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Upturn AI SWOT - About
AFRM 
Affirm Holdings Inc (AFRM)
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Upturn Advisory Summary
06/30/2025: AFRM (5-star) is a STRONG-BUY. BUY since 32 days. Profits (22.26%). 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
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $68.61
1 Year Target Price $68.61
| 11 | Strong Buy |
| 6 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 82.47% | Avg. Invested days 30 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 21.96B USD | Price to earnings Ratio - | 1Y Target Price 68.61 |
Price to earnings Ratio - | 1Y Target Price 68.61 | ||
Volume (30-day avg) 24 | Beta 3.58 | 52 Weeks Range 22.25 - 82.53 | Updated Date 06/30/2025 |
52 Weeks Range 22.25 - 82.53 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.19 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin -2.07% | Operating Margin (TTM) -1.07% |
Management Effectiveness
Return on Assets (TTM) -1.38% | Return on Equity (TTM) -2.26% |
Valuation
Trailing PE - | Forward PE 77.52 | Enterprise Value 27176665209 | Price to Sales(TTM) 7.3 |
Enterprise Value 27176665209 | Price to Sales(TTM) 7.3 | ||
Enterprise Value to Revenue 9.04 | Enterprise Value to EBITDA 46.3 | Shares Outstanding 281825984 | Shares Floating 268358002 |
Shares Outstanding 281825984 | Shares Floating 268358002 | ||
Percent Insiders 4.67 | Percent Institutions 80.53 |
Analyst Ratings
Rating 5 | Target Price 68.61 | Buy 6 | Strong Buy 11 |
Buy 6 | Strong Buy 11 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
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 financial products, initially focusing on point-of-sale financing for online purchases. The company has evolved to offer various buy now, pay later (BNPL) solutions and expanded its partnerships with major retailers.
Core Business Areas
- Point-of-Sale Financing: Affirm provides installment loans to consumers at the point of sale, primarily for online purchases. They partner with merchants to offer financing options directly to their customers.
- Affirm Card: Affirm offers a debit card that provides users with the option to split purchases into installments.
- Affirm App: Affirm has a mobile app that allows consumers to manage their loans, browse merchants, and discover new financing options.
Leadership and Structure
Max Levchin serves as the CEO. The company has a typical corporate structure with departments for technology, finance, marketing, sales, and operations, led by various VPs and executives reporting to the CEO.
Top Products and Market Share
Key Offerings
- Market Share: Estimated market share is significant but varies based on different metrics, such as purchase volume and active users. Accurate, real-time market share data is proprietary to market research firms. A general estimate is provided in the 'Competitors' Section
- Point-of-Sale Financing: Affirm's core product is point-of-sale financing. They offer installment loans for online and in-store purchases. Affirm doesn't publicly report specific revenue from each offering. Major competitors include Klarna, Afterpay (Block Inc.), PayPal (PYPL), and Sezzle.
- Affirm Card: Affirm card, a debit card that allows splitting purchases into installments. Competitors: Klarna, PayPal, traditional credit cards.
- Market Share: Market share is smaller than POS financing, data is unavailable to the public
Market Dynamics
Industry Overview
The buy now, pay later (BNPL) industry has experienced substantial growth due to increasing consumer demand for flexible payment options. The industry is becoming more competitive, facing increasing regulatory scrutiny.
Positioning
Affirm is a leading player in the BNPL market, differentiating itself through transparent terms and a focus on responsible lending. It has established partnerships with major retailers, providing a competitive advantage. However, it faces competition from larger tech companies and fintech firms.
Total Addressable Market (TAM)
The global BNPL market is estimated to reach hundreds of billions of dollars. Affirm is positioned to capture a significant portion of this market through its partnerships and growing user base.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Strategic partnerships with major retailers
- Transparent lending practices
- Advanced technology platform
- Experienced management team
Weaknesses
- Reliance on merchant partnerships
- High customer acquisition costs
- Vulnerability to economic downturns
- High interest expenses
- Exposure to credit risk
Opportunities
- Expansion into new markets
- Development of new financial products
- Increased adoption of BNPL by consumers
- Partnerships with new merchants
- Technological innovation in payment solutions
Threats
- Increased competition from other BNPL providers
- Rising interest rates
- Economic recession
- Regulatory scrutiny
- Data security breaches
Competitors and Market Share
Key Competitors
- Klarna (Not Publicly Traded)
- Block Inc (SQ)
- PayPal (PYPL)
- Sezzle (Not Publicly Traded)
- AfterPay (Block, Inc.)
Competitive Landscape
Affirm has a strong brand and strategic partnerships but faces intense competition from larger and more established players. Its focus on transparency is a differentiator, but it needs to manage credit risk and customer acquisition costs effectively.
Major Acquisitions
Returnly
- Year: 2021
- Acquisition Price (USD millions): 300
- Strategic Rationale: Acquisition of Returnly enables Affirm to offer enhanced returns and exchange experiences for its merchant partners, integrating returns and exchanges into the BNPL process.
Growth Trajectory and Initiatives
Historical Growth: Affirm has experienced rapid revenue growth in recent years due to increasing adoption of BNPL. However, profitability has been a challenge.
Future Projections: Analyst estimates vary widely. Growth is expected to continue but at a potentially slower pace due to increased competition and regulatory changes.
Recent Initiatives: Recent initiatives include expanding partnerships, launching new products, and improving the user experience.
Summary
Affirm is a growing company in the BNPL space with key strengths including notable partnerships and a user-friendly platform. The company operates in a highly competitive environment facing economic headwinds, and increasing regulatory oversight. Profitability remains a challenge for Affirm, and its reliance on merchant partnerships creates some risk. The company will need to innovate continuously and adapt to evolving market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Affirm Holdings Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change. Investment decisions should be based on thorough research and consultation with a 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 2006 | Website https://www.affirm.com |
Full time employees 2006 | Website https://www.affirm.com | ||
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its 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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