Affirm/$AFRM
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About Affirm
Affirm Holdings Inc 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 constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
- Ticker
- $AFRM
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,358
- Headquarters
- San Francisco, United States
- Website
- www.affirm.com
Affirm Metrics
BasicAdvanced
$25B
13.43
$5.53
3.62
-
Price and volume
Market cap
$25B
Beta
3.62
52-week high
$93.20
52-week low
$42.10
Average daily volume
4.5M
Financial strength
Current ratio
11.976
Quick ratio
8.364
Long term debt to equity
182.67
Total debt to equity
182.77
Interest coverage (TTM)
38.71%
Profitability
EBITDA (TTM)
739.194
Gross margin (TTM)
48.93%
Net profit margin (TTM)
45.29%
Operating margin (TTM)
9.79%
Effective tax rate (TTM)
-291.66%
Revenue per employee (TTM)
$1,810,000
Management effectiveness
Return on assets (TTM)
1.93%
Return on equity (TTM)
45.13%
Valuation
Price to earnings (TTM)
13.431
Price to revenue (TTM)
5.844
Price to book
4.57
Price to tangible book (TTM)
5.08
Price to free cash flow (TTM)
25.087
Free cash flow yield (TTM)
3.99%
Free cash flow per share (TTM)
2.962
Growth
Revenue change (TTM)
32.15%
Earnings per share change (TTM)
3,515.00%
3-year revenue growth (CAGR)
38.96%
3-year earnings per share growth (CAGR)
18.36%
What the Analysts think about Affirm
Analyst ratings (Buy, Hold, Sell) for Affirm stock.
Affirm Financial Performance
Revenues and expenses
Affirm Earnings Performance
Company profitability
Affirm News
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