Affirm enjoyed strong demand for buy now, pay later loans from both consumers and investors in the third quarter of its fiscal 2026, beating our expectations on strong volume growth and better-than-anticipated pricing on sold loans.
If transaction volume on the Affirm card continues to grow at such a high rate, it would reduce the firm’s reliance on any individual merchant partner and likely generate more repeat customer transactions.
As the buy-now, pay-later space reaches maturity, competition among providers could increase, leading to lower merchant payment rates for Affirm’s 0% financing options.
|
Metric
|
AFRM
|
|---|---|
Price/Earnings (Normalized) | 59.09 |
Price/Book Value | 5.77 |
Price/Sales | 5.93 |
Price/Cash Flow | 22.82 |
|
Metric
|
AFRM
|
|---|---|
Quick Ratio | 52.52 |
Current Ratio | 56.71 |
Interest Coverage | 1.90 |
|
Metric
|
AFRM
|
|---|---|
Return on Assets (Normalized) | 7.20% |
Return on Equity (Normalized) | 25.71% |
Return on Invested Capital (Normalized) | 11.03% |
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|---|
| Visa Inc Class A
V
| Ygyxsjqft | Tjdl | $607B | |||
| Mastercard Inc Class A
MA
| Jtwntwflb | Bzzn | $430B | |||
| American Express Co
AXP
| Bryrnxg | Tpql | $217B | |||
| Capital One Financial Corp
COF
| Jxtjjgtv | Bcjtw | $112B | |||
| PayPal Holdings Inc
PYPL
| Cvlxxcsng | Hlfwxsc | $36B | |||
| Synchrony Financial
SYF
| Xhjpqlcf | Grgmf | $24B | |||
| SoFi Technologies Inc Ordinary Shares
SOFI
| Vznrytyf | Rtbf | $21B | |||
| Ally Financial Inc
ALLY
| Kctyfgkd | Wwyf | $13B | |||
| Klarna Group PLC
KLAR
| Cjsvxxj | Kyywcmr | $6B |
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United States