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AFRM stock logo

AFRM

Affirm Holdings, Inc.

$46.31
0.77
 (1.69%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  15.426B
Shares Outstanding:  257.407M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Infrastructure
   
CEO:  Max Roth Levchin
Full Time Employees:  2006
Address: 
650 California Street
San Francisco
CA
94108
US
Website:  https://www.affirm.com
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 platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

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Key takeaways

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2025/02/06 — 2 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,587,9852,322,9993,224,412
Gross Profit714,8241,477,8932,176,840
EBITDA-671,598-2,230711,991
Operating Income-1,200,862-615,847-87,273
Net Income-985,345-517,75752,186

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Balance Sheet

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Cash Flow Statement

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Analyst Estimates

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Current Key Metrics

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Forward P/E Ratios

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates AFRM intrinsic value between $13.65 – $13.81 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate AFRM Intrinsic Value

Common questions about AFRM valuation

Is AFRM (AFRM) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for AFRM (AFRM) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is AFRM a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AFRM trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is AFRM’s P/E ratio?

You can see AFRM’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for AFRM?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is AFRM a good long-term investment?

Whether AFRM fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

AFRM

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1.69
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Trading Metrics:

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Relevant news

Affirm: Agentic Credit Rewrites the Rules of Consumer Lending
Affirm Holdings (AFRM) Outperforms Broader Market: What You Need to Know
Why Affirm Holdings (AFRM) Outpaced the Stock Market Today
Affirm to announce third quarter fiscal year 2026 results on May 7, 2026
Affirm Holdings (AFRM) Stock Sinks As Market Gains: Here's Why
Ameliora Wealth Management Ltd. Takes Position in Affirm Holdings, Inc. $AFRM

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