Should I buy Affirm stock in 2025? (Ireland Edition)

What is Affirm?

How much is Affirm stock?

The price of Affirm stock is rising this week. As of now, Affirm trades at $52.05, showing a 24-hour gain of $1.37 (+2.70%) and a robust weekly increase of 10.18%. The company’s market capitalisation stands at $16.79 billion, with an average three-month daily volume of 8.81 million shares. Currently, Affirm does not report a price-to-earnings ratio due to ongoing losses and offers no dividend yield. Its stock beta is notably high at 3.66, reflecting significant volatility—an important factor for IE investors to weigh when considering potential opportunities in this dynamic sector.

Our full analysis on the Affirm stock

After a rigorous review of Affirm Holdings, Inc.’s latest quarterly financial disclosures and an in-depth analysis of its share price evolution over the past three years, our proprietary multi-factor algorithms have synthesized the company’s fundamental data, technical signals, and broader market dynamics—benchmarked against its principal sector competitors. So, why might Affirm once again become a strategic entry point into the fintech sector as 2025 unfolds?

Recent Performance and Market Context

Affirm (NASDAQ: AFRM) has demonstrated remarkable share price volatility in recent months, highlighting its standout role in the “buy now, pay later” (BNPL) ecosystem. As of 30 May 2025, Affirm trades at $52.05, representing a robust 81.23% increase over the previous twelve months. While the stock had seen a pronounced rally, a 25.65% retracement over the past six months has effectively reset its valuation, giving investors a clear technical pivot zone.

Positive market momentum gathered steam during May, following swift rebounds from Q3 results that surpassed consensus expectations on earnings per share ($0.01 vs. -$0.09 forecast). Despite a temporary 13% dip post-earnings due to conservative forward revenue guidance, Affirm’s expansion of its Williams-Sonoma partnership in Canada and ongoing strategic developments have helped to buoy sentiment.

Macro headwinds such as rising consumer spending, the stickiness of e-commerce, and an increased preference for flexible payment solutions all serve as tailwinds, placing fintechs like Affirm at the centre of secular growth trends. Indeed, with BNPL market size projected to top $20.4bn globally by 2028, current sector multiples begin to appear justified, and even compelling, for growth-focused equity portfolios in Ireland and abroad.

Technical Analysis

An expert technical appraisal reveals a complex yet ultimately constructive chart pattern. Affirm is presently trading in the vicinity of its 50-day moving average support ($50.18), having weathered a recent “death cross,” with the 50-day average dipping below the 200-day in early May. While traditionally a medium-term bearish signal, current levels have historically functioned as dynamic support, offering risk-tolerant investors an attractive asymmetric entry.

Key indicators paint a picture of normalisation following prior volatility:

• Relative Strength Index (RSI): At 51.5, indicating neither overbought nor oversold, giving ample scope for an upward move.
• MACD: Positive at 0.57, confirming underlying short-term bullish momentum.
• Support/Resistance: Immediate support sits at ~$50.18; a technical breakout is plausible on sustained closes above the $55–$60 historic cap.

While recent price action has solidified the $50 area as both a psychological and technical foundation, a shift back above the $60 mark could catalyse a new bull phase, especially if accompanied by volume expansion.

Fundamental Analysis

Affirm’s fundamentals are marked by dynamic, above-market revenue growth and scalable strategic ambition. In Q3 2025, revenue climbed 35.9% year-over-year to reach $783.14m—outpacing both legacy players and newer entrants in the BNPL space. The company generated a positive EBITDA ($296.96m TTM), and notably surprised the market with an earnings beat, signaling improved unit economics and operating discipline.

While Affirm has yet to reach consistent GAAP profitability (current margin: -2.07%, forward P/E: 59.17), the clear trajectory of cost management, coupled with a targeted drive for full-year profitability by end-FY2025, lays the groundwork for future re-rating. Valuation on price/sales (TTM) stands at 5.54—modestly elevated but wholly warranted given Affirm’s scale, network effects, and rapid adoption curve.

Structurally, Affirm stands apart for its:

• Zero late-fees strategy, building user trust and brand differentiation in a competitive arena;
• Technology innovation, including merchant data analytics and streamlined consumer onboarding;
• Diversified partnerships, ranging from e-commerce titans to travel, sport, and lifestyle verticals;
• Robust user base: 22 million active borrowers, the largest BNPL platform in the US.

Moreover, the leadership team—helmed by Max Levchin, co-founder of PayPal—offers proven fintech acumen and a track record of steering companies through complex cycles.

Volume and Liquidity

With an average three-month daily trading volume near 8.81 million shares, Affirm displays strong liquidity and institutional presence. This sustained participation signals market confidence in the stock’s investability and underpins its ability to absorb size without exaggerated price swings, even during episodic volatility.

The current float supports dynamic valuation cycles, as rapid repricing is possible given both retail and professional interest, especially in the wake of fresh catalysts or earnings surprises.

Catalysts and Positive Outlook

Several tangible catalysts position Affirm for renewed upside into 2025:

• International Expansion: Launched partnerships in Canada and entered the UK market, anchoring its status as a global BNPL operator—a notable first for an American BNPL leader.
• Network Effect Ambition: Execution of a long-term vision to transform into the “American Express of BNPL,” extending services from point-of-sale financing to integrated payment and loyalty platforms.
• Next-Gen Product Innovations: Focused R&D on zero-interest offerings and embedded financial services directly within merchant platforms.
• Favourable Regulatory Evolution: While recent updates in the UK introduce new compliance requirements, they are expected to favour established, well-governed operators such as Affirm by raising barriers to entry.
• Robust Sector Trends: Macro indicators point to enduring shifts in consumer purchasing preferences, with flexibility and transparency central to Affirm’s growth narrative.

Encouragingly, consensus amongst 24+ Wall Street analysts now places the 12-month target at $67.82 (+30.3% upside from current levels), and 77% issue a buy/strong buy recommendation.

Investment Strategies

The current set-up offers differentiated approaches for investors across time horizons:

• Short-Term: Affirm tests multi-month lows near major support, making it potentially attractive for tactical rebound strategies. Entry in the $50–$52 range, with a first technical target at $55–$60, seems well-justified by recent momentum and supportive volume.
• Medium-Term: For investors seeking validation via catalysts, positioning ahead of Q4 earnings—especially if management reiterates profitability targets—or in anticipation of significant international expansion news, may capture outsized returns as sentiment recovers.
• Long-Term: Investors with a multi-year horizon are well-placed to capitalise on Affirm’s secular leadership in a high-growth, under-penetrated segment of digital finance. The business model’s network effects, strategic merchant alliances, and technology moats support a sustained growth premium even as the market matures.

A disciplined scaling-in approach—building exposure incrementally as Affirm proves profitability milestones—can offer risk-managed access to one of fintech’s most promising compounders.

Is It the Right Time to Buy Affirm?

Affirm epitomises the disruptive innovation and strong growth potential sought by sophisticated tech investors, while dynamic support at prevailing levels offers a compelling entry point. Its record-setting annual revenue run-rate, accelerating international reach, best-in-class user experience, and CEO leadership all point to a business with the blueprint—and operational momentum—for further outperformance.

Critically, reduced forward guidance and recent price consolidation have already reset expectations, paving the way for renewed investor interest as future quarters demonstrate execution on profitability and expansion. Affirm’s balance of sector leadership, deepening network effects, and expanding addressable market supports an optimistic projection for its share price trajectory.

For investors seeking exposure to digital consumer finance, Affirm stands out as a differentiated operator with fundamental strengths and a suite of imminent catalysts—the stock thus seems to represent an excellent opportunity to position ahead of a potential new bullish phase, warranting serious consideration for buy-oriented strategies at current levels.

In summary, as fintech innovation redefines the landscape of consumer credit globally, Affirm’s unique value proposition, robust demand drivers, and institutional support converge to make it one of the most attractive opportunities in the sector right now. For those pursuing growth and resilience in their equity portfolios, Affirm’s current technical set-up and long-term strategic strengths signal that the timing for a considered entry may rarely have been so propitious.

How to buy Affirm stock in IE?

Buying Affirm (AFRM) shares online is straightforward and secure when you use a regulated broker. Investors in Ireland have two simple options: buy Affirm shares directly (spot/cash buying), or trade them via CFDs (Contracts for Difference) to speculate on price movements with leverage. Each method has its own benefits and risks, making it important to understand the differences before you decide. To help you make an informed choice, you’ll find a broker comparison further down the page to review fees, platforms, and features side by side.

Spot buying

A cash purchase means you buy real Affirm shares, which you will own in your brokerage account. This direct method suits investors who want to hold shares for the medium or long term. With Irish brokers, the typical fee is a fixed commission per order, such as €5–€15, often charged in euro and converted from USD at current exchange rates.

Example with a $1,000 stake

If the Affirm share price is $52.05, you can buy approximately 19 shares with $1,000 (after a $5 brokerage fee).
✔️ Gain scenario:
If the share price rises by 10%, your 19 shares are now worth $1,100.
Result: +$100 gross gain, or +10% on your investment (before taxes and exchange fees).

Trading via CFD

CFD trading lets you speculate on the rise or fall of Affirm’s share price without owning the underlying shares. This approach is popular for its leverage: you can open larger positions with a smaller initial outlay. CFD brokers in Ireland usually charge a spread (the difference between buy/sell price) and overnight financing fees if you hold your position open for multiple days.

Example with a $1,000 stake and 5x leverage

You open a CFD position on Affirm shares with $1,000, giving you market exposure worth $5,000.
✔️ Gain scenario:
If the stock price rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain on your $1,000 deposit (excluding spread and financing costs).

Final advice

Comparing brokers’ fees, account conditions, and platform features is essential before you invest—costs and user experience can vary widely. Ultimately, your choice between buying shares outright or using CFDs depends on your investment goals, risk profile, and whether you want to own the asset or simply trade its price movements. For a detailed overview of the top brokers for Irish investors, see our expert comparator further down this page.

Our 7 tips for buying Affirm stock

The latest news about Affirm

Affirm Holdings shares have gained 10.18% over the last week, outpacing broader market benchmarks. This positive momentum follows a quarter in which Affirm beat analyst expectations on earnings per share, reporting $0.01 versus an anticipated loss of -$0.09, and indicated operational improvements. Despite a 13% drop immediately after the Q3 results due to cautious guidance for the next quarter, the stock has rebounded sharply, reflecting renewed optimism and suggesting that investors may be reassessing the company’s underlying growth prospects.

The analyst consensus remains strongly positive, with a $67.82 average price target implying over 30% upside from current levels. A substantial 77% of tracked analysts currently recommend buying Affirm, underpinned by its unique positioning as the largest U.S.-based BNPL provider and its ongoing transformation into a full-service payments network. The upward revision in sentiment, combined with Affirm’s recent revenue growth of 35.9% year-on-year, has increased its attractiveness to professional investors seeking disruptive fintech exposure.

Affirm’s expansion into the UK—Europe’s largest BNPL market and a key gateway for Irish retailers and customers—marks a major strategic milestone. Although Affirm has not announced specific Irish market entry plans, its active expansion strategy, particularly its partnerships in the UK, could have indirect repercussions for Ireland. Irish merchants and e-commerce platforms often serve UK consumers, and cross-border regulatory harmonization post-Brexit means innovations and compliance changes in the UK BNPL sector will closely influence both Irish user experience and merchant adoption decisions.

Recent regulatory developments in the UK BNPL sector are accelerating Affirm’s compliance investments and risk management, providing assurance ahead of possible similar European or Irish rules. Britain’s Financial Conduct Authority (FCA) has announced new oversight measures, with a focus on consumer protection and transparency. Affirm, already pursuing international best practices on fee transparency and customer protections, is positioned to adapt swiftly if similar rules are adopted in Ireland or the EU. For Irish institutional investors, this de-risks part of the regulatory environment and supports the investment case for global fintech players with proactive compliance strategies.

Affirm continues to forge high-profile merchant partnerships, fueling network effects and revenue potential for its BNPL platform both in North America and in developing international markets. The recent expansion of the partnership with Williams-Sonoma in Canada demonstrates Affirm’s approach to scaling through established retailers, with models that could be replicated in Europe and Ireland in the future. This network-driven expansion increases addressable markets and may be especially relevant to Irish businesses operating cross-border or seeking alternatives to traditional credit solutions for their customers.

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.