Freedom Capital Markets has initiated coverage on Affirm Holdings Inc (AFRM), assigning a Buy rating. This marks the firm's first assessment of the company's investment potential, reflecting their analysis of Affirm's business model, industry dynamics, and growth opportunities.
Headquartered in San Francisco, California, Affirm operates a platform for digital and mobile-first commerce, employing 2,206 full-time staff. The company went public on January 13, 2021, and is engaged in building a payment network that includes point-of-sale payment solutions for consumers and merchant commerce solutions. Its consumer-focused app and website provide tailored offers based on individual preferences, allowing users to apply for financing via a single-use virtual card.
As of November 25, 2025, Affirm boasts a market capitalization of $22.1 billion, with a trailing P/E ratio of 94.72 and an EPS of 0.65. Upcoming earnings reports are scheduled for May 7, 2026, with an estimated EPS of $0.19 and revenue of $998 million, following a strong performance in Q1 2026 where EPS reached $0.23, exceeding estimates by 110.4%.
The move underscores a broader trend in analyst sentiment, with a consensus rating of Buy among 33 analysts, including 8 Strong Buy and 17 Buy ratings. Analyst opinions can vary and are subject to change as new information arises, emphasizing the importance of considering multiple factors when making investment decisions.
This update provides insight into Affirm's current standing in the financial services industry and highlights its potential for growth in the evolving digital commerce landscape.