AFRM - Affirm Holdings, Inc.

AFRM

$73.65 +0.65 (+0.89%) Last updated: May 31, 2026 01:57

52-Week Range

$73.65

$42.10 $73.65 $100.00

Fundamentals Overview

Affirm Holdings, Inc. is in the middle of its 52-week range with premium valuation, trading relatively flat today.

Valuation premium

P/E 67 PEG 0.09 P/B 6.56 P/S 6.21

Profitability

Net margin 9.6%

Risk (Beta)

3.72 — higher vol

Earnings & growth

EPS $1.10 Rev -7.5% Profit -20.6% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 53% confidence Risk: High Volatility — Beta 3.72. Consider smaller position size due to higher beta.

Supporting (Buy):

Sentiment improving (3 upgrades) · 3M vs S&P 500: +44.4% · 3M vs Technology sector: +19.9%

Pressures (Sell):

Beta 3.72 (elevated)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$24.67B

P/E (TTM)

67.04

EPS (TTM)

$1.10

Dividend Yield

N/A

52-Week Range

$42.10 - $100.00

Volume vs Avg

N/A

Beta

3.72

About

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its pl...

Sector: Technology

Headquarters: US

Employees: 2,006

IPO Date: Jan 2021

Website: www.affirm.com

Beta: 3.72 (More volatile than market)

Ratings & Grades at a Glance

Overall rating: C+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 14, Equal Weight: 3, Market Outperform: 1, Outperform: 4, Overweight: 5, Sector Perform: 3.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $-130.18; current price is $73.65. That’s a -276.8% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	67.04
PEG (TTM)	0.09
P/B (TTM)	6.56
P/S (TTM)	6.21
P/FCF (TTM)	31.34
Liquidity & enterprise
Current Ratio (TTM)	717.01
Quick Ratio (TTM)	717.01
Cash Ratio (TTM)	654.23
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	9.63%
Gross margin (TTM)	67.71%
Operating margin (TTM)	11.12%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for AFRM.

Analyst Sentiment at a Glance

C+ Sentiment Improving

Buy 14Equal Weight 3Market Outperform 1Outperform 4Overweight 5Sector Perform 3

3 upgrades, 0 downgrades

Price Target Consensus

Current $73.65

Median $78.50

Consensus $81.93

Low consensus $68.00

High consensus $100.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Truist Securities	maintain	Buy	Buy	2026-05-28
Mizuho	maintain	Outperform	Outperform	2026-05-14
Needham	maintain	Buy	Buy	2026-05-13
B of A Securities	maintain	Buy	Buy	2026-05-11
RBC Capital	maintain	Sector Perform	Sector Perform	2026-05-08
Stephens & Co.	maintain	Equal Weight	Equal Weight	2026-05-08
Needham	maintain	Buy	Buy	2026-05-08
JP Morgan	maintain	Overweight	Overweight	2026-05-08
Truist Securities	maintain	Buy	Buy	2026-04-24
Cantor Fitzgerald	maintain	Overweight	Overweight	2026-04-21
Evercore ISI Group	maintain	Outperform	Outperform	2026-04-21
Citizens	maintain	Market Outperform	Market Outperform	2026-04-17
Truist Securities	maintain	Buy	Buy	2026-02-20
Cantor Fitzgerald	maintain	Overweight	Overweight	2026-02-09
Mizuho	maintain	Outperform	Outperform	2026-02-09
Oppenheimer	maintain	Outperform	Outperform	2026-02-06
Stephens & Co.	maintain	Equal Weight	Equal Weight	2026-02-06
RBC Capital	maintain	Sector Perform	Sector Perform	2026-02-06
Needham	maintain	Buy	Buy	2026-02-06
JP Morgan	maintain	Overweight	Overweight	2026-02-06
Morgan Stanley	upgrade	Equal Weight	Overweight	2026-02-03
Needham	upgrade	Hold	Buy	2026-01-27
TD Cowen	maintain	Buy	Buy	2026-01-08
Truist Securities	maintain	Buy	Buy	2025-11-19
RBC Capital	maintain	Sector Perform	Sector Perform	2025-11-07
B of A Securities	maintain	Buy	Buy	2025-11-07
Morgan Stanley	maintain	Equal Weight	Equal Weight	2025-11-07
Truist Securities	maintain	Buy	Buy	2025-10-24
Goldman Sachs	maintain	Buy	Buy	2025-10-13
Rothschild & Co	upgrade	Neutral	Buy	2025-10-06