Affirm Holdings Future Growth
Future criteria checks 4/6
Affirm Holdings is forecast to grow earnings and revenue by 31.8% and 17.9% per annum respectively. EPS is expected to grow by 29.8% per annum. Return on equity is forecast to be 16.4% in 3 years.
Key information
31.8%
Earnings growth rate
29.79%
EPS growth rate
| Diversified Financial earnings growth | 9.4% |
| Revenue growth rate | 17.9% |
| Future return on equity | 16.38% |
| Analyst coverage | Good |
| Last updated | 23 Dec 2025 |
Recent future growth updates
Recent updates
Affirm: Merchant Concentration And U.K. Challenges Point To 30% Downside
Dec 01Affirm Holdings, Inc. (NASDAQ:AFRM) Looks Just Right With A 26% Price Jump
Sep 20
Revenues Tell The Story For Affirm Holdings, Inc. (NASDAQ:AFRM) As Its Stock Soars 31%
Jun 20Revenues Tell The Story For Affirm Holdings, Inc. (NASDAQ:AFRM) As Its Stock Soars 46%
May 04
0% APR Loans And AI Will Redefine Consumer Lending
Expanding 0% APR loans and consumer network aims to boost customer base and transaction volumes, fostering revenue and GMV growth.Affirm: What Does Losing Walmart Mean For Affirm?
Mar 28Affirm: Rating Upgrade With GAAP Profitability Imminent
Mar 10Affirm Holdings, Inc. (NASDAQ:AFRM) Stocks Pounded By 31% But Not Lagging Industry On Growth Or Pricing
Mar 09Affirm Holdings Q2: A Perfect Time To Take Profits (Rating Downgrade)
Feb 07Affirm: Minimal Gains Expected From Here (Technical Analysis)
Jan 15Affirm: Big Bull For 2025
Jan 08Affirm: Wait Now, Buy Later
Dec 07Affirm Holdings Could Be Set For A Breakout
Nov 19Affirm: Look Beyond Next Earnings Release
Nov 05Affirm: Still A Prime BNPL Player After A Moderate Pullback
Oct 22Affirm Holdings Is A Buy (Technical Analysis)
Sep 17Affirm: Unnecessary Focus On GAAP Profits
Aug 29Affirm Holdings: Undervalued With Potential For Re-Rating And Long-Term Growth
Jun 20Affirm: Significant Upside Potential, Growing Adoption With Expanding Merchants And Profitability
May 23Affirm: More Room To Grow In A Favorable BNPL Landscape
May 16Affirm: Acceleration Across The Board
Apr 18Affirm: Risk-Reward Is Attractive To Initiate A Position In The Stock
Apr 06Affirm Holdings: Get In Before The Fed Cuts
Mar 07Affirm: The Recent Inflection In The Business Is Under-Appreciated
Jan 23Earnings and Revenue Growth Forecasts
| Date | Revenue | Earnings | Free Cash Flow | Cash from Op | Avg. No. Analysts |
|---|---|---|---|---|---|
| 6/30/2028 | 6,283 | 922 | 2,758 | 2,348 | 16 |
| 6/30/2027 | 5,074 | 598 | 1,725 | 1,933 | 26 |
| 6/30/2026 | 4,072 | 349 | 1,382 | 1,433 | 25 |
| 9/30/2025 | 3,459 | 233 | 769 | 972 | N/A |
| 6/30/2025 | 3,224 | 52 | 602 | 794 | N/A |
| 3/31/2025 | 3,007 | -62 | 609 | 788 | N/A |
| 12/31/2024 | 2,800 | -199 | 613 | 786 | N/A |
| 9/30/2024 | 2,525 | -446 | 380 | 548 | N/A |
| 6/30/2024 | 2,323 | -518 | 291 | 450 | N/A |
| 3/31/2024 | 2,110 | -679 | 279 | 425 | N/A |
| 12/31/2023 | 1,914 | -750 | 33 | 163 | N/A |
| 9/30/2023 | 1,723 | -906 | -66 | 60 | N/A |
| 6/30/2023 | 1,588 | -985 | -109 | 12 | N/A |
| 3/31/2023 | 1,506 | -966 | -239 | -91 | N/A |
| 12/31/2022 | 1,480 | -815 | -203 | -64 | N/A |
| 9/30/2022 | 1,442 | -652 | -603 | -476 | N/A |
| 6/30/2022 | 1,349 | -707 | -274 | -162 | N/A |
| 3/31/2022 | 1,247 | -644 | -164 | -123 | N/A |
| 12/31/2021 | 1,123 | -877 | -270 | -218 | N/A |
| 9/30/2021 | 966 | -744 | 142 | 174 | N/A |
| 6/30/2021 | 870 | -441 | -213 | -193 | N/A |
| 3/31/2021 | 762 | -283 | -242 | -202 | N/A |
| 12/31/2020 | 670 | -81 | -101 | -87 | N/A |
| 9/30/2020 | 596 | -99 | -75 | -55 | N/A |
| 6/30/2020 | 510 | -113 | -92 | -71 | N/A |
| 6/30/2019 | 264 | -135 | N/A | -88 | N/A |
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AFRM's forecast earnings growth (31.8% per year) is above the savings rate (3.3%).
Earnings vs Market: AFRM's earnings (31.8% per year) are forecast to grow faster than the US market (15.9% per year).
High Growth Earnings: AFRM's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: AFRM's revenue (17.9% per year) is forecast to grow faster than the US market (10.4% per year).
High Growth Revenue: AFRM's revenue (17.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AFRM's Return on Equity is forecast to be low in 3 years time (16.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/05 11:16 |
| End of Day Share Price | 2026/01/02 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
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Industry and Sector Metrics
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Analyst Sources
Affirm Holdings, Inc. is covered by 37 analysts. 26 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ramsey El-Assal | Barclays |
| Mihir Bhatia | BofA Global Research |
| Vincent Caintic | BTIG |