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 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.
Ticker
$AFRM
Sector
Primary listing
Employees
2,206
Headquarters
Website
Affirm Metrics
BasicAdvanced
$25B
113.96
$0.67
3.57
-
Price and volume
Market cap
$25B
Beta
3.57
52-week high
$100.00
52-week low
$30.90
Average daily volume
5.7M
Financial strength
Current ratio
14.612
Quick ratio
10.262
Long term debt to equity
240.869
Total debt to equity
241.242
Interest coverage (TTM)
12.00%
Profitability
EBITDA (TTM)
393.958
Gross margin (TTM)
47.76%
Net profit margin (TTM)
6.74%
Operating margin (TTM)
3.15%
Effective tax rate (TTM)
4.00%
Revenue per employee (TTM)
$1,570,000
Management effectiveness
Return on assets (TTM)
0.63%
Return on equity (TTM)
7.60%
Valuation
Price to earnings (TTM)
113.964
Price to revenue (TTM)
7.18
Price to book
7.63
Price to tangible book (TTM)
9.13
Price to free cash flow (TTM)
32.288
Free cash flow yield (TTM)
3.10%
Free cash flow per share (TTM)
2.361
Growth
Revenue change (TTM)
37.00%
Earnings per share change (TTM)
-146.98%
3-year revenue growth (CAGR)
33.88%
3-year earnings per share growth (CAGR)
-33.52%
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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FAQs
What’s the current market cap for Affirm stock?
Affirm (AFRM) has a market cap of $25B as of December 22, 2025.
What is the P/E ratio for Affirm stock?
The price to earnings (P/E) ratio for Affirm (AFRM) stock is 113.96 as of December 22, 2025.
Does Affirm stock pay dividends?
No, Affirm (AFRM) stock does not pay dividends to its shareholders as of December 22, 2025.
When is the next Affirm dividend payment date?
Affirm (AFRM) stock does not pay dividends to its shareholders.
What is the beta indicator for Affirm?
Affirm (AFRM) has a beta rating of 3.57. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.