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Upturn AI SWOT - About
AFRM 
Affirm Holdings Inc (AFRM)
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Upturn Advisory Summary
10/13/2025: AFRM (5-star) is currently NOT-A-BUY. Pass it for now.
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 $96.86
1 Year Target Price $96.86
| 11 | Strong Buy |
| 6 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 100.66% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 23.17B USD | Price to earnings Ratio 474.27 | 1Y Target Price 96.86 |
Price to earnings Ratio 474.27 | 1Y Target Price 96.86 | ||
Volume (30-day avg) 24 | Beta 3.58 | 52 Weeks Range 30.90 - 100.00 | Updated Date 10/13/2025 |
52 Weeks Range 30.90 - 100.00 | Updated Date 10/13/2025 | ||
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 - | When - | Estimate - | Actual - |
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 474.27 | Forward PE 85.47 | Enterprise Value 30842529812 | Price to Sales(TTM) 7.18 |
Enterprise Value 30842529812 | Price to Sales(TTM) 7.18 | ||
Enterprise Value to Revenue 9.57 | Enterprise Value to EBITDA 43.32 | Shares Outstanding 284917717 | Shares Floating 271556540 |
Shares Outstanding 284917717 | Shares Floating 271556540 | ||
Percent Insiders 4.6 | Percent Institutions 82.15 |
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. Initially focused on providing transparent and consumer-friendly payment options, Affirm disrupted traditional credit card models by offering fixed payment schedules without hidden fees. The company went public in January 2021 and has since expanded its offerings and partnerships.
Core Business Areas
- Buy Now, Pay Later (BNPL): Affirm's core service allows consumers to make purchases and pay for them in fixed monthly installments. This includes point-of-sale financing and virtual card options.
- Affirm Card: A debit card linked to an Affirm savings account that offers cashback rewards and other benefits.
- Merchant Solutions: Provides tools and integrations for merchants to offer Affirm's BNPL options to their customers.
Leadership and Structure
Max Levchin serves as the CEO and Chairman. The organizational structure consists of functional departments like engineering, product, sales, marketing, finance, and legal, with various vice presidents and directors leading each area.
Top Products and Market Share
Key Offerings
- Buy Now, Pay Later (BNPL): The core BNPL service enables consumers to finance purchases over time. Market share data fluctuates, but Affirm is a leading player in the US BNPL market. Competitors include Klarna, Afterpay (Block), PayPal (PYPL), and Zip. Affirm has a significant user base and has generated billions in transaction volume.
- Affirm Card: The Affirm Card works similarly to a traditional debit card allowing the user to make purchases using their Affirm balance. The competition comes from larger competitors like Visa and Mastercard.
Market Dynamics
Industry Overview
The BNPL industry is experiencing rapid growth, driven by increasing consumer demand for flexible payment options. Regulatory scrutiny is also rising.
Positioning
Affirm positions itself as a transparent and responsible BNPL provider, emphasizing fixed payment schedules and no late fees. Its competitive advantage lies in its focus on larger ticket items and established merchant partnerships.
Total Addressable Market (TAM)
The global BNPL market is projected to reach hundreds of billions of dollars. Affirm is positioned to capture a significant portion of this TAM through its strategic partnerships and expanding product offerings.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Established Merchant Partnerships
- Transparent Fee Structure
- Focus on Larger Ticket Items
Weaknesses
- Reliance on Macroeconomic Conditions
- Potential for Credit Losses
- Regulatory Risks
- Relatively High Customer Acquisition Costs
Opportunities
- Expansion into New Geographies
- Development of New Products and Services
- Increased Adoption of BNPL
- Partnerships with Additional Merchants
Threats
- Increased Competition
- Changes in Regulatory Environment
- Economic Downturn
- Rising Interest Rates
Competitors and Market Share
Key Competitors
- KLNA
- PYPL
- SQ
- MQ
Competitive Landscape
Affirm competes in a crowded and rapidly evolving BNPL market. Its advantages include its brand recognition, focus on larger ticket items, and transparent fee structure. Disadvantages include its reliance on macroeconomic conditions and potential for credit losses.
Major Acquisitions
Returnly
- Year: 2021
- Acquisition Price (USD millions): 300
- Strategic Rationale: To enhance returns and exchange capabilities for merchants.
Growth Trajectory and Initiatives
Historical Growth: Affirm has experienced rapid revenue growth in recent years, driven by increasing adoption of BNPL and expansion of its merchant network.
Future Projections: Analysts project continued revenue growth for Affirm, but profitability remains a key challenge. Future growth will depend on the company's ability to manage credit risk, control operating expenses, and expand its market share.
Recent Initiatives: Recent initiatives include expanding partnerships with major retailers, launching new products like the Affirm Card, and focusing on improving credit underwriting and risk management.
Summary
Affirm is a leading BNPL provider with strong revenue growth, but it faces challenges in achieving profitability. Its key strengths lie in its brand, merchant partnerships, and transparent fee structure. However, it needs to manage credit risk, control expenses, and navigate the evolving regulatory landscape to achieve long-term success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Analysis Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and represents a general overview of Affirm Holdings Inc. It is not financial advice.
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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