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Affirm Holdings, Inc. AFRM

Financial — Credit Services
Cash Flow Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
84.17
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — 1 2 — — 1 1 1 — 2 4
Insider Ownership
15.32%

Capital & Financial Ratios

Market Cap
23,870.00
Revenue
4,261.08
Net Income
1,929.79
Free Cash Flow
992.63
Net Debt
6,587.93
Current Ratio
11.80
Debt/Equity
1.82
P/E ratio
12.47
P/S ratio
5.60
P/B ratio
4.35
Past 5Y EPS Growth
(26.16%)
This Y EPS Growth
(64.19%)
Next Y EPS Growth
45.19%
Next 5Y EPS Growth
(10.40%)
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2025 ‡‡‡
2024 ‡‡‡
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 2026
Cash 2,434.67 2,427.06 2,627.85 3,405.69
Receivables 199.09 353.03 426.18 284.35
Inventory — — — —
Other — — — —
2,633.76 2,780.09 3,054.03 3,690.04
2023 2024 2025 2026
Payables 28.60 41.02 82.82 84.65
ST’ Debt 219.00 — — —
Other 142.00 — — —
222.98 212.78 264.56 312.71
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡ ‡‡‡‡‡
Earnings — ‡‡‡ ‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Sep Dec Mar Jun Year
’26 — — — —
—
’26 933.34 1,123.02 1,038.77 1,165.96
4,261.08
’25 698.48 866.38 783.14 876.42
3,224.41
’24 496.55 591.11 576.16 659.19
2,323.00
’23 361.62 399.56 380.98 445.83
1,587.99
’22 269.39 361.01 354.76 364.13
1,349.29
’21 173.98 204.04 230.67 261.78
870.46
in millions of $

Operating Cash Flow

Sep Dec Mar Jun Year
’26 — — — —
—
’26 374.57 173.74 386.50 296.16
1,230.97
’25 196.87 312.02 210.39 74.64
793.91
’24 98.90 74.32 208.15 68.76
450.14
’23 51.22 (28.55) (54.27) 43.79
12.18
’22 365.15 (440.25) (27.98) (59.11)
(162.19)
’21 (2.30) (47.65) (123.26) (19.91)
(193.13)
in millions of $

Free Cash Flow

Sep Dec Mar Jun Year
’26 — — — —
—
’26 320.21 118.03 325.10 229.29
992.63
’25 152.72 268.11 157.38 23.52
601.72
’24 63.09 35.57 161.68 30.51
290.84
’23 20.06 (62.80) (84.79) 18.93
(108.59)
’22 348.80 (462.07) (49.08) (111.56)
(273.90)
’21 (6.47) (50.55) (128.61) (27.75)
(213.38)
in millions of $

EPS

Sep Dec Mar Jun Year
’26 — — — —
—
’26 0.23 0.37 0.30 4.62
5.53
’25 (0.31) 0.23 0.01 0.20
0.15
’24 (0.57) (0.54) (0.43) (0.14)
(1.67)
’23 (0.86) (1.10) (0.69) (0.69)
(3.34)
’22 (1.13) (0.57) (0.19) (0.65)
(2.51)
’21 (0.06) (0.45) (1.06) (0.48)
(2.88)

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1.5
1
Buy
2
3
Hold
4
5
Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
— — — — ‡‡‡‡ 8.62 8.80 22.25 30.90 42.10 — — —
Low Price
— — — — ‡‡‡‡‡ 102.21 52.48 73.34 100.00 90.44 — — —
High Price
— — — ‡‡‡‡‡ ‡‡‡‡‡ 2,552 2,171 2,006 2,206 2,358 — — —
Employees
— — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.53 0.73 1.16 1.46 1.81 — — —
Revenue/Emp
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,349.29 1,587.99 2,323.00 3,224.41 4,261.08 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 52.11% 33.49% 48.80% 54.32% 57.41% — — —
Gross Margin
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (724.83) (989.24) (515.53) 61.46 492.73 — — —
EBT
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (53.72%) (62.30%) (22.19%) 1.91% 11.56% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡ — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (707.42) (985.34) (517.76) 52.19 1,929.79 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.16) 63.56 56.15 25.03 9.60 — — —
Depreciation
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.79 5.38 7.50 9.99 12.71 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.51) (3.34) (1.67) 0.16 5.76 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.58) 0.04 1.45 2.46 3.67 — — —
Cash Flow/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.40) (0.41) (0.51) (0.60) (0.71) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.97) (0.37) 0.94 1.86 2.96 — — —
Free CF/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.29 8.58 8.82 9.51 16.36 — — —
Book Value/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 281.70 295.34 309.86 322.85 335.16 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— — ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 432.13 14.28 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.77 2.85 3.98 6.92 6.41 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— — ‡‡‡ ‡‡‡ ‡‡‡‡‡ 1.94 1.79 3.38 7.27 4.98 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.47 4.86 5.85 8.59 8.01 ‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (24.28) (71.00) 46.72 46.05 34.37 — — —
EV/FCF
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (162.19) 12.18 450.14 793.91 1,230.97 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (111.70) (120.77) (159.30) (192.19) (238.35) ‡‡‡‡‡ — —
Capex
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (273.90) (108.59) 290.84 601.72 992.63 — — —
FCF
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,013.57 2,410.78 2,567.32 2,789.47 3,377.33 — — —
Working Cap'
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,094.21 5,617.45 6,574.86 7,821.36 9,993.62 — — —
Total Debt
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 945.36 3,182.78 4,147.79 5,193.52 6,587.93 — — —
Net Debt
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,618.26 2,534.18 2,731.99 3,069.01 5,483.82 — — —
Sh' Equity
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11.95%) (13.03%) (5.86%) 0.50% 14.32% — — —
ROA
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (15.19%) (13.13%) (5.59%) (0.66%) 2.16% — — —
ROIC
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (27.24%) (38.25%) (19.66%) 1.80% 45.13% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Affirm Holdings (AFRM), the BNPL disruptor from PayPal Mafia founder Max Levchin, has roared back with explosive revenue growth—356% from $509 million in 2020 to $2.32 billion in 2024—driven by key partnerships like Shopify and Amazon, and projected to hit $6.41 billion by 2028. The company flipped to profitability in 2024 with $52 million net income and $291 million free cash flow, a stark turnaround from prior losses, bolstered by rebounding gross margins to 48.8% and efficiency gains like revenue per employee doubling to $1.16 million.

Yet, shadows loom: debt has surged 470% to $6.57 billion, amplifying rate sensitivity, while massive insider selling—over $220 million in 2025 alone, including CEO dumps totaling $638 million—signals caution amid the profit pivot. Stock volatility mirrors the saga, crashing 95% post-IPO highs before recent rebounds to ~$50 levels.

Wall Street’s average price target implies 78% upside, betting on AI underwriting, international expansion, and BNPL’s $50B+ market, but risks like regulatory probes, competition, and default spikes temper the rally. Is Affirm’s comeback resilient or a debt-fueled mirage? Dive into the full analysis for the contrarian edge.

Read full commentary →

Affirm Holdings, Inc. (AFRM) Latest News

News by impact score

Fine-tune

18 Sep

4 , 9:24 AM
Affirm Holdings upgrades AI systems to strengthen credit underwriting capabilities. AI upgrade directly improves core credit processes and competitive positioning for Affirm.

3 , 1:16 PM
Sezzle marketing ROI strengthens, prompting questions on whether efficient spending can sustain growth in the buy-now-pay-later space. Sezzle efficiency gains add competitive pressure on Affirm in overlapping buy-now-pay-later markets.

17 Sep

4 , 6:55 AM
Affirm Holdings launches transformer-based machine learning model for real-time underwriting. Transformer-based ML model deployment targets core underwriting operations and can materially improve speed, accuracy and competitive positioning.

3 , 11:28 AM
Affirm Holdings (AFRM) shows potential to reach a $200 stock price driven by growth in its buy-now-pay-later platform and expanding market position. Speculative valuation targets may moderately lift investor sentiment without altering core operations.

14 Sep

4 stocktwits.com, 8:02 AM
Wolfe Research upgraded Affirm Holdings to Outperform on more compelling valuation following strong Q4 results. Analyst upgrade after strong quarterly results signals major positive shift in investor sentiment and stock trajectory.

12 Sep

3 www.barchart.com, 9:00 AM
Goldman Sachs is bullish on Affirm Holdings (AFRM), listing three reasons the stock could climb 69%. Goldman Sachs bullish note on AFRM highlights potential for notable short-term stock gains driven by analyst sentiment.

4 Sep

3 , 12:56 PM
Consumer pressure is rising yet demand grows for Affirm Holdings' services. Mixed consumer pressure and rising demand point to limited but noticeable effects on Affirm's trajectory.

3 , 10:41 AM
PayPal's BNPL and credit products show growth that may create further upside for Affirm Holdings in the competitive buy now pay later space. PayPal BNPL expansion creates moderate competitive pressure on Affirm's positioning and sentiment.

3 Sep

3 , 11:10 PM
Analysts raised Affirm Holdings fair value estimate after endorsing its growth roadmap, lifting AFRM stock. Analyst backing of growth plans produces fair value increase with moderate effect on stock trajectory.

2 Sep

4 www.thestreet.com, 10:07 AM
Affirm CEO warns U.S. consumers face mounting difficulties even as demand for the company's services surges sharply. Demand surge signals near-term revenue growth while consumer warnings point to elevated credit and usage risks ahead.

3 247wallst.com, 11:45 AM
Affirm shares rally 6% after Bank of America issues a $104 price target. Sezzle climbs 4% and PayPal rises 3%. BofA price target drives Affirm stock gain and short-term sentiment shift without altering long-term fundamentals.

1 Sep

4 , 6:08 AM
Affirm is betting big on its card product as the next phase of growth. Strategic focus on card product represents major move likely to significantly impact Affirm's trajectory.

3 www.thestreet.com, 3:47 PM
Bank of America recommends investors buy Affirm Holdings (AFRM) shares, labeling the fintech stock a hidden-value opportunity. Bank of America buy call on AFRM can lift near-term sentiment and trading activity without altering core business trajectory.

3 www.paymentsdive.com, 6:34 AM
Affirm leverages 0% interest promotions to attract merchants and consumers, driving higher transaction volumes and strengthening its position in the buy-now-pay-later market. 0% interest strategy supports core operations and user growth but faces limits from funding costs and competition.

31 Aug

4 , 2:28 PM
Affirm beat Q4 earnings expectations driven by strong GMV growth and rising card adoption. Q4 earnings beat with GMV growth and card adoption signals improved performance likely to shift stock trajectory and sentiment.

4 transcript www.fool.com, 9:21 AM
Affirm Holdings reported Q4 2026 results in its earnings call, covering revenue, net losses, user growth, and forward guidance on lending volumes and partnerships. Quarterly earnings calls deliver core financial metrics and outlook that typically drive immediate stock moves and valuation shifts.

30 Aug

3 , 1:58 PM
Affirm reported a blowout quarter with strong results, yet its CEO expressed caution about consumer financial health and spending patterns. Strong quarterly results offset by CEO caution on consumer trends point to moderate effects on Affirm's outlook and stock performance.

29 Aug

3 , 3:08 AM
Affirm Holdings expands operations in Australia and appoints Michael Linford as President. Australia expansion adds international market access and president role supports operational scaling.

28 Aug

4 , 5:12 PM
Affirm Holdings (AFRM) shares have skyrocketed. Sharp share price rise signals major positive shift in market sentiment and valuation trajectory.

4 , 2:24 PM
Affirm's Q2 results highlight strengthening network effects in its platform, continued product expansions, and measurable progress toward sustained profitability that are shaping an improved company outlook. Network effects, product expansion, and profitability gains represent major strategic drivers that can significantly alter Affirm's trajectory and investor sentiment.

4 qz.com, 1:37 PM
Affirm Holdings beat Q4 2026 earnings estimates, with revenue and GMV exceeding projections. Earnings and GMV beats signal stronger financial results that can shift company trajectory and investor sentiment.

4 stocktwits.com, 10:02 AM
AFRM stock reaches 11-month high as CEO states over 30% growth shows no signs of slowing. Over 30% growth and new 11-month stock high point to significant positive effects on AFRM trajectory and sentiment.

4 , 8:48 AM
Affirm Holdings shares rose after earnings release, driven by a major Shopify partnership. Major Shopify deal after earnings points to expanded market reach and revenue growth potential for Affirm.

4 247wallst.com, 8:47 AM
Affirm reports its most profitable quarter ever, sending shares up 13%. PayPal drops 15% after Stripe and Advent abandon a $50 billion buyout. Record quarterly profit directly lifts Affirm shares and near-term market sentiment.

4 transcript app.moby.co, 8:30 AM
Affirm Holdings reported Q4 2026 earnings results, covering revenue, loan volumes, and forward guidance in its earnings call. Quarterly earnings results and guidance directly shape investor views on revenue trajectory and valuation.

4 , 1:01 AM
Affirm Holdings Inc achieved record profitability in Q4 2026 earnings call. Record profitability from earnings call indicates strong results likely to lift stock trajectory and investor sentiment.

3 , 10:15 PM
Affirm Holdings beat earnings forecasts, raised guidance and drew questions over full valuation. Earnings beat plus raised guidance can shift near-term sentiment and valuation.

3 , 10:25 AM
RBC analysts state Affirm Holdings continues to distinguish itself from peers in the buy now pay later sector. RBC analyst endorsement underscores Affirm's competitive strength in buy now pay later and may lift near-term investor sentiment.

3 , 9:55 AM
Affirm Holdings is re-entering the Australian market with buy now pay later services, positioning the move as a potential growth catalyst while facing questions on its scale and profitability impact. Australia re-entry may expand operations modestly but remains secondary to Affirm's core US market dynamics.

3 www.investopedia.com, 8:47 AM
Analysts predict a breakout for Affirm Holdings stock driven by positive technical signals and market positioning. Analyst breakout forecasts can moderately shift Affirm investor sentiment without altering core operations.
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