Nama's AI scorecard currently rates Affirm Hold (4.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is AFRM's P/E ratio?

Affirm trades at a trailing price-to-earnings ratio of 9.7.

When does AFRM report earnings?

Affirm's next scheduled report is on Feb 4, 2027. Analysts expect EPS of $1.10.

What is the AFRM price target?

The median analyst price target from 34 analysts is $100.00, with a range of $66.00 – $115.00.

Is AFRM Shariah compliant?

Nama's AAOIFI-style screen reads Affirm as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Affirm (AFRM)

Financial Services · Credit Services · NASDAQ

Affirm (AFRM) is a Financial Services company in the Credit Services industry. It has a market capitalization of $22.98B and a trailing price-to-earnings ratio of 9.7. Over the most recent reported fiscal year, revenue grew 32.1%. Nama's AI scorecard rates it Hold, 4.3 out of 10. On 12-month momentum it ranks in the middle band of its market.

AI scorecard

Hold · 4.3/10

The sections balance. As of Nov 7, 2026.

Momentum

Middle · +14.2% over 12 months ex. last

Middle fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-61.4%

How far the last close sits under the highest price of the past five years.

Market cap	$22.98B
Trailing P/E	9.7
Price / book	4.2
Price / sales	5.4
FCF yield	—
Dividend yield	—
Gross margin	68.1%
Operating margin	20.4%
Net margin	45.3%
Revenue growth (YoY)	+32.1%
Revenue growth (3-yr annual)	+39.0%
EPS growth (YoY)	+276.1%
FCF/share growth (YoY)	—
Beta	3.8
Exchange	NASDAQ
Sector	Financial Services
Industry	Credit Services

AFRM earnings

Next report: Feb 4, 2027 (Q2 2027, EPS estimate $1.10). Beat the EPS estimate in 1 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q1 2027	Nov 5, 2026	$0.71	$0.86	-17.4%	—
Q4 2026	Aug 27, 2026	$4.97	$0.85	+484.7%	$1.17B
Q3 2026	May 7, 2026	$0.62	$0.73	-15.1%	$1.04B
Q2 2026	Feb 5, 2026	$0.72	$0.84	-14.3%	$1.12B

AFRM analyst price target

Median target $100.00 from 34 analysts, ranging $66.00 – $115.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
SYF	Synchrony Financial	$23.99B	7.6
SOFI	SoFi Technologies	$21.02B	30.0
ALLY	Ally Financial	$11.45B	8.0

Explore live AFRM data on Nama Insights →

AFRM FAQ

Is AFRM a buy?: Nama's AI scorecard currently rates Affirm Hold (4.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is AFRM's P/E ratio?: Affirm trades at a trailing price-to-earnings ratio of 9.7.
When does AFRM report earnings?: Affirm's next scheduled report is on Feb 4, 2027. Analysts expect EPS of $1.10.
What is the AFRM price target?: The median analyst price target from 34 analysts is $100.00, with a range of $66.00 – $115.00.
Is AFRM Shariah compliant?: Nama's AAOIFI-style screen reads Affirm as Not Shariah Compliant. At least one of the three ratios or the industry test failed.