Affirm AI Price Prediction

Affirm is currently profitable on an EPS basis with a relatively high PE ratio, suggesting the market is still pricing in strong future growth despite recent stock weakness. A PE of 61.49 on EPS of 0.81 implies that expectations remain elevated and leave limited room for execution missteps. Without detailed revenue and margin history, the core message is that valuation is growth‑dependent and somewhat stretched relative to recent price action.

• Positive EPS of 0.81 indicates the company is at least modestly profitable, a notable milestone for a high‑growth fintech that historically ran at losses.
• A PE ratio of 61.49 is high versus the broader market, implying investors are still paying a premium for future growth and scalability rather than current earnings power.
• Given the recent sharp stock decline, the valuation multiple remains demanding, so any slowdown in growth or deterioration in credit performance could pressure the stock further.

Alternative data for Affirm is mixed: very strong overall digital reach and hiring growth contrast with a sharp decline in app downloads, a key user‑growth proxy. Web traffic remains high, and job postings up 50% month over month suggest management is investing for expansion, but the 28.5% drop in daily app downloads raises questions about near‑term demand momentum. Social media follower trends are modestly positive but not strong enough to offset the concerns around user acquisition softness.

• Web traffic at an estimated 23.7 million visitors per month indicates strong brand reach and ongoing consumer interest, supportive of long‑term engagement.
• App downloads of ~501,000 per day are large in absolute terms but down 28.5% month over month, a negative signal for near‑term user growth and transaction volume momentum.
• Job openings at 3,000, up 50% month over month, imply aggressive hiring and expansion plans, which can signal confidence but also higher future operating costs if revenue growth does not keep pace.
• Social media presence is broad (e.g., ~339k LinkedIn followers) with low‑single‑digit percentage growth across most platforms, suggesting stable but not explosive brand engagement.
• The combination of strong hiring and traffic with weakening app downloads points to a company still investing for growth but facing potential friction in converting interest into active users.