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
$25B
496.12
$0.15
3.65
-
Price and volume
Market cap
$25B
Beta
3.65
52-week high
$100.00
52-week low
$30.90
Average daily volume
6.1M
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)
496.122
Price to revenue (TTM)
7.602
Price to book
8.04
Price to tangible book (TTM)
9.79
Price to free cash flow (TTM)
40.735
Free cash flow yield (TTM)
2.45%
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
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
Affirm Earnings Performance
Company profitability
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FAQs
What’s the current market cap for Affirm stock?
Affirm (AFRM) has a market cap of $25B as of October 30, 2025.
What is the P/E ratio for Affirm stock?
The price to earnings (P/E) ratio for Affirm (AFRM) stock is 496.12 as of October 30, 2025.
Does Affirm stock pay dividends?
No, Affirm (AFRM) stock does not pay dividends to its shareholders as of October 30, 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.