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
Headquarters
Website
Affirm Metrics
BasicAdvanced
$29B
590.75
$0.15
3.65
-
Price and volume
Market cap
$29B
Beta
3.65
52-week high
$100.00
52-week low
$30.90
Average daily volume
8.9M
Financial strength
Current ratio
11.519
Quick ratio
9.142
Long term debt to equity
255.351
Total debt to equity
255.891
Interest coverage (TTM)
-12.24%
Profitability
EBITDA (TTM)
185.01
Gross margin (TTM)
45.97%
Net profit margin (TTM)
1.62%
Operating margin (TTM)
-2.71%
Effective tax rate (TTM)
15.10%
Revenue per employee (TTM)
$1,460,000
Management effectiveness
Return on assets (TTM)
-0.53%
Return on equity (TTM)
1.80%
Valuation
Price to earnings (TTM)
590.745
Price to revenue (TTM)
9.052
Price to book
9.67
Price to tangible book (TTM)
11.76
Price to free cash flow (TTM)
48.504
Free cash flow yield (TTM)
2.06%
Free cash flow per share (TTM)
1.864
Growth
Revenue change (TTM)
38.80%
Earnings per share change (TTM)
-109.16%
3-year revenue growth (CAGR)
33.69%
3-year earnings per share growth (CAGR)
-60.65%
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
Affirm Earnings Performance
Company profitability
Affirm News
AllArticlesVideos
Vagaro partners with Affirm to offer a smarter, more flexible way to pay for wellness and beauty services
Business Wire3 days ago
Affirm live for in-store purchases with Apple Pay on iPhone
Business Wire3 days ago
Consumers love buy now, pay later loans. Here's why banks and credit card companies are wary of them
CNBC5 days ago
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.
Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Affirm stock?
Affirm (AFRM) has a market cap of $29B as of September 19, 2025.
What is the P/E ratio for Affirm stock?
The price to earnings (P/E) ratio for Affirm (AFRM) stock is 590.75 as of September 19, 2025.
Does Affirm stock pay dividends?
No, Affirm (AFRM) stock does not pay dividends to its shareholders as of September 19, 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 3.65. 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.