Business Description
Affirm Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : US00827B1061
Share Class Description:
FRA:78P: Ordinary Shares - Class ATotal Employee Number:
2,206Compare
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Traded in other countries / regions
AFRM.USAAFRM.Mexico1AFRM.Italy78P.Germany IPO Date
2021-09-08Description
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
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.26 | |||||
Equity-to-Asset | 0.35 | |||||
Debt-to-Equity | 1.83 | |||||
Debt-to-EBITDA | 8.02 | |||||
Interest Coverage | 1.92 | |||||
Piotroski F-Score | 7/9 | |||||
Altman Z-Score | 2.72 | |||||
Beneish M-Score | -1.53 | |||||
WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 31.5 | |||||
3-Year Book Growth Rate | 24 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 25.86 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 55.07 | |||||
Quick Ratio | 55.07 | |||||
Cash Ratio | 11.22 | |||||
Days Sales Outstanding | 25.58 | |||||
Days Payable | 18.36 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -4.3 | |||||
Shareholder Yield % | -6.66 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 68.07 | |||||
Operating Margin % | 20.44 | |||||
Net Margin % | 45.29 | |||||
EBITDA Margin % | 29.34 | |||||
FCF Margin % | 23.3 | |||||
OCF Margin % | 28.89 | |||||
ROE % | 50.3 | |||||
ROA % | 14.95 | |||||
ROIC % | 8.41 | |||||
3-Year ROIIC % | 26.57 | |||||
ROC (Joel Greenblatt) % | 63.47 | |||||
ROCE % | 7.45 | |||||
Years of Profitability over Past 10-Year | 2 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 12.94 | |||||
Forward PE Ratio | 34.11 | |||||
PE Ratio without NRI | 12.94 | |||||
Price-to-Owner-Earnings | 11.37 | |||||
PS Ratio | 5.85 | |||||
PB Ratio | 4.39 | |||||
Price-to-Tangible-Book | 4.88 | |||||
Price-to-Free-Cash-Flow | 25.09 | |||||
Price-to-Operating-Cash-Flow | 20.24 | |||||
EV-to-EBIT | 33.3 | |||||
EV-to-Forward-EBIT | 37.35 | |||||
EV-to-EBITDA | 25.22 | |||||
EV-to-Forward-EBITDA | 27.78 | |||||
EV-to-Revenue | 7.4 | |||||
EV-to-Forward-Revenue | 5.76 | |||||
EV-to-FCF | 31.76 | |||||
Price-to-GF-Value | 0.91 | |||||
Price-to-Projected-FCF | 3.39 | |||||
Price-to-Graham-Number | 1.68 | |||||
| Price-to-Net-Current-Asset-Value | 9.77 | |||||
Earnings Yield (Greenblatt) % | 3 | |||||
FCF Yield % | 4.12 |
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
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Annualized Return % Â
Total Annual Return % Â
Affirm Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 3,664.848 | ||
| EPS (TTM) (€) | 4.781 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | 7.43 | ||
| 14-Day RSI | 40.13 | ||
| 14-Day ATR (€) | 2.20258 | ||
| 20-Day SMA (€) | 63.867 | ||
| 12-1 Month Momentum % | - | ||
| 52-Week Range (€) | 57.71 - 76.3 | ||
| Shares Outstanding (Mil) | 337.42 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| 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 (€) | ||
|---|---|---|---|---|
| Second quarter earnings conference call for 2027 | 2027-02-05 14:00 | In 147 days | ||
| Second quarter earnings results for 2027 | 2027-02-05 | In 146 days | ||
| General meeting for 2026 | 2026-12-15 09:00 | In 95 days | ||
| First quarter earnings conference call for 2027 | 2026-11-06 14:00 | In 56 days | ||
| First quarter earnings results for 2027 | 2026-11-06 | In 55 days | ||
| Goldman Sachs Communacopia + Technology Conference | 2026-09-08 15:05 | 61.82 (+0.00%) | ||
| Fourth quarter earnings conference call for 2026 | 2026-08-27 14:00 | 66.19 (+0.00%) | ||
| Annual report for 2026 | 2026-08-27 | 66.19 (+0.00%) | ||
| Fourth quarter earnings results for 2026 | 2026-08-27 | 66.19 (+0.00%) | ||
| William Blair Growth Stock Conference | 2026-06-04 09:20 | -- |
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Affirm Holdings Inc Frequently Asked Questions
What is Affirm Holdings Inc(FRA:78P)'s stock price today?
The current price of FRA:78P is €59.96. The 52 week high of FRA:78P is €76.30 and 52 week low is €57.71.
When is next earnings date of Affirm Holdings Inc(FRA:78P)?
The next earnings date of Affirm Holdings Inc(FRA:78P) is 2026-11-06 Est..
Does Affirm Holdings Inc(FRA:78P) pay dividends? If so, how much?
Affirm Holdings Inc(FRA:78P) does not pay dividend.
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