How to Buy Affirm Stock
Affirm Holdings Inc
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada.
Affirm stock last closed at $75.39, down 0.2% from the previous day, and has increased 79.37% in one year. It has overperformed other stocks in the Software - Infrastructure industry by 0.69 percentage points. Affirm stock is currently +143.97% from its 52-week low of $30.90, and -24.61% from its 52-week high of $100.00.
As of Oct 24, 2025, there are 325.65M shares of AFRM outstanding. The market capitalization of AFRM is $24.55B. In the last 24 hours, 4.9M AFRM shares were traded.
How to Buy Affirm Stock
Not sure how to invest in Affirm stock? Here's how.
- Decide where to buy Affirm stock: You need to choose an online brokerage, but don't worry - we've tested dozens of stock brokerages and apps to help you determine where to buy Affirm stock.
- Open a brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've selected.
- Deposit money your brokerage account: Pick your method of payment and add your information.
- Analyze Affirm stock: The Affirm ticker symbol is AFRM. Is Affirm stock a good investment? Should you buy shares of AFRM? How do AFRM's underlying business fundamentals look? Do top analysts think Affirm is a good buy? Why has AFRM's stock price moved recently? (Hint: Our stock research website can help you evaluate if AFRM is a good stock to buy).
- Make your AFRM buy order: Decide if you will purchase AFRM shares at the current market price or use a limit order to buy AFRM stock at a given price.
- Keep an eye on your investment in AFRM: Create a watchlist to watch your investment in Affirm shares.
Step 1: Decide where to buy Affirm stock
You will need a brokerage account in order to access the NASDAQ market and buy AFRM stock.
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Open eToro AccountStep 2: Open a brokerage account
Now that you've selected the best brokerage, you need to fill out some personal details so you can invest in AFRM stock today.
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Step 3: Deposit money your brokerage account
Now that you have finished signing up on the best stock market app, you need to deposit funds:
Check out the tutorial below to see the process of transferring money into your investment account.
Step 4: Analyze Affirm stock
Once you have chosen the best place to buy Affirm stock, it's critical to research their stock prior to buying, so you actually wrap your head around the risk and opportunity.
Affirm shares at a glance
Affirm Overview
WallStreetZen was created to help average investors do better fundamental analysis.
You can view all of the due diligence checks on AFRM's stock page.
What is the fair value of AFRM stock?
You can use many financial metrics, analyses, models, and charts to gauge AFRM's fair value.
Using relative valuations ratios:
- AFRM may be overvalued based on its P/E ratio of 471.19x, relative to Software - Infrastructure industry P/E ratio of 46.79x
- AFRM could be undervalued based on its P/B ratio of 8x, relative to Software - Infrastructure industry P/B ratio of 11.95x
- AFRM could be overvalued based on its PEG ratio of 3.51x
You can do additional valuation analysis on AFRM's stock here.
AFRM Financial Health Summary
Passed Financial Due Diligence Checks:
- AFRM earnings of $61.47M is not sufficient to cover its interest payments.
- AFRM profit margin has gone up from -22.3% to 1.6% in the past year.
- Total AFRM debt is lower than 5 years ago, relative to shareholder equity.
Failed Financial Due Diligence Checks:
- AFRM's operating cash flow of $793.91M allows it to safely service it's debt of $7.82B.
- AFRM has a relatively high debt to equity ratio of 2.64.
Is AFRM stock a Buy, Hold, or Sell, according to analysts?
Out of 18 Equities analysts who give recommendations on AFRM, the consensus analyst rating on Affirm is a Strong Buy
Please note that analyst ratings are not recommendations, nor are they investment advice.
Latest AFRM Analyst Upgrades/Downgrades
Dan Dolev, a top 15% analyst from Mizuho maintains AFRM with a buy rating and raises their AFRM price target from $70.00 to $108.00, on Sep 2, 2025.
Reginald Smith, a top 14% analyst from JP Morgan maintains AFRM with a strong buy rating and raises their AFRM price target from $91.00 to $94.00, on Aug 29, 2025.
JP Morgan's Reginald Smith raised their price target on Affirm (NASDAQ: AFRM) by 3.3% from $91 to $94 on 2025/08/29. The analyst maintained their Strong Buy rating on the stock.
Affirm reported its Q4 and FY 2025 earnings.
Smith highlighted that gross volume growth topped 40% in the quarter for the first time since the pandemic, and notional volume growth reached the highest level on record.
Further, management's guidance beat consensus on most key metrics, the analyst said.
Earnings Report
Affirm reported:
For Q4 2025:
EPS of $0.20, which beat the Zacks Consensus Estimate of $0.11 and Q4 2024's $(0.14).
Revenue of $876.4M, which beat the Zacks Consensus Estimate by 4.4% and was up 33% Y/Y.
For FY 2025:
- Revenue of 3.22B, up from FY 2024's $ 2.32B
Management guided:
For Q1 2026:
- Revenue of $855M to $885M.
For FY 2026:
- Revenue of at least $3.86B.
In its Shareholder Letter, management commented: "In FY’25, we executed relentlessly on the three core ingredients of our strategy: grow reach by building out a first-class merchant network (377k active, +24% in FY’25), increase transaction frequency (+20% during the same period) through direct-to-consumer products, and maintain strong unit economics by prioritizing excellent credit performance (4.0% RLTC for FY’25). ...
"Going forward, we intend to consistently deliver positive operating income while maintaining an aggressive growth rate, investing in future products, and increasing operating leverage."
Daniel R. Perlin, a bottom 50% analyst from RBC Capital maintains AFRM with a hold rating and raises their AFRM price target from $75.00 to $97.00, on Aug 29, 2025.
James Faucette, a top 15% analyst from Morgan Stanley maintains AFRM with a hold rating and raises their AFRM price target from $70.00 to $90.00, on Aug 29, 2025.
Timothy Chiodo, a top 22% analyst from UBS maintains AFRM with a hold rating and raises their AFRM price target from $56.00 to $85.00, on Aug 29, 2025.
You can dive deeper into what analysts are forecasting on the Affirm stock forecast page.
Metrics for Advanced AFRM Traders
AFRM Growth Metrics
Last year, AFRM revenue was $3.22B. In the past 5 year, AFRM's revenue has increased by 44.63% per year. This was faster than the Software - Infrastructure industry average of 17.27%.
Dive into AFRM's earnings and revenue performance here.
Latest Insiders Trades at AFRM
Over the past year, insiders at AFRM have sold more shares than they have bought.
Katherine Adkins, Chief Legal Officer of AFRM, was the latest AFRM insider to sell. They sold $57,526.66 worth of AFRM shares on Oct 1, 2025.
Get more info about who owns AFRM shares here.
Does AFRM provide a stable income stream?
No, Affirm doesn't provide an income stream by paying out dividends.
Get opinions from other investors
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Step 5: Make your AFRM buy order
There are two main options:
- Market order: A market order is an order to buy or sell a security at the best possible price.
Market orders are usually fine for most investors. - Limit order: A limit order is an order to buy or sell a security at a specific price (or better).
If you want to be certain you're buying or selling at an exact dollar amount limit, use a limit order.
Hit the Open Trade button and eToro will place the order.
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Step 6: Keep an eye on your investment in AFRM
Now that you own some AFRM stock, you'll want to keep up with your shares.
Put AFRM on a watchlist to get notified of important updates regarding your AFRM stock.
AFRM Feed
How to Buy Stock in Affirm
To reiterate, here are the 6 steps you need to take to buy Affirm stock right now:
- Decide where to buy Affirm stock
- Open a brokerage account
- Deposit money your brokerage account
- Analyze Affirm stock
- Make your AFRM buy order
- Keep an eye on your investment in AFRM
If you need a place to buy stocks, eToro is our recommended option.
Get Started with eToro TodayIf you would like to monitor your investment in Affirm, hit the button below to create your watchlist.
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