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
$27B
542.91
$0.15
3.65
-

What the Analysts think about Affirm

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

Bulls say / Bears say

Starting April 1, Affirm will report all of its buy-now-pay-later loan data to Experian, increasing transparency and potentially supporting better credit underwriting industrywide.
JPMorgan Chase will start offering Affirm’s installment products to its merchant clients, expanding Affirm’s reach to Chase’s large network and strengthening its role in merchant commerce solutions.
In its fiscal third quarter, Affirm achieved a 36% year-over-year increase in both gross merchandise value to $8.6 billion and revenue to $783.1 million, also posting GAAP profitability with EPS of $0.01, indicating continued operational growth.
Affirm’s exclusivity at Walmart was disrupted when Klarna and OnePay launched installment loans for Walmart shoppers, causing Affirm shares to fall about 12%, highlighting rising competition in key merchant partnerships.
The provision for credit losses rose 20.3% year-over-year to $147.3 million in the fiscal third quarter, pointing to increased borrower defaults and higher underwriting risk.
Affirm’s fourth-quarter revenue guidance of $815–$845 million, with a midpoint of $830 million, misses the $841 million analysts expected, signaling a possible slowdown in revenue growth.
Data summarised monthly by Lightyear AI. Last updated on 5 Sept 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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