Affirm holds strong customer confidence with a 4.8/5 cross-platform rating across 2.3 million reviews, sentiment stable week-over-week. The NeoBase index sits at 69.9/100, down marginally (-0.1), reflecting analyst caution around near-term catalysts despite recent stock outperformance and accelerating fundamentals. Media sentiment tilts positive on valuation and growth trajectory, though some headlines signal investor concern about sustainability beyond current momentum.
Sentiment index
our score · updated every monthRatings across platforms
★ 4.8 · 2.3M · 3Where Affirm operates
2 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformWhere Affirm's money came from and went
FY2025Show the figures as a table
| Line item | Direction | Amount |
|---|---|---|
| Merchant network and card revenue | Income and profit kept | $1,114m |
| Interest income | Income and profit kept | $1,608m |
| Gain on sales of loans | Income and profit kept | $381.6m |
| Servicing income | Income and profit kept | $120.6m |
| Net non-operating income | Income and profit kept | $148.7m |
| Total inflows | $3,373m | |
| Loss on loan purchase commitment | Costs and tax | $242.3m |
| Provision for credit losses | Costs and tax | $616.7m |
| Funding costs | Costs and tax | $425.5m |
| Processing and servicing | Costs and tax | $457.8m |
| Technology and data analytics | Costs and tax | $589.7m |
| Sales and marketing | Costs and tax | $434.8m |
| General and administrative | Costs and tax | $545.1m |
| Tax | Costs and tax | $9.3m |
| Net profit | Kept | $51.9m |
Source: Form 10-K (SEC) · figures in millions, rounded · Compare with other fintechs
App screenshots
App Store
In the media
brand coverageAffirm (NASDAQ:AFRM) Clears High-Growth Screen as Fundamentals Accelerate
www.chartmill.com · 3w ago
AFRM clears Navellier's 8 growth rules with strong revisions, earnings surprises, revenue & EPS growth. High momentum but pricey valuation.
Affirm vs. Upstart: How a $10,000 bet split into a $42,871 gap
247wallst.com · 3w ago
Same industry, same three years, $42871 of difference: $10000 in Affirm is now $51765, while the identical bet on Upstart is worth $8894,...
5 Best Buy Now, Pay Later Stocks for 2026 and How to Invest
www.fool.com · 3w ago
Buy now, pay later (BNPL) stocks are companies that provide a form of short-term financing. Here's what investors should know.
Affirm Falls as No Fresh Catalyst Emerges and Traders May Be Resetting Ahead of Earnings
www.quiverquant.com · 3w ago
Affirm Holdings (AFRM) is down 3.4% today. Here is some analysis on what might have caused this pric.
A Fintech Stock That’s Up 80% This Quarter Still Has Wall Street Bulls Asking For More
stocktwits.com · 3w ago
Piper Sandler initiated coverage of Affirm with an 'Overweight' rating and a $103 price target, which indicates an upside potential of...
Latest from social
LinkedIn & FacebookWhat people are saying
mentions on X, Reddit & Facebook@Affirm All BS lies but it's fine I'll just let karma do it's work
Frequently asked questions
Does Affirm charge interest?
Affirm charges 0–36% APR depending on the merchant, purchase amount, and your creditworthiness. Some merchants offer 0% APR promotions. Unlike credit cards, interest never compounds and there are no late fees or hidden charges.
Does Affirm affect my credit score?
Affirm performs a soft credit check that doesn't affect your score when you apply. However, some longer-term loans may be reported to credit bureaus, which could affect your score if you miss payments.
What is the Affirm Card?
The Affirm Card is a Visa debit card that lets you decide — either at the time of purchase or after — whether to pay in full or split it into instalments using Affirm's BNPL technology.
Is Affirm available in Canada?
Affirm launched in Canada in 2021 and is available through select merchants. The product offering may differ from the US version.
Where can I use Affirm?
Affirm is accepted at 300,000+ merchants including Amazon, Shopify stores, Walmart, Target, Best Buy, and many others — both online and in-store via the Affirm Card.
Compare Affirm with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
Spotted incorrect data on this page? Let us know.