Affirm/$AFRM

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About Affirm

Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks and through virtual card networks, among others. Geographically, it generates a majority share of its revenue from the United States, followed by Canada and other regions.

Ticker

$AFRM
Sector
Primary listing

Employees

2,206

Affirm Metrics

BasicAdvanced
$25B
491.74
$0.15
3.65
-

What the Analysts think about Affirm

Analyst ratings (Buy, Hold, Sell) for Affirm stock.

Bulls say / Bears say

In Q2 FY2025, Affirm’s gross merchandise volume increased 35% year-over-year to $10.1 billion, with revenue up 47% to $866 million, beating Wall Street expectations and highlighting strong transaction growth (Reuters)
The company posted GAAP net income of $80.4 million in Q2 FY2025—its first profit in over a year—reversing a net loss of $166.9 million from the same period last year, and reduced its operating loss to nearly break-even (Reuters)
Affirm increased its full-year fiscal 2025 revenue guidance to a range of $3.13 billion to $3.19 billion, above the consensus estimate of $3.09 billion, showing confidence in ongoing growth momentum (Reuters)
Affirm’s long-standing partnership with Walmart ended in March 2025 when Walmart selected Klarna’s OnePay for buy now, pay later (BNPL) financing, putting approximately 5% of Affirm’s gross merchandise volume and 2% of its adjusted operating income at risk, exposing a vulnerability to merchant concentration (Reuters)
Swedish competitor Klarna’s recent U.S. IPO and positive views from brokers—analysts at Goldman Sachs, Citigroup, and others remain optimistic despite initial losses—point to intensifying competition that could reduce Affirm’s market share and pricing leverage (Reuters)
Industry research firm Redburn reports that standalone BNPL models generate gross margins of only 30 basis points before credit losses and funding expenses, concluding that pure-play BNPL is not sustainable without either diversification or acquisition, underscoring a fundamental profitability issue for Affirm (Financial Times)
Data summarised monthly by Lightyear AI. Last updated on 6 Oct 2025.

Affirm Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Affirm Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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