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AFRM 
Affirm Holdings Inc (AFRM)
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Upturn Advisory Summary
02/11/2026: AFRM (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $86
1 Year Target Price $86
| 11 | Strong Buy |
| 6 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 73.38% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 02/11/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.87B USD | Price to earnings Ratio 73.64 | 1Y Target Price 86 |
Price to earnings Ratio 73.64 | 1Y Target Price 86 | ||
Volume (30-day avg) 24 | Beta 3.58 | 52 Weeks Range 30.90 - 100.00 | Updated Date 02/11/2026 |
52 Weeks Range 30.90 - 100.00 | Updated Date 02/11/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.81 |
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 2026-02-05 | When - | Estimate 0.2699 | Actual 0.7213 |
Profitability
Profit Margin 7.6% | Operating Margin (TTM) 10.47% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 8.92% |
Valuation
Trailing PE 73.64 | Forward PE 53.76 | Enterprise Value 26800639331 | Price to Sales(TTM) 5.35 |
Enterprise Value 26800639331 | Price to Sales(TTM) 5.35 | ||
Enterprise Value to Revenue 7.06 | Enterprise Value to EBITDA 26.42 | Shares Outstanding 292409876 | Shares Floating 279346592 |
Shares Outstanding 292409876 | Shares Floating 279346592 | ||
Percent Insiders 4.36 | Percent Institutions 83.07 |
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 Financial Services | Industry Credit Services | 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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