Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks, and through virtual card networks among others. Geographically, it generates a majority share of its revenue from the United States.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.3
Equity-to-Asset	0.28
Debt-to-Equity	2.51
Debt-to-EBITDA	66.55
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.29	Distress Grey Safe
Beneish M-Score	-2.79	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	11.1
	3-Year EBITDA Growth Rate	85.6
	3-Year EPS without NRI Growth Rate	17.5
	3-Year Book Growth Rate	-2.8
	Future 3-5Y Total Revenue Growth Rate Estimate	23.97

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	81.12
	9-Day RSI	75.58
	14-Day RSI	71.37
	6-1 Month Momentum %	49.03
	12-1 Month Momentum %	109.9

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	64.66
	Quick Ratio	64.66
	Cash Ratio	15.58
	Days Sales Outstanding	43.32
	Days Payable	18.63

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-4.9
	Shareholder Yield %	-7.4

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	65.71
	Operating Margin %	-6.33
	Net Margin %	-17.67
	FCF Margin %	15.07
	ROE %	-16.66
	ROA %	-4.82
	ROIC %	-2.27
	3-Year ROIIC %	1.59
	ROC (Joel Greenblatt) %	-6.69
	ROCE %	-0.75

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	7.15
	PB Ratio	6.38
	Price-to-Tangible-Book	7.91
	Price-to-Free-Cash-Flow	47.62
	Price-to-Operating-Cash-Flow	32.98
	EV-to-EBIT	-336.34
	EV-to-Forward-EBIT	38.73
	EV-to-EBITDA	215.78
	EV-to-Forward-EBITDA	39.8
	EV-to-Revenue	9.14
	EV-to-Forward-Revenue	7.78
	EV-to-FCF	60.68
	Price-to-Net-Current-Asset-Value	12.09
	Earnings Yield (Greenblatt) %	-0.3
	FCF Yield %	2.1

Financials (Next Earnings Date:2025-02-07 Est.)

Annual Quarterly TTM

AFRM's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NAS:AFRM

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Affirm Holdings Inc Executives

Details

GF Value: $37.78

AFRM

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 5 Severe warning signs with AFRM. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	2,524.931
	EPS (TTM) ($)	-1.42
	Beta	3.82
	Volatility %	119.66
	14-Day RSI	71.37
	14-Day ATR ($)	3.515673
	20-Day SMA ($)	45.7815
	12-1 Month Momentum %	109.9
	52-Week Range ($)	22.25 - 57.93
	Shares Outstanding (Mil)	314.06

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	5
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Affirm Holdings Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Affirm Holdings Inc Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Affirm Holdings Inc Frequently Asked Questions

What is Affirm Holdings Inc(AFRM)'s stock price today?

The current price of AFRM is $57.56. The 52 week high of AFRM is $57.93 and 52 week low is $22.25.

When is next earnings date of Affirm Holdings Inc(AFRM)?

The next earnings date of Affirm Holdings Inc(AFRM) is 2025-02-07 Est..

Does Affirm Holdings Inc(AFRM) pay dividends? If so, how much?

Affirm Holdings Inc(AFRM) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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