Should You Buy Affirm Stock in the Philippines? A 2025 Analysis

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At HelloSafe, our expert has been tracking the performance of Affirm for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Affirm.

What is Affirm?

The price of Affirm stock

The price of Affirm stock is rising this week. As of now, Affirm trades at $69.07, up $1.34 (+1.98%) over the past 24 hours and showing a +2.94% gain over the week. The company’s market capitalization stands at $22.28 billion, with an average three-month daily volume of 7.05 million shares. While Affirm currently reports no P/E ratio and no dividend yield, its stock demonstrates high volatility, with a beta of 3.58. This reflects both its strong growth potential and the need for extra vigilance by investors in the PH market.

Our full analysis on Affirm stock

Having reviewed Affirm’s latest financial disclosures and share price history over the last three years, this in-depth analysis leverages our proprietary model that synthesizes fundamentals, technical signals, comparative performance data, and a multi-competitor lens. Contextualized for the Philippine investor, we evaluate where Affirm stands now and what lies ahead. So, why might Affirm stock once again become a strategic entry point into the fintech and digital payments sector in 2025?

Recent performance and market context

Affirm has delivered a remarkable one-year gain of +143.55%, with its share price currently at $69.07 (as of July 2025). The stock is up 2.94% week-on-week and 17.73% over the last six months, solidly outperforming the Nasdaq and many fintech peers. A market capitalization of $22.28 billion places Affirm among the most influential names in U.S. fintech. Importantly, these gains are backed by tangible developments, including a 36% increase in quarterly revenue, robust gross merchandise volumes, and notable ecosystem expansion with over 150 new partnership integrations.

The sector context is favorable, with the Buy Now, Pay Later (BNPL) segment experiencing rapid growth globally and increasing retail adoption in Asia, including the Philippines. Affirm’s ability to scale active users (now 22 million+) and expand its merchant base—while rival Klarna targets IPO and PayPal pursues aggressive BNPL strategies—underscores its positive, competitive differentiation.

Technical analysis

Technical indicators signal a constructive momentum environment for Affirm. The Relative Strength Index (RSI) at 61.66 suggests neither overbought nor oversold conditions, leaving room for further technical advances. The MACD (12,26,9) at 3.84 presents a neutral-to-cautious pattern, but all major moving averages—20-day ($64.62), 50-day ($56.93), and 200-day ($55.31)—are issuing buy signals, providing a strong technical undercurrent.

Affirm trades just above key support levels at $66.51 and $68.82, further reducing near-term downside risk, and sits just under a resistance range ($70.23 - $72.51) that, if broken, could open new upward territory. The 52-week range from $22.25 to $82.53 highlights how Affirm is consolidating at much higher value zones, reinforcing new price floors.

Fundamental analysis

Affirm’s fundamentals are characterized by robust revenue growth and clear strategic focus. In Q3 2025, revenue increased by 36% year-on-year to $783.1 million, while GMV (Gross Merchandise Volume) expanded equally, marking sustained consumer adoption and merchant trust. Adjusted earnings per share handily exceeded analyst expectations, reflecting effective cost and margin management.

Though not yet profitable on a trailing basis, Affirm’s forward P/E (84.75) positions it as a high-growth asset, common for disruptive fintech models at scale. The company continues to invest in new technology, partner integration, and product features—being the first major BNPL player to confirm no late fees and to pursue transparent merchant-based pricing. Affirm’s founder, Max Levchin (also a PayPal co-founder), has steered the group to a dominant U.S. market position and is executing on a multi-year plan toward GAAP profitability by end-2025.

• Strong, innovation-driven brand reputation
• Market leadership in U.S. BNPL sector, with rapid user growth
• Diversification into larger merchant and partner networks (e.g., expanded Shopify partnership)

Volume and liquidity

Affirm’s 3-month average daily volume stands at 7.05 million shares, delivering excellent liquidity for all investor profiles. This depth ensures that retail and professional investors in the Philippines can enter or exit positions seamlessly, with minimal slippage even around major news events or results releases. A broad public float further enables dynamic valuation and demonstrates sustained institutional and global investor interest.

High liquidity in U.S. names like Affirm also allows local investors to implement short-term strategies or tactical rebalancing in line with global equity cycles—a notable advantage for PH-based mutual funds or active traders with U.S. brokerage access.

Catalysts and positive outlook

• Surge in BNPL adoption across Asia-Pacific, with a rising digital-native population and increasing merchant demand for flexible payment solutions
• Affirm’s expansion of global partnerships (more than 150 partners) and its unique late-fee-free business model appealing to new consumer segments
• Positive recent developments, including the extension of partnerships with Shopify and Moore Capital Management, strengthening Affirm’s ecosystem
• Ambition to become the “American Express of BNPL” and solid brand equity among Gen Z and millennial shoppers
• Strategic emphasis on artificial intelligence, risk analytics, and next-generation underwriting practices to boost profitability and scalability
• The company’s stated goal to achieve GAAP profitability by end-2025, positioning it as one of the first U.S. BNPL fintechs to transition into sustained profit

Sector momentum also supports Affirm. BNPL remains one of the fastest-growing verticals in fintech, with regulatory clarity in major markets and sustained consumer appetite for alternative credit products. This context is amplified in emerging markets like the Philippines, where digital finance adoption trends outpace regional averages.

Investment strategies

• Short-term: Investors may benefit from buying near technical support ($66.51 / $68.82), aiming to ride potential breakouts above identified resistance around $70.23 – $72.51, especially into the forthcoming results season.
• Medium-term: This phase appears promising for position-building, as Affirm is on track toward profitability and continues to deliver above-expectation revenue growth. Entry prior to major product rollouts or macro catalysts (such as regulatory shifts in BNPL or broader e-commerce peaks) may offer compelling upside.
• Long-term: With Affirm addressing a massive addressable market and showing an enviable compound annual GMV growth rate, patient investors targeting the digital payments revolution are well served by its exposure. Holding through potential volatility could capture multi-year secular growth as Affirm executes on its expansion roadmap.

A potential strategy could involve incremental accumulation, scaling in over several months to benefit from any tactical corrections and optimize overall cost basis.

Is it the right time to buy Affirm?

Affirm seems to represent an excellent opportunity at its current valuation and trajectory. The combination of rapid revenue expansion, clear leadership in the U.S. BNPL space, structural partnerships, and a strategic path to profitability are all in place. The technical base looks solid, while consistently high trading volume underscores market confidence.

With ongoing digital payment adoption in Southeast Asia—particularly the Philippines—and Affirm’s commitment to innovation, the fundamentals and catalysts justify renewed interest. Monitoring key support levels, regulatory developments, and upcoming results (notably the Q4 and end-2025 earnings) may yield further entry timing insights.

For investors seeking high-growth fintech with institutional credibility, sector leadership, and strategic clarity, Affirm stock may be entering a new bullish phase as it transforms not only its own platform but the broader payments industry landscape.

How to buy Affirm stock in the Philippines

Buying Affirm stock online is simple, secure, and accessible to anyone in the Philippines with a regulated broker account. You can choose between two main ways: spot buying, where you directly own the shares, or trading via contracts for difference (CFDs), which lets you benefit from price movements without owning the asset. Each method offers unique benefits and risks, and your choice should align with your investment goals. For a clear comparison of the best brokers for Affirm, check out the overview later on this page.

Spot buying

When you buy Affirm stock for cash (also called spot buying), you become an actual shareholder and benefit from any increase in the company’s share price. The main cost is a straightforward commission per order, which for PH-based investors typically ranges from PHP 250–PHP 500 (about $3–$10). This is charged each time you buy or sell shares.

Gain scenario

For example: If the Affirm share price is $69.07 (USD), you can buy around 14 shares with a $1,000 stake, including a brokerage fee of around $5.

If the share price rises by 10%, your shares are now worth $1,100.

Result: +$100 gross gain, i.e. +10% on your investment.

Trading via CFD

CFDs (Contracts for Difference) let you speculate on Affirm stock’s price movements without owning the shares. You can use leverage, meaning you control a larger position with a smaller deposit. Fees usually include the spread (the broker’s markup on price) and potential overnight financing costs if you keep positions open long-term.

Gain scenario

For example: You open a CFD position on Affirm shares, with 5x leverage and a $1,000 stake. This gives you a market exposure of $5,000.

If the stock rises by 8%, your position gains 8% × 5 = 40%. Result: +$400 gain, on a bet of $1,000 (excluding fees).

Final advice

Always compare different brokers’ costs, platforms, and trading conditions before investing in Affirm. Some brokers specialize in cash trading, others in leveraged CFD products, and fees can vary. Your decision should reflect your financial objectives and risk appetite. Use the broker comparison below to find the best fit for your needs before making a move in the market.

Our 7 tips for buying Affirm stock

The latest news about Affirm

Affirm shares surge nearly 3% this week on strong Q3 results and analyst targets.
Affirm’s stock closed at $69.07, gaining 2.94% over the past seven days, supported by robust quarterly growth and a consensus target aligning with continued bullish market outlook. The company’s powerful revenue momentum and positive EPS surprise have drawn renewed attention from investors assessing fintech opportunities in the region.

Affirm reports 36% year-on-year revenue growth with active user base expanding by 23%.
The most recent earnings show Q3 revenue at $783.1 million, with gross merchandise volume hitting $8.6 billion. These figures, combined with rapid user acquisition, highlight Affirm’s growing influence, particularly among global consumers seeking flexible payment solutions that resonate with the Philippines’ young, tech-savvy demographic.

Affirm’s partnership ecosystem exceeds 150, positioning it for further APAC integration.
Recent partnerships, including an expanded agreement with Shopify and Moore Capital Management, strengthen Affirm's merchant footprint and digital reach. These developments offer useful context for PH investors, as Affirm continues to pursue strategic alliances likely to facilitate regional fintech adoption.

Long-term outlook improves as Affirm renews push for profitability and targets new BNPL markets.
Analysts note Affirm’s transformation strategy, driven by the goal of achieving GAAP profitability by the end of 2025 and leveraging the growing buy-now, pay-later market across Southeast Asia. This places the company on a path aligned with rapid digital payments growth in PH and neighboring economies.

Technical momentum remains constructive, with Affirm trading above all major moving averages.
The stock’s price action presently sits above 20-, 50-, and 200-day averages, signaling sustained upside momentum that is attracting both institutional and regional investor interest. This technical strength provides a reassuring backdrop for Philippine analysts evaluating exposure to global fintech leaders like Affirm.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.