Should I buy Affirm stock in 2025?

What is Affirm?

How much is Affirm stock?

The price of Affirm stock is falling this week. As of May 27, 2025, Affirm trades at $49.30 per share with a 24-hour gain of +0.67%, but a 1-week decline of -5.36%. The company has a market capitalization of $15.90 billion and an average daily trading volume of 8.93 million shares over the past three months.

With a beta of 3.66, Affirm exhibits significant share price volatility, which may appeal to investors seeking higher growth potential—and higher risk—in the dynamic fintech sector.

Our full analysis on Affirm stock

After a thorough review of Affirm Holdings’ latest financial disclosures and a close analysis of its stock’s trajectory over the past three years, we have systematically processed an extensive array of financial ratios, technical readings, market trends, and competitive positioning using our proprietary models. The result is a nuanced, data-driven perspective that weighs both recent momentum and underlying business transformation. So, why might Affirm stock once again become a strategic entry point into the fintech and Buy Now, Pay Later (BNPL) sector in 2025?

Recent Performance and Market Context

Affirm’s share price has staged a remarkable recovery in the past year, closing at $49.30 as of May 27, 2025—representing a 66.33% gain year-over-year and a 61.06% advance over the last six months. While the stock recently experienced a modest one-week dip of 5.36%, its sustained upward trend reflects a robust resurgence in investor confidence and the sector’s structural demand.

A string of positive operational milestones has underpinned this performance. Notably, Affirm posted Q3 2025 revenue of $783 million, exceeding consensus estimates with a notable +36% year-on-year expansion. The bottom line turned positive with a $2.8 million net income swing, following a period marked by substantial losses. Beating analyst EPS expectations, Affirm reported $0.01 per share instead of the anticipated $0.03 loss—a clear signal of operating leverage.

Sector-wide, the global appetite for flexible payment solutions has only intensified, with digital consumption and e-commerce spending remaining strong. The broader tech landscape—particularly fintech—continues to benefit from ongoing digital adoption in Southeast Asia, including the Philippines, where digital payments and installment solutions are rapidly gaining traction among young, tech-savvy consumers.

Technical Analysis

Affirm’s current technical posture is mixed, yet signals underlying bullish momentum. The Relative Strength Index (RSI) stands at 49.18, suggesting a neutral stance without overbought conditions, allowing ample room for upward movement. The MACD indicator, with a positive reading of 0.57, flashes a buy signal, hinting at the possibility of a short-term reversal from recent weakness.

A closer glance at moving averages reveals converging bullish factors:

• The stock is trading above its 50-day Simple Moving Average (SMA) of $47.23, a constructive sign for medium-term uptrends.
• While prices currently trail most longer-term averages (20-, 100-, and 200-day SMAs), these levels—particularly $51.39 (200-day SMA)—serve as attainable milestones should momentum accelerate, potentially setting the stage for a constructive breakout.

Three robust support levels have crystallized at $48.40, $47.46, and $46.86, offering confidence for technically oriented investors to consider new entries on any pullback. Key resistance spans $49.91 to $52.36—above which, a breakout may pave the way for a move towards the upper reaches of its 52-week range ($82.53).

Fundamental Analysis

Affirm’s fundamental backdrop is marked by rapid growth and demonstrable operational progress:

• Revenue and Profitability: Revenues surged 36% year-on-year in the latest quarter, outpacing both sector norms and internal benchmarks. A return to positive net income, complementing an improved 22% adjusted operating margin, underscores a shift from customer acquisition towards disciplined earnings delivery.
• Valuation: The forward P/E ratio, though elevated at 56.18, reflects elevated growth expectations rather than excess speculation. For context, the price-to-sales (P/S) ratio of 5.25 and enterprise-value-to-revenue multiple of 7.03 remain within the typical range for fast-growing fintech peers, especially given Affirm’s newly achieved profitability and robust user growth.
• Competitive Advantages:
• Affirm is the largest U.S. BNPL provider, serving 22 million active users and collaborating with over 358,000 merchant partners.
• Its innovative underwriting combines advanced AI-driven credit modeling and fraud detection, differentiating it from commodity BNPL players.
• The evolving Affirm Card business line registered a striking 115% GMV growth, solidifying the company’s capacity to expand wallet share and relevance within the payment landscape.

Volume and Liquidity

Average daily trading volume stands at a healthy 8.93 million shares, indicating robust liquidity that appeals to institutional and active retail investors alike. Such trading activity underscores strong market depth and confidence in the stock’s valuation. Affirm’s sizable float facilitates dynamic price discovery and institutional participation, key attributes for a stock seeking price resilience during both rallies and consolidations.

Catalysts and Positive Outlook

The forthcoming quarters stand to benefit from several well-identified bullish catalysts:

• Partnership and Expansion: New alliances—most notably with Apple Pay and JPMorgan Chase—are set to expand Affirm’s reach and adoption, opening access to millions of new customers both online and in-store.
• International Growth: Affirm’s entry into the UK and Canada, and its stated ambitions for Australia and European markets, position it at the forefront of global BNPL adoption. This diversification lowers dependence on the U.S. market and taps into broader secular trends.
• Affirm Card Momentum: The dramatic acceleration in Affirm Card adoption (115% GMV growth YoY) provides a high-visibility driver of incremental fee streams and brand engagement.
• Consumer Trends: Younger generations in both the U.S. and fast-growing digital markets like the Philippines display a strong preference for flexible, tech-enabled payment solutions, which should continue to feed Affirm’s growth engine.
• ESG and AI Initiatives: Affirm’s debt transparency, exclusion of late fees, and responsible borrowing mechanisms align it with emerging environmental, social, and governance (ESG) standards, while heavy AI investment supports scalable, risk-managed expansion.

Investment Strategies

Multiple entry strategies can potentially be justified, given Affirm’s market dynamics:

• Short-Term: Recent consolidation just above key support at $48.40, combined with a MACD buy signal, could be seen as an advantageous technical window for traders seeking exposure ahead of upcoming product announcements or earnings reports.
• Medium-Term: Accumulating positions within the $47.50–$50.00 range takes advantage of both technical support and pending catalysts (such as the continued rollout of global partnerships and Affirm Card penetration).
• Long-Term: For investors bullish on fintech and the BNPL paradigm, current price levels—significantly below the 52-week high—may offer a compelling risk-reward profile, leveraging Affirm’s dominant U.S. position and rapid global expansion.

Is It the Right Time to Buy Affirm?

Bringing together these factors, Affirm clearly stands out as a fintech innovator experiencing renewed operational momentum, validated by strong revenue growth, a return to profitability, and multiple strategic partnerships. The technical and fundamental backdrops appear aligned for an inflection point—particularly as the stock consolidates near strong support and ahead of potential upward catalysts in both product and geography.

While volatility and regulatory oversight are inherent to the sector, Affirm’s scale, pace of innovation, and demonstrated resilience support a decidedly optimistic outlook. For investors aiming to participate in the global surge for flexible financial solutions, Affirm appears poised to benefit disproportionately from secular tailwinds.

In conclusion, the stock’s fundamentals, liquidity, and unique growth drivers seem to represent an excellent opportunity for consideration. Affirm’s robust recovery, strong technical foundation, and future-forward business model hint at a potential new bullish phase—one that may reward investors positioned for both near-term momentum and long-term growth in digital finance. The evolving payment landscape, enhanced by Affirm’s innovation and reach, places this fintech leader at the heart of one of the most vital stories in global technology investing today—an opportunity worthy of close consideration for those seeking exposure to the next wave of financial disruption.

How to buy Affirm stock in PH?

Buying Affirm (AFRM) stock online is now easier and safer than ever for investors in the Philippines, thanks to regulated international brokers. You may choose between two main approaches: spot buying, where you own actual shares of Affirm, and trading via CFDs (Contracts for Difference), which allows you to speculate on Affirm’s price movements without owning the underlying stock. Both methods are accessible online and integrate security measures to protect your investments. Each approach has its own fees and features, making it important to select the method that fits your goals. To help you make the best choice, a detailed broker comparison is available further down the page.

Spot Buying

A cash or spot purchase means you buy actual Affirm shares on the NASDAQ and become a direct shareholder. This long-term approach allows you to benefit from any share price growth and potential capital gains. Common fees for Filipino investors include a fixed commission per order, typically ranging from PHP 250 to PHP 500 (around $5–$9 USD), depending on the broker.

Example

If Affirm’s share price is $49.30, a $1,000 stake allows you to buy approximately 20 shares (excluding fractional shares and subject to FX rates), after accounting for a brokerage fee of about $5 (roughly PHP 285). ✔️ Gain scenario: If Affirm’s price rises by 10%, your 20 shares are now worth around $1,100. Result: That’s a +$100 gross gain, representing a 10% return on your investment.

Trading via CFD

CFD trading lets you speculate on Affirm’s share price movements without owning the stock. CFDs are popular for their flexibility and the option to use leverage. Instead of a fixed commission, brokers typically charge a spread (the difference between buy and sell price) and, if held overnight, a small daily financing fee. These costs can add up, especially with high leverage.

Example

Suppose you open a CFD position on Affirm with a $1,000 deposit using 5x leverage. This means your exposure to the market is $5,000. ✔️ Gain scenario: If Affirm’s stock rises by 8%, your position would gain 8% × 5 = 40%. Result: That’s a $400 profit on your initial $1,000 (excluding fees).

Final Advice

Before investing, always compare brokers for fees, features, safety, and funding options—these can impact your total return, whether you’re spot buying or trading CFDs. Remember, spot buying means actual ownership (ideal for long-term investors), while CFDs are more suitable for those seeking short-term opportunities and are comfortable with higher risks. Review our broker comparison below to find the option that aligns best with your financial objectives and risk tolerance.

Our 7 tips for buying Affirm stock

The latest news about Affirm

Affirm reports a profitable Q3 2025, beating earnings expectations and accelerating revenue growth by 36% year-over-year. In the most recent quarter, Affirm delivered $783 million in revenue, surpassing forecasts and reflecting strong year-on-year expansion in both revenue and Gross Merchandise Volume (GMV). The company also posted a net income of $2.8 million, a remarkable turnaround from a $133.9 million loss a year earlier, and achieved an adjusted operating margin of 22%. These solid financials indicate management’s ongoing effectiveness and the resilience of the business model, which should inspire investor confidence, including those in the Philippines keen on fintech sector growth.

Technical signals for Affirm are mixed, highlighting nuanced trading opportunities for regional investors seeking entry points. As of May 27, key technical indicators paint a varied picture: while the MACD and 50-day Simple Moving Average (SMA) favor a buy sentiment, the 20-day, 100-day, and 200-day SMAs suggest sell signals. The Relative Strength Index (RSI) remains neutral at 49.18. Notably, Affirm’s closing price of $49.30 hovers just above critical support levels, suggesting consolidation and possible value opportunities for traders in the PH market looking for exposure to international high-growth fintech stocks.

Affirm continues to expand internationally, enhancing its long-term growth prospects and broadening relevance for ASEAN investors. The company’s recent entry into the UK and expansion of its partnership with Shopify into Canada demonstrate its capability to scale beyond U.S. borders. Although Affirm does not yet operate directly in the Philippines, these international moves signal a roadmap that could see its BNPL (Buy Now, Pay Later) solutions deployed in new regions, possibly benefitting regional partners, merchants, and cross-border e-commerce platforms—developments which are of particular interest to PH financial analysts tracking global fintech integration.

Strategic partnerships with global leaders like JPMorgan Chase and Apple Pay reinforce Affirm’s sector leadership and global integration potential. Affirm’s collaboration with JPMorgan Chase, announced in March 2025, and its partnership with Apple Pay in June 2024, have strengthened its footprint in digital payments ecosystems. Such alliances not only validate its technology and credit-risk models but also create additional avenues for revenue and user acquisition. For Filipino investors and analysts, these partnerships demonstrate Affirm’s compatibility with top-tier financial and technology infrastructure, raising its profile among international fintech players.

The buy now, pay later sector’s robust global adoption and Affirm’s strong user and merchant growth signal ongoing sector momentum. Affirm’s active user base has risen to 22 million, and merchant partnerships have climbed to 358,000, processing $28 billion in transactions annually. The 115% year-over-year growth of the Affirm Card further illustrates its expanding portfolio and uptake, trends that echo rising BNPL penetration in emerging markets. This momentum is especially relevant for Philippine analysts tracking the rapid evolution of installment-based payment solutions, offering perspective on the potential trajectory and economic impacts should Affirm—or similar platforms—enter the local market.

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.