Business Description
Affirm Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : US00827B1061
Share Class Description:
MIL:1AFRM: Ordinary Shares - Class ATotal Employee Number:
2,206Compare
Compare
Traded in other countries / regions
AFRM.USAAFRM.Mexico1AFRM.Italy IPO Date
2025-11-24Description
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 | 0.27 | |||||
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 | 2.8 | |||||
Beneish M-Score | -2.48 | |||||
WACC vs ROIC | ||||||
Growth Rank
9/10
| 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 | 145.44 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 26.89 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 1.55 | |||||
9-Day RSI | 11.03 | |||||
14-Day RSI | 23.72 | |||||
3-1 Month Momentum % | 27.29 | |||||
6-1 Month Momentum % | 19.62 |
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 % | -5.74 |
Profitability Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 67.72 | |||||
Operating Margin % | 19.37 | |||||
Net Margin % | 9.63 | |||||
EBITDA Margin % | 28.12 | |||||
FCF Margin % | 19.79 | |||||
OCF Margin % | 25.39 | |||||
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
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 65 | |||||
Forward PE Ratio | 39.94 | |||||
PE Ratio without NRI | 65 | |||||
Price-to-Owner-Earnings | 47.35 | |||||
PS Ratio | 6.46 | |||||
PB Ratio | 6.33 | |||||
Price-to-Tangible-Book | 7.42 | |||||
Price-to-Free-Cash-Flow | 31.78 | |||||
Price-to-Operating-Cash-Flow | 24.92 | |||||
EV-to-EBIT | 36.52 | |||||
EV-to-Forward-EBIT | 42.2 | |||||
EV-to-EBITDA | 27.36 | |||||
EV-to-Forward-EBITDA | 29.18 | |||||
EV-to-Revenue | 7.69 | |||||
EV-to-Forward-Revenue | 5.97 | |||||
EV-to-FCF | 38.83 | |||||
Price-to-GF-Value | 0.99 | |||||
Price-to-Projected-FCF | 4.58 | |||||
Price-to-Graham-Number | 4.63 | |||||
| Price-to-Net-Current-Asset-Value | 10.54 | |||||
Earnings Yield (Greenblatt) % | 2.74 | |||||
FCF Yield % | 3.29 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Affirm Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 3,412.648 | ||
| EPS (TTM) (€) | 0.944 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | - | ||
| 14-Day RSI | 23.72 | ||
| 14-Day ATR (€) | 0.885736 | ||
| 20-Day SMA (€) | 70.9985 | ||
| 12-1 Month Momentum % | - | ||
| 52-Week Range (€) | 37.245 - 77.25 | ||
| 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 136 days | ||
| First quarter earnings conference call for 2027 | 2026-11-06 14:00 | In 97 days | ||
| First quarter earnings results for 2027 | 2026-11-06 | In 96 days | ||
| Fourth quarter earnings conference call for 2026 | 2026-08-28 17:00 | In 27 days | ||
| Annual report for 2026 | 2026-08-28 | In 26 days | ||
| Fourth quarter earnings results for 2026 | 2026-08-28 | In 26 days | ||
| William Blair Growth Stock Conference | 2026-06-04 09:20 | 57.28 (+0.00%) | ||
| Evercore TMT Global Conference | 2026-06-03 10:50 | 57.28 (+0.00%) | ||
| Investor Forum | 2026-05-12 14:00 | 56.40 (+0.00%) | ||
| Third quarter earnings conference call for 2026 | 2026-05-07 14:00 | 55.33 (+0.00%) |
Show
Entries
Affirm Holdings Inc Frequently Asked Questions
What is Affirm Holdings Inc(MIL:1AFRM)'s stock price today?
The current price of MIL:1AFRM is €62.59. The 52 week high of MIL:1AFRM is €77.25 and 52 week low is €37.24.
When is next earnings date of Affirm Holdings Inc(MIL:1AFRM)?
The next earnings date of Affirm Holdings Inc(MIL:1AFRM) is 2026-08-28 Est..
Does Affirm Holdings Inc(MIL:1AFRM) pay dividends? If so, how much?
Affirm Holdings Inc(MIL:1AFRM) does not pay dividend.
Press Release
Articles on Affirm Holdings Inc
No articles.
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers