Business Description
Affirm Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : US00827B1061
Share Class Description:
AFRM: Ordinary Shares - Class ATotal Employee Number:
2,206Compare
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Traded in other countries / regions
AFRM.USAAFRM.Mexico1AFRM.Italy Index Membership
Russell 1000Russell 3000MSCI World Index IPO Date
2021-01-13Description
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.27 | |||||
Equity-to-Asset | 0.29 | |||||
Debt-to-Equity | 2.4 | |||||
Debt-to-EBITDA | 8.14 | |||||
Interest Coverage | 1.74 | |||||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 3.06 | |||||
Beneish M-Score | -2.48 | |||||
WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 25.4 | |||||
3-Year Book Growth Rate | 1.2 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 143.42 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 26.66 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 59.21 | |||||
9-Day RSI | 62.91 | |||||
14-Day RSI | 62.9 | |||||
3-1 Month Momentum % | 29.43 | |||||
6-1 Month Momentum % | -23.22 | |||||
12-1 Month Momentum % | -8.37 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 56.71 | |||||
Quick Ratio | 56.71 | |||||
Cash Ratio | 12.1 | |||||
Days Sales Outstanding | 26.27 | |||||
Days Payable | 17.01 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -4.2 | |||||
Shareholder Yield % | -4.9 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 67.72 | |||||
Operating Margin % | 19.37 | |||||
Net Margin % | 9.63 | |||||
EBITDA Margin % | 28.12 | |||||
FCF Margin % | 19.81 | |||||
OCF Margin % | 25.42 | |||||
ROE % | 11.54 | |||||
ROA % | 3.23 | |||||
ROIC % | 7.92 | |||||
3-Year ROIIC % | 22.49 | |||||
ROC (Joel Greenblatt) % | 60.53 | |||||
ROCE % | 7.17 | |||||
Years of Profitability over Past 10-Year | 1 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 75.84 | |||||
Forward PE Ratio | 46.89 | |||||
PE Ratio without NRI | 75.84 | |||||
Price-to-Owner-Earnings | 55.27 | |||||
PS Ratio | 7.51 | |||||
PB Ratio | 7.38 | |||||
Price-to-Tangible-Book | 8.65 | |||||
Price-to-Free-Cash-Flow | 37.12 | |||||
Price-to-Operating-Cash-Flow | 29.07 | |||||
EV-to-EBIT | 41.29 | |||||
EV-to-Forward-EBIT | 47.88 | |||||
EV-to-EBITDA | 30.94 | |||||
EV-to-Forward-EBITDA | 33.11 | |||||
EV-to-Revenue | 8.7 | |||||
EV-to-Forward-Revenue | 6.77 | |||||
EV-to-FCF | 43.91 | |||||
Price-to-GF-Value | 1.17 | |||||
Price-to-Projected-FCF | 5.34 | |||||
Price-to-Graham-Number | 5.4 | |||||
| Price-to-Net-Current-Asset-Value | 12.29 | |||||
Earnings Yield (Greenblatt) % | 2.42 | |||||
FCF Yield % | 2.82 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
Log
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Annualized Return % Â
Total Annual Return % Â
Affirm Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 3,971.539 | ||
| EPS (TTM) ($) | 1.1 | ||
| Beta | 4.0937 | ||
| 3-Year Sharpe Ratio | 0.94 | ||
| 3-Year Sortino Ratio | 2.52 | ||
| Volatility % | 65.04 | ||
| 14-Day RSI | 62.9 | ||
| 14-Day ATR ($) | 4.067743 | ||
| 20-Day SMA ($) | 77.579 | ||
| 12-1 Month Momentum % | -8.37 | ||
| 52-Week Range ($) | 42.095 - 100 | ||
| Shares Outstanding (Mil) | 334.9 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Affirm Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Affirm Holdings Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| General meeting for 2026 | 2026-12-15 09:00 | In 158 days | ||
| First quarter earnings conference call for 2027 | 2026-11-06 14:00 | In 119 days | ||
| First quarter earnings results for 2027 | 2026-11-06 | In 118 days | ||
| Fourth quarter earnings conference call for 2026 | 2026-08-28 17:00 | In 49 days | ||
| Annual report for 2026 | 2026-08-28 | In 48 days | ||
| Fourth quarter earnings results for 2026 | 2026-08-28 | In 48 days | ||
| William Blair Growth Stock Conference | 2026-06-04 09:20 | 66.27 (-4.83%) | ||
| Evercore TMT Global Conference | 2026-06-03 10:50 | 71.01 (-0.38%) | ||
| Investor Forum | 2026-05-12 14:00 | 66.45 (+5.33%) | ||
| Third quarter earnings conference call for 2026 | 2026-05-07 14:00 | 65.58 (-3.26%) |
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Affirm Holdings Inc Frequently Asked Questions
What is Affirm Holdings Inc(AFRM)'s stock price today?
The current price of AFRM is $83.42. The 52 week high of AFRM is $100.00 and 52 week low is $42.10.
When is next earnings date of Affirm Holdings Inc(AFRM)?
The next earnings date of Affirm Holdings Inc(AFRM) is 2026-08-28 Est..
Does Affirm Holdings Inc(AFRM) pay dividends? If so, how much?
Affirm Holdings Inc(AFRM) does not pay dividend.
Guru Commentaries on NAS:AFRM
No articles.
Press Release
Articles on Affirm Holdings Inc
Headlines
See More- 1
Jun 25, 2026
Affirm cut to Equalweight at Morgan Stanley as stock catches up to valuation
Seeking Alpha • 12:57pm
- 1
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