Affirm/$AFRM
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About Affirm
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 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
Primary listing
Employees
2,206
Headquarters
Website
Affirm Metrics
BasicAdvanced
$25bn
71.16
$1.06
3.72
-
Price and volume
Market cap
$25bn
Beta
3.72
52-week high
$100.00
52-week low
$42.10
Average daily volume
4.3m
Financial strength
Current ratio
13.542
Quick ratio
9.572
Long term debt to equity
240.179
Total debt to equity
240.279
Interest coverage (TTM)
30.39%
Profitability
EBITDA (TTM)
631.559
Gross margin (TTM)
48.37%
Net profit margin (TTM)
9.63%
Operating margin (TTM)
8.25%
Effective tax rate (TTM)
3.24%
Revenue per employee (TTM)
$1,800,000
Management effectiveness
Return on assets (TTM)
1.74%
Return on equity (TTM)
11.49%
Valuation
Price to earnings (TTM)
71.162
Price to revenue (TTM)
6.299
Price to book
6.67
Price to tangible book (TTM)
7.82
Price to free cash flow (TTM)
31.791
Free cash flow yield (TTM)
3.15%
Free cash flow per share (TTM)
2.369
Growth
Revenue change (TTM)
32.07%
Earnings per share change (TTM)
-644.57%
3-year revenue growth (CAGR)
38.15%
3-year earnings per share growth (CAGR)
-31.56%
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
AllArticlesVideos
NATO leaders to affirm 'ironclad commitment' to collective defence in Ankara, summit text says
Reuters·3 weeks ago
Affirm now available across Bed Bath & Beyond's brands, giving shoppers more flexibility for the purchases that make a house feel like home
Business Wire·3 weeks ago
Thursday's Morning Movers: CRWV Buy Rating, AFRM Downgrade, DRI Earnings
Schwab Network·4 weeks ago
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