AFRM$78.95
$78.91
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AI AFRM Summary
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Powered by LiveAIOverall Analysis
HoldAffirm Holdings shows mixed signals, with strong revenue growth and positive thematic alignment in the Buy Now Pay Later (BNPL) sector, but significant concerns regarding profitability, high operational expenses, and a challenging macroeconomic environment affecting consumer credit. Technical indicators are mixed, suggesting potential short-term volatility.
Thematic
Affirm operates in the rapidly growing Buy Now Pay Later (BNPL) sector, which benefits from shifting consumer preferences towards flexible payment options and the continued expansion of e-commerce. Its focus on responsible credit and partnerships with major merchants supports its thematic appeal.
Fundamental
Affirm demonstrates strong revenue growth but struggles with consistent profitability due to high operating expenses and net losses. Its balance sheet shows increasing debt, while cash flow from operations has been variable. Valuation metrics, particularly P/S, remain high given the profitability challenges.
Technical
The stock is trading below key moving averages and exhibits bearish technical signals, with a recent downward trend in price. Momentum indicators suggest weakening buying pressure.
| Factor | Score |
|---|---|
| Buy Now Pay Later (BNPL) Adoption | 90 |
| E-commerce Growth | 85 |
| Consumer Credit Trends | 70 |
| Regulatory Scrutiny | 65 |
| Competition Landscape | 75 |
| Factor | Score |
|---|---|
| Valuation | 30 |
| Profitability | 15 |
| Growth | 80 |
| Balance Sheet Health | 25 |
| Cash Flow | 40 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 45 |
| Volume Confirmation | 40 |
| Support & Resistance | 50 |
| Oscillator Signals | 45 |
AI Investing Checklist
Powered by LiveAIBullish Points (5)
Positive Valuation Trends
The Price-to-Sales (P/S) ratio is 9.0 (TTM), showing a decrease from 21.8 in 2021, indicating improving valuation efficiency.
Improving EPS Trends
Quarterly EPS has shown significant positive surprises, with the latest quarter (2025 Q2) exceeding estimates by 134.26%, demonstrating strong earnings beats.
Bearish Points (7)
Negative Net Income and Margins
The company reported a net loss of $517.76 million for fiscal year 2024, with a negative net margin of -22.3%, indicating persistent unprofitability.
High Price-to-Sales Ratio
The TTM Price-to-Sales (P/S) ratio is 9.0, which is high compared to historical trends (e.g., 2.7 in 2023) and suggests the market may be pricing in very high growth expectations.
Calendar
August 2025
27
Next Earnings Date
H: $0.44
A: $0.44
L: $0.43
H: 853.00M
A: 837.05M
L: 814.00M
Profile
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
Seasonals
Price Target
72.86 USD
The 39 analysts offering 1 year price forecasts for AFRM have a max estimate of 90.00 and a min estimate of 56.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Owns Afterpay, a major direct Buy Now, Pay Later (BNPL) competitor, and operates a broad payment ecosystem (Square, Cash App) that directly competes with Affirm in providing financial services to consumers and merchants.
Weight: 95
Offers 'Pay in 4', a direct BNPL competitor. As a dominant online payment processor, it facilitates transactions where Affirm operates, potentially integrating or competing with Affirm's services.
Weight: 92
Recently launched Apple Pay Later, a significant new entrant into the BNPL space. Leveraging its massive user base and ecosystem, Apple is a formidable competitor.
Weight: 90
A major e-commerce platform and a significant partner for Affirm. Affirm's revenue growth is heavily tied to merchant adoption, and Shopify's merchants represent a key segment for BNPL integration.