $0.11 by $0.09. Affirm's quarterly revenue was up 32.9% on a year-over-year basis.
Read the conference call transcript.

When did Affirm IPO?

Affirm (AFRM) raised $873 million in an initial public offering on Wednesday, January 13th 2021. The company issued 24,600,000 shares at $33.00-$38.00 per share. Morgan Stanley, Goldman Sachs and Allen & Company served as the underwriters for the IPO and RBC Capital Markets, Credit Suisse, Barclays, Truist Securities, Siebert Williams Shank and Deutsche Bank Securities were co-managers.

Who are Affirm's major shareholders?

Top institutional investors of Affirm include Vanguard Group Inc. (7.50%), Durable Capital Partners LP (2.29%), Geode Capital Management LLC (1.44%) and State Street Corp (1.38%). Insiders that own company stock include Private Ltd Gic, Siphelele Jiyane, Libor Michalek, Christa S Quarles, Katherine Adkins, Michael Linford, Noel Bertram Watson, Keith Rabois, Robert O'hare and Max R Levchin.
View institutional ownership trends.

How do I buy shares of Affirm?

Shares of AFRM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Affirm own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Affirm investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), CrowdStrike (CRWD), Salesforce (CRM) and Adobe (ADBE).

Company Calendar

• Last Earnings: 8/28/2025
• Today: 9/04/2025
• Next Earnings (Estimated): 11/06/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Computer and Technology
• Industry: INTERNET SOFTWARE
• Sub-Industry: Banking
• Current Symbol: NASDAQ:AFRM
• CIK: 1820953
• Web: www.affirm.com
• Phone: 415-984-0490
• Fax: N/A
• Employees: 2,006
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Affirm: $79.04
• High Price Target: $108.00
• Low Price Target: $45.00
• Potential Upside/Downside: -11.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 30 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.13
• Trailing P/E Ratio: 685.08
• Forward P/E Ratio: N/A
• P/E Growth: 3.29
• Net Income: -$517.76 million
• Net Margins: 1.62%
• Pretax Margin: 1.91%
• Return on Equity: 1.80%
• Return on Assets: 0.49%

Debt

• Debt-to-Equity Ratio: 2.55
• Current Ratio: 11.54
• Quick Ratio: 11.47

Sales & Book Value

• Annual Sales: $3.22 billion
• Price / Sales: 8.90
• Cash Flow: $0.24 per share
• Price / Cash Flow: 369.59
• Book Value: $8.78 per share
• Price / Book: 10.14

Miscellaneous

• Outstanding Shares: 322,600,000
• Free Float: 284,469,000
• Market Cap: $28.71 billion
• Optionable: Optionable
• Beta: 3.64