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Affirm Holdings, Inc. (AFRM)

64.28 +0.80 (+1.26%)
At close: 4:00:00 PM EDT
64.42 +0.14 (+0.22%)
After hours: 7:14:13 PM EDT
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News headlines Affirm Holdings (AFRM) is gearing up for its Q1 earnings release on May 7, with a consensus EPS of $0.17 and revenue of $997.92 million. Despite recent promotions and a strong revenue backdrop, valuation concerns persist amid increased competition and credit risks.

Affirm Holdings (AFRM) is gearing up for its Q1 earnings release on May 7, with a consensus EPS of $0.17 and revenue of $997.92 million. Despite recent promotions and a strong revenue backdrop, valuation concerns persist amid increased competition and credit risks.

Updated 26m ago · Powered by Yahoo Scout
  • Previous Close 63.48
  • Open 63.12
  • Bid 64.20 x 300
  • Ask 64.35 x 1700
  • Day's Range 61.70 - 65.13
  • 52 Week Range 42.10 - 100.00
  • Volume 4,847,678
  • Avg. Volume 6,366,245
  • Market Cap (intraday) 21.412B
  • Beta (5Y Monthly) 3.63
  • PE Ratio (TTM) 79.36
  • EPS (TTM) 0.81
  • Earnings Date May 7, 2026
  • Forward Dividend & Yield --
  • Ex-Dividend Date --
  • 1y Target Est 79.08

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. 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 industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

www.affirm.com

2,206

Full Time Employees

June 30

Fiscal Year Ends

Performance Overview: AFRM

Trailing total returns as of 4/30/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

AFRM
13.64%
S&P 500 (^GSPC)
5.31%

1-Year Return

AFRM
29.18%
S&P 500 (^GSPC)
29.45%

3-Year Return

AFRM
551.93%
S&P 500 (^GSPC)
72.90%

5-Year Return

AFRM
8.82%
S&P 500 (^GSPC)
72.42%

Earnings Trends: AFRM

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized
 

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue 1.12B
Earnings 252.01M

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
200M
400M
600M
800M
1B
 

Analyst Insights: AFRM

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Analyst Price Targets

53.00 Low
79.08 Average
64.28 Current
100.00 High
 

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell
 

Latest Rating

Date 4/24/2026
Analyst Truist Securities
Rating Action Maintains
Rating Buy
Price Action Raises
Price Target 71 -> 75
 

Statistics: AFRM

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Valuation Measures

Annual
As of 4/29/2026
  • Market Cap

    21.15B

  • Enterprise Value

    28.08B

  • Trailing P/E

    78.37

  • Forward P/E

    37.17

  • PEG Ratio (5yr expected)

    0.77

  • Price/Sales (ttm)

    6.07

  • Price/Book (mrq)

    5.96

  • Enterprise Value/Revenue

    7.56

  • Enterprise Value/EBITDA

    28.28

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    7.60%

  • Return on Assets (ttm)

    1.23%

  • Return on Equity (ttm)

    8.92%

  • Revenue (ttm)

    3.72B

  • Net Income Avi to Common (ttm)

    282.33M

  • Diluted EPS (ttm)

    0.81

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    1.56B

  • Total Debt/Equity (mrq)

    258.87%

  • Levered Free Cash Flow (ttm)

    457.45M

Compare To: AFRM

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Company Insights: AFRM

Fair Value

64.28 Current
 

Dividend Score

0 Low
Sector Avg.
100 High
 

Hiring Score

0 Low
Sector Avg.
100 High
 

Insider Sentiment Score

0 Low
Sector Avg.
100 High
 

Research Reports: AFRM

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  • Consumer Finance Firms Fall on AI-Driven Macro Fears

    Founded in 2012, Affirm is a market leader in the buy-now, pay-later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm’s transaction volume comes from its interest-bearing loans, which also comprise the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but the firm has also expanded to Canada and the United Kingdom.

    Rating
    Price Target
     
  • Affirm Earnings: Strong Demand for Buy Now, Pay Later Supports Rapid Revenue Growth

    Founded in 2012, Affirm is a market leader in the buy-now, pay-later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm’s transaction volume comes from its interest-bearing loans, which also comprise the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but the firm has also expanded to Canada and the United Kingdom.

    Rating
    Price Target
     
  • President Donald Trump Calls for a One-Year Cap on Credit Card Interest Rates

    Founded in 2012, Affirm is a market leader in the buy-now, pay-later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm’s transaction volume comes from its interest-bearing loans, which also comprise the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but the firm has also expanded to Canada and the United Kingdom.

    Rating
    Price Target
     
  • President Donald Trump Calls for a One-Year Cap on Credit Card Interest Rates

    Founded in 2012, Affirm is a market leader in the buy-now, pay-later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm’s transaction volume comes from its interest-bearing loans, which also comprise the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but the firm has also expanded to Canada and the United Kingdom.

    Rating
    Price Target
     

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