AFRM
Affirm Holdings Inc
NASDAQ: AFRM · FINANCIAL SERVICES · CREDIT SERVICES
$71.83
-0.51% today
Updated 2026-06-23
Market cap
$22.16B
P/E ratio
60.15
P/S ratio
5.58x
EPS (TTM)
$1.10
Dividend yield
—
52W range
$42 – $100
Volume
5.2M
WallStSmart proprietary scores
63
out of 100
Grade: C+
Hold
Investment rating
10.0
Growth
A+5.5
Quality
C+5.5
Profitability
C+5.0
Valuation
C+4/9
Piotroski F-Score
Moderate
1.3
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →199 stocks currently score above 75
Price targets
Analyst target
$86.00
+19.73%
12-Month target
$24.44
-65.98%
Intrinsic (DCF)
—
Margin of safety
—
4 Strong Buy19 Buy7 Hold0 Sell1 Strong Sell
Price chart
Stock snapshot
Strengths
+ Free cash flow $325.35M — positive
+ Revenue growth 32.60% QoQ
Risks
- Altman Z 1.31 — distress zone
- P/E 60.15x — expensive valuation
- Debt/equity 2.36x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM | 2026 (E) |
|---|---|---|---|---|---|---|
| Revenue | $1.35B | $1.59B | $2.32B | $3.22B | $3.97B | $4.3B |
| Net income | $-707.42M | $-985.35M | $-517.76M | $52.19M | $102.90M | — |
| EPS | — | — | — | — | $1.10 | $1.24 |
| Free cash flow | $-273.90M | $-108.59M | $290.84M | $601.72M | $325.35M | — |
| Profit margin | -52.43% | -62.05% | -22.29% | 1.62% | 9.63% | — |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-01 | O'HARE, ROBERT | Sale | 5,019 | — |
| 2026-06-01 | O'HARE, ROBERT | Sale | 3,031 | — |
| 2026-06-01 | O'HARE, ROBERT | Sale | 2,780 | — |
Peer comparison
Smart narrative
Affirm Holdings Inc trades at $71.83. representing a P/E of 60.15x trailing earnings. Our Smart Value Score of 63/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 1.31, it sits in the distress. TTM revenue stands at $3.97B. with profit margins at 9.63%.
Frequently asked questions
What is Affirm Holdings Inc's stock price?
Affirm Holdings Inc (AFRM) trades at $71.83, on a P/E of 60.2x and a P/S of 5.6x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Affirm Holdings Inc overvalued?
Affirm Holdings Inc carries a Smart Value Score of 63/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Affirm Holdings Inc (AFRM)?
The 12-month analyst consensus target is $86.00, about 19.7% above the current $71.83. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of AFRM by 2030?
Our research-backed model puts the 2030 base case at $97.42, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is Affirm Holdings Inc's revenue?
Affirm Holdings Inc's trailing twelve-month revenue is $3.97B, and our model projects it reaching about $10.43B by 2030. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Affirm Holdings Inc's Altman Z-Score is 1.31, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio5.58x
ROE10.11%
Beta3.70
50D MA$63.48
200D MA$66.87
Shares out0.29B
Float0.28B
Short ratio—
Avg volume5.2M
Performance
1 week+2.08%
1 month+10.70%
3 months+60.27%
YTD-3.00%
1 year—
3 years—
5 years—