How to Buy Affirm Stock
Affirm Holdings Inc
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada.
Affirm stock last closed at $71.44, up 5.07% from the previous day, and has decreased 12.25% in one year. It has underperformed other stocks in the Credit Services industry by 0.18 percentage points. Affirm stock is currently +69.71% from its 52-week low of $42.10, and -22.82% from its 52-week high of $92.56.
As of Sep 11, 2026, there are 337.42M shares of AFRM outstanding. The market capitalization of AFRM is $24.11B. In the last 24 hours, 4.51M 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.
Our favorite brokerage: eToro
Based on our experience, eToro is the best online stock brokerage. eToro gives you:
- You can invest in stocks with zero commissions: Invest without paying trading commissions.
- Buy fractional shares: Even if you don't have the money to buy a full share, you can still buy the stock.
- Access to world financial markets: From Technology to Real Estate, New York to Tokyo (for US users, only US stocks are available) — you can fill your portfolio with stocks from the globe's top exchanges.
- Social investing: eToro boasts a community with more than 20 million users around the world. Talk to, learn from, and copy the crypto trades of other investors.
- Security: eToro is a regulated and licensed fintech leader.
- Buy other financial assets: Such as ETFs and cryptocurrencies.
Get $10 towards your stock purchase by creating an account with eToro now. This offer is only for US users.
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.
How to Start a New Investment Account on eToro
- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
- Enter your personal details to open a new trading account.
- Send your data by hitting the "Create Account" button. Get started with eToro today
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 undervalued based on its P/E ratio of 12.4x, relative to Credit Services industry P/E ratio of 25.57x
- AFRM could be undervalued based on its P/B ratio of 4.4x, relative to Credit Services industry P/B ratio of 5.01x
You can access more valuation analysis on AFRM's stock here.
AFRM Financial Health Summary
Passed Financial Due Diligence Checks:
- AFRM profit margin has gone up from 1.6% to 45.3% in the past year.
- AFRM earnings of $492.73M is not sufficient to cover its interest payments.
Failed Financial Due Diligence Checks:
- AFRM's operating cash flow of $1.23B allows it to safely service it's debt of $9.99B.
- AFRM has a relatively high debt to equity ratio of 1.88.
- Total AFRM debt is higher than 5 years ago, relative to shareholder equity.
Is it a good time to buy Affirm stock, according to analysts?
Out of 27 Equities analysts who give recommendations on AFRM, the consensus analyst rating on Affirm is a Strong Buy
It's important to note that analyst forecasts are not recommendations, nor are they financial advice.
Latest AFRM Analyst Ratings
Ramsey El-Assal, a bottom 3% analyst from Cantor Fitzgerald maintains AFRM with a strong buy rating and raises their AFRM price target from $88.00 to $97.00, on Aug 31, 2026.
Timothy Chiodo, a top 27% analyst from UBS maintains AFRM with a hold rating and raises their AFRM price target from $82.00 to $90.00, on Aug 28, 2026.
Moshe Orenbuch, a top 23% analyst from TD Cowen maintains AFRM with a strong buy rating and raises their AFRM price target from $117.00 to $124.00, on Aug 28, 2026.
James Friedman, a bottom 1% analyst from Susquehanna maintains AFRM with a strong buy rating and raises their AFRM price target from $105.00 to $110.00, on Aug 28, 2026.
Bill Carcache, a top 5% analyst from Piper Sandler maintains AFRM with a strong buy rating and raises their AFRM price target from $103.00 to $115.00, on Aug 28, 2026.
Piper Sandler's Bill Carcache raised their price target on Affirm (NASDAQ: AFRM) by 11.7% from $103 to $115 on 2026/08/28. The analyst maintained their Strong Buy rating on the stock.
Affirm reported its Q4 and FY 2026 earnings.
Raising their price target, Carcache headlined the quarter's revenue driven beat and management's better-than-expected FY 2027 guidance.
Earnings Report
Affirm Holdings reported:
For Q4 2026:
- EPS of $4.62, which beat the Zacks Consensus Estimate of $0.33 and Q4 2025's $0.20.
- Revenue of $1.17B, which beat the Zacks Consensus Estimate of $1.11B and was up 33% Y/Y.
For FY 2026:
- EPS of $5.53, up from FY 2025's $0.15.
For Q1 2027, management guided:
- Revenue of $1.19B to $1.2B.
Management commentary is in its Shareholder Letter.
You can dive deeper into what analysts are forecasting on the Affirm stock forecast page.
Metrics for Advanced AFRM Traders
AFRM Earnings
Last year, AFRM earnings were $1.93B. During the past 1 years, AFRM's earnings have grown by 3,500% per year. This was faster than the Credit Services industry average of 62.22%.
Last year, AFRM revenue was $4.26B. During the past five year, AFRM's revenue has grown by 37.39% per year. This was faster than the Credit Services industry average of 14.1%.
Find out more about AFRM's earnings and revenue performance here.
Latest Insiders Trades at AFRM
In the last 12 months, insiders at AFRM have sold more shares than they have bought.
Siphelele Jiyane, CAO of AFRM, was the latest AFRM insider to sell. They sold $1,810,250.00 worth of AFRM shares on Sep 4, 2026.
Learn more about who owns AFRM stock here.
Can I get consistent income from AFRM stock?
No, Affirm doesn't provide an income stream by paying out dividends.
AFRM Social Trading Data
One of the major reasons eToro is our favorite brokerage is because of its social trading community.
Click below to learn what other investors have to say.
Step 5: Make your AFRM buy order
There are two primary options:
- Market order: A market order is an order to buy or sell a security at the best available price.
Market orders are mostly the easiest way to buy. - Limit order: A limit order is an order to buy or sell a security at a specific price (or better).
If you want to ensure you're buying or selling at a specific price, place a limit order.
Press the Open button and your broker will place your order.
If you want additional assistance investing in stocks on eToro, watch the helpful video below:
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 investment.
Make a watchlist to keep track of your AFRM stock.
AFRM Feed
How to Buy Stock in Affirm
To summarize, here are the 6 steps to buy stock in Affirm:
- 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 favorite venue.
Get Started with eToro TodayIf you want to get the latest news on your new investment in Affirm, hit the button below to create your watchlist.
Related Content
FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterInformation is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.