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Stocks/Financials/Transaction & Payment Processing Services

AffirmAFRM

Transaction & Payment Processing Services
Solid businessPricier than peers
$73.47−1.83%After hours: $73.54 (+0.10%)At the close, 30 Oct · Prices from CNBC, may be delayed
▲ 1.1% over 1 year
Affirm over 1 yearDaily close, $, to 30 Oct 2026
$60$80Nov2026MarMayJulSep$73.47$60$80NovMarJul$73.47
Source: Nasdaq daily closes
Market value$24.91B
Price to earnings13.3x
Forward P/E38.0x
Dividend yield–
Year to date−1.3%
One year+1.1%
Next earningsThu 5 Nov, after the close
SectorFinancials
52-week range (closes)
$42.53$85.78

Quality and valuation

How Affirm compares with other financials stocks. A description, not a recommendation.

Affirm and 7 transaction & payment processing services peers. Across: valuation (P/E) against the sector. Up: business quality against the sector. Hover or tap a logo for its numbers.

Business quality: about averageValuation: pricier than most

An average business among financials companies, priced above most of them.

Affirm trades at 38.0 times the next 12 months of expected earnings, against a median of 13.0x for the 84 financials stocks we cover. The quality score blends where it ranks on revenue growth, gross margin, operating margin and free-cash-flow margin (net margin for banks and insurers) over the last 12 months, from SEC filings.

  • Revenue grew faster than the sector median: +32.2% vs +10.2%
  • Less profitable (operating margin): 9.8% vs 22.3%
  • Turns more of its sales into cash: 23.3% vs 20.3%
AFRM trades at 38.0x forward earnings, above the sector medianForward p/e, Transaction & Payment Processing Services peers
GPN6.6xFISV6.8xPYPL10.1xCPAY13.7xXYZ16.6xV28.6xMA30.0xAFRM38.0xSector median 13.0xGPN6.6xFISV6.8xPYPL10.1xCPAY13.7xXYZ16.6xV28.6xMA30.0xAFRM38.0xSector median 13.0x
Source: CNBC quotes; Mostly Markets

Financials

From Affirm's SEC filings, through the quarter ending 30 Jun 2026. Hover or tap a bar for its value.

Revenue grew 33.0% from a year earlierQuarterly revenue, $bn, latest Q4 ’26
$0.0bn$0.5bn$1.0bnQ1 ’25Q3 ’25Q1 ’26$1.2bnQ4 ’26$0.0bn$0.5bn$1.0bnQ1 ’25Q3 ’25Q1 ’26$1.2bnQ4 ’26
Source: SEC filings
Growth sped up to +33.0% last quarterRevenue growth, year on year, %
0%20%40%Q1 ’25Q3 ’25Q1 ’2633.0%Q4 ’260%20%40%Q1 ’25Q3 ’25Q1 ’2633.0%Q4 ’26
Source: SEC filings
Operating margin was 12.6% last quarterOperating income as a share of revenue, %
−10%0%10%Q1 ’25Q3 ’25Q1 ’2612.6%Q4 ’260%Q1 ’25Q3 ’25Q1 ’2612.6%Q4 ’26
Source: SEC filings
Free cash flow was $993 million over 12 monthsQuarterly free cash flow (operating cash flow minus capex), $m
$0m$100m$200m$300mQ1 ’25Q3 ’25Q1 ’26$229mQ4 ’26$0m$200mQ1 ’25Q3 ’25Q1 ’26$229mQ4 ’26
Source: SEC filings
Last 12 monthsAFRMSector median
Revenue growth+32.2%+10.2%
Operating margin9.8%22.3%
Free cash flow margin23.3%20.3%
Price to earnings13.3x14.6x

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Similar companies

Transaction & Payment Processing Services, by market value.

CompanyPriceTodayYTDValue
VVisa$413.59+0.74%+17.9%$769B
MAMastercard$638.01+0.36%+11.8%$559B
PYPLPayPal$57.01+0.11%−2.3%$47.36B
XYZBlock$76.22−0.95%+17.1%$45.79B
FISVFiserv$50.02+3.18%−25.5%$26.60B
CPAYCorpay$400.94+0.75%+33.2%$26.33B
GPNGlobal Payments$96.84+12.97%+25.1%$25.63B
FISFidelity National Information Services$38.55+3.41%−42.0%$19.88B