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Upturn AI SWOT - About
AFRM 
Affirm Holdings Inc (AFRM)
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Upturn Advisory Summary
09/11/2025: AFRM (5-star) is a STRONG-BUY. BUY since 83 days. Simulated Profits (43.96%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $95.03
1 Year Target Price $95.03
| 11 | Strong Buy |
| 6 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 114.85% | Avg. Invested days 37 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 26.51B USD | Price to earnings Ratio 542.73 | 1Y Target Price 95.03 |
Price to earnings Ratio 542.73 | 1Y Target Price 95.03 | ||
Volume (30-day avg) 24 | Beta 3.65 | 52 Weeks Range 30.90 - 100.00 | Updated Date 09/12/2025 |
52 Weeks Range 30.90 - 100.00 | Updated Date 09/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-28 | When After Market | Estimate 0.1228 | Actual 0.5267 |
Profitability
Profit Margin 1.62% | Operating Margin (TTM) 6.53% |
Management Effectiveness
Return on Assets (TTM) -0.53% | Return on Equity (TTM) 1.8% |
Valuation
Trailing PE 542.73 | Forward PE 113.64 | Enterprise Value 32138618061 | Price to Sales(TTM) 8.22 |
Enterprise Value 32138618061 | Price to Sales(TTM) 8.22 | ||
Enterprise Value to Revenue 10.32 | Enterprise Value to EBITDA 46.72 | Shares Outstanding 284918016 | Shares Floating 271546771 |
Shares Outstanding 284918016 | Shares Floating 271546771 | ||
Percent Insiders 4.6 | Percent Institutions 82.12 |
Upturn AI SWOT
Affirm Holdings Inc
Company Overview
History and Background
Affirm Holdings Inc. was founded in 2012 by Max Levchin, Nathan Gettings, and Jeffrey Kaditz. It aimed to provide transparent and consumer-friendly financing options at the point of sale. Affirm went public in January 2021. Initially focused on online retail, it has expanded to include in-store purchases and other financial services.
Core Business Areas
- Point-of-Sale Financing: Affirm's core service is providing installment loans to consumers at the point of sale, allowing them to split purchases into fixed monthly payments.
- Debit+: A debit card with the added benefit of Affirm's pay-over-time functionality, allowing users to finance purchases directly from their bank account.
- Affirm Card: A virtual credit card that enables users to finance eligible purchases made online or in-store, offering increased flexibility and spending power with Affirmu2019s buy now, pay later solutions.
Leadership and Structure
Max Levchin is the CEO. The company has a typical corporate structure with departments for technology, finance, marketing, and operations.
Top Products and Market Share
Key Offerings
- Point-of-Sale Financing: Allows consumers to finance purchases at checkout, typically for e-commerce. Affirm focuses on transparency with no late fees. Competitors include Klarna, Afterpay, and PayPal. Market share is significant, but precise figures fluctuate. Affirm had 16.9 million active consumers as of the end of Q3 2024. Revenue generated from this product makes up the majority of Affirm's total revenue. Market share data: Affirm, Klarna and Afterpay account for nearly 80% of the Buy Now Pay Later (BNPL) market in the United States.
- Affirm Card: A physical card that lets users pay over time for purchases both online and in-store. Competitors include traditional credit cards and other BNPL providers expanding into physical cards. Number of users is increasing, but no specific data is available.
Market Dynamics
Industry Overview
The Buy Now, Pay Later (BNPL) industry is experiencing rapid growth, driven by increasing consumer demand for flexible payment options and the rise of e-commerce. The industry is becoming more competitive and is attracting the attention of regulators.
Positioning
Affirm differentiates itself through transparency and focusing on larger ticket purchases. It aims for responsible lending practices and is gaining market share with key retail partnerships.
Total Addressable Market (TAM)
The global BNPL market is projected to reach hundreds of billions of dollars. Affirm is well-positioned to capture a significant share of this TAM, particularly in e-commerce and with its expansion into other financial services.
Upturn SWOT Analysis
Strengths
- Transparent pricing with no hidden fees
- Strong partnerships with major retailers
- Focus on responsible lending
- Technology platform enabling seamless integration with merchants
- Strong brand reputation
Weaknesses
- Relatively high interest rates compared to traditional credit cards
- Reliance on consumer spending and economic conditions
- Competition from larger financial institutions
- Potential for increased regulation
Opportunities
- Expansion into new markets and product categories
- Increasing adoption of BNPL by consumers
- Partnerships with more retailers and e-commerce platforms
- Further development of its technology platform
Threats
- Increased competition from other BNPL providers
- Economic downturn impacting consumer spending
- Changes in regulations impacting the BNPL industry
- Potential for consumer defaults on loans
Competitors and Market Share
Key Competitors
- KLAR
- PYPL
- SQ
Competitive Landscape
Affirm's advantage lies in its transparent pricing and focus on larger ticket purchases. Its disadvantages include relatively high interest rates and competition from larger financial institutions.
Major Acquisitions
Returnly
- Year: 2021
- Acquisition Price (USD millions): 300
- Strategic Rationale: To enhance Affirm's capabilities in returns and post-purchase experiences for merchants.
Growth Trajectory and Initiatives
Historical Growth: Affirm has experienced rapid revenue growth driven by the increasing adoption of BNPL. However, profitability has lagged.
Future Projections: Analysts project continued revenue growth, but profitability is uncertain. Future growth will depend on the company's ability to manage risk and control costs.
Recent Initiatives: Recent initiatives include expanding partnerships with retailers, launching new products, and focusing on risk management.
Summary
Affirm is a fast-growing company in the BNPL space with strong revenue growth, but it's currently not profitable. Its strengths lie in transparent pricing and partnerships, while weaknesses include high interest rates. Future success depends on managing competition and achieving profitability amidst potential economic headwinds.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Analyst estimates
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Affirm Holdings Inc
Exchange NASDAQ | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2021-01-13 | Founder, CEO & Chairman Mr. Max Roth Levchin | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 2206 | Website https://www.affirm.com |
Full time employees 2206 | Website https://www.affirm.com | ||
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's 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.
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