Held · Bookmarked
0 · 0
portfolios · users
Avg position size
—
of holders' portfolios
13F filers
3
institutions
Market cap
$24.1B
337M shares
52-week range
$42.10 – $92.56
61% from low
Sector
PERSONAL CREDIT INSTITUTIONS
Exchange
NASDAQ
CS
P/S (TTM)
6.1
EV / FCF (TTM)
33.1
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant-subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
www.affirm.comNo one on the platform currently holds AFRM.
| Institution | Shares | Reported |
|---|---|---|
| The Baupost Groupas of 2025-12-31 | 3,817,170 | $284.1M |
| Bridgewater Associatesas of 2025-09-30 | 8,860 | $647.5K |
No one on the platform has traded AFRM yet.
Consensus-seeded revenue, margins, and exit multiples. This is a scenario tool, not investment advice.
Consensus does not cover every selected forecast year. Later assumptions are extrapolated from available analyst estimates.
| Metric | Historical average | My assumptions | ||||
|---|---|---|---|---|---|---|
| 1 year | 5 years | 10 years | Low | Mid | High | |
| ROIC % | 26.5% | — | — | — | ||
| Rev. Growth % | 22.5% | 35.3% | ||||
| Profit Margin % | 48.9% | -17.3% | ||||
| Free Cash Flow Margin % | 25.1% | 5.8% | ||||
| Exit P/E | — | — | — | |||
| Exit P/FCF | — | — | — | |||
| Desired Annual Return % | — | — | — | |||
At today's price, your expected annual return is +21.4% on the P/E track.
At today's price, your expected annual return is +29.7% on the P/E track.
At today's price, your expected annual return is +37.4% on the P/E track.
| 5,900 |
| $270.3K |
| Year | Est. revenue | Growth | Est. EPS | EPS range | Fwd P/E | # Analysts |
|---|---|---|---|---|---|---|
| 2027 | $5.5B | +30.5% | $1.97 | $1.36–$2.59 | 36.9× | 17 |
| 2028 | $6.8B | +24.5% | $2.87 | $2.26–$3.55 | 25.4× | 14 |
| 2029 | $8.5B | +24.3% | $3.97 | $3.39–$4.97 | 18.4× | 15 |
| 2030 | $11.4B | +33.8% | $5.56 | $5.10–$6.08 | 13.1× | 6 |
Forward consensus · growth is YoY vs the prior fiscal-year estimate · Fwd P/E at the current price · source: Financial Modeling Prep
Beat consensus in 8 of the last 8 reported quarters
| Reported | Est. EPS | Actual | Surprise |
|---|---|---|---|
| 2026-08-27 | $0.35 | $4.62 | +1230.3% |
| 2026-05-07 | $0.17 | $0.30 | +76.1% |
| 2026-02-05 | $0.28 | $0.37 | +32.1% |
| 2025-11-06 | $0.11 | $0.23 | +105.2% |
| 2025-08-28 | $0.12 | $0.20 | +61.9% |
| 2025-05-08 | $-0.01 | $0.01 | +258.2% |
| 2025-02-06 | $-0.21 | $0.23 | +209.5% |
| 2024-11-07 | $-0.34 |
| $-0.31 |
| +8.8% |
| $12.0B |
| — |
| IOTSamsara Inc. | $42.91 | +11.80% | $24.8B | — |
| NTNXNutanix, Inc. | $67.69 | +2.69% | $18.3B | — |
Source: Financial Modeling Prep · peers by sector/industry
Click to see transaction details on SEC.gov. Form 4s cover trades by officers, directors, and 10%+ owners, due within 2 business days of the trade.
$AFRM The macroeconomic overview is really bad for AFRM; if we were to slip into a recession on top of that, it would be terrible
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$AFRM Equibles has it in the filing data. Affirm Holdings, Inc. Chief Accounting Officer Jiyane Siphelele reported selling 25,000 AFRM shares on September 4, 2026, worth about $1.81 million, in a non-derivative Form 4.
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@bullenkuh - yeah I don’t know if the $AFRM upgrade helped $PGY today or what?
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$AFRM - could not add,,.. should have put a price alert to get notified.
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https://youtube.com/watch?v=CmvezcygvBE&is=CONm-gvlMFP8L28L $afrm
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Monday’s biggest analyst calls: Berenberg initiates On Holding as buy Wolfe upgrades Affirm to outperform from peer perform JPMorgan upgrades Iren to overweight from underweight JPMorgan reiterates Apple as overweight Evercore ISI reiterates Netflix as outperform $AFRM $ON $IREN $AAPL $NFLX
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$AFRM — NEW ANALYST MOVE: Wolfe Research upgraded Affirm to Outperform from Peer Perform and set a $90 price target, citing a more compelling valuation and continued strength in the company’s growth outlook. AFRM is also coming off strong fiscal Q4 results and elevated GMV growth expectations.
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@ZY786 @EBE_day @TraderRapp @ribbey @zuby34 @Jeremymartin007 @simon58 @judgeyoung2 @tonyctl $IREN $AFRM $HOOD upgraded $NKE $MARA downgrade
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Affirm Upgraded To Outperform As Wolfe Sees ‘More Compelling’ Valuation After Strong Q4 $AFRM $IWP https://stocktwits.com/news/equity/markets/affirm-upgraded-to-outperform-as-wolfe-sees-more-compelling-valuation-after-strong-q4/cZtmTFIRBRV
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$AFRM Affirm Holdings represents a buy now, pay later stock that Wolfe Research identifies as an attractive investment following a recent share price slide. Broader market volatility has impacted valuations across the buy now, pay later sector, creating a potential entry point for investors. Read the full story
View on StockTwits ↗Recent $TICKER stream from stocktwits.com — refreshed every 5 minutes. Sentiment tags are self-reported by posters. Not investment advice.