Business Description
Affirm Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : US00827B1061
Share Class Description:
STU:78P: Ordinary Shares - Class ATotal Employee Number:
2,206Compare
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Traded in other countries / regions
AFRM.USAAFRM.Mexico1AFRM.Italy IPO Date
2021-01-14Description
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 | 3.08 | |||||
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 | 142.82 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 26.25 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History |
|---|
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 % | -4.85 |
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 | |||||
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 | 76.89 | |||||
PE Ratio without NRI | 76.89 | |||||
Price-to-Owner-Earnings | 56.01 | |||||
PS Ratio | 7.64 | |||||
PB Ratio | 7.49 | |||||
Price-to-Tangible-Book | 8.78 | |||||
Price-to-Free-Cash-Flow | 37.59 | |||||
Price-to-Operating-Cash-Flow | 29.48 | |||||
EV-to-EBIT | 41.76 | |||||
EV-to-EBITDA | 31.29 | |||||
EV-to-Revenue | 8.8 | |||||
EV-to-FCF | 44.4 | |||||
Price-to-Projected-FCF | 5.41 | |||||
| Price-to-Net-Current-Asset-Value | 12.46 | |||||
Earnings Yield (Greenblatt) % | 2.39 | |||||
FCF Yield % | 2.78 |
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
DetailsGF Valueâ„¢
Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | |||
| EPS (TTM) ($) | - | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | - | ||
| 14-Day RSI | - | ||
| 14-Day ATR ($) | - | ||
| 20-Day SMA ($) | - | ||
| 12-1 Month Momentum % | - | ||
| 52-Week Range ($) | 0 - 0 | ||
| Shares Outstanding (Mil) | 257.41 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Affirm Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Affirm Holdings Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| General meeting for 2026 | 2026-12-15 09:00 | In 166 days | ||
| First quarter earnings conference call for 2027 | 2026-11-06 14:00 | In 127 days | ||
| First quarter earnings results for 2027 | 2026-11-06 | In 126 days | ||
| Fourth quarter earnings conference call for 2026 | 2026-08-28 17:00 | In 57 days | ||
| Annual report for 2026 | 2026-08-28 | In 56 days | ||
| Fourth quarter earnings results for 2026 | 2026-08-28 | In 56 days | ||
| William Blair Growth Stock Conference | 2026-06-04 09:20 | -- | ||
| Evercore TMT Global Conference | 2026-06-03 10:50 | -- | ||
| Investor Forum | 2026-05-12 14:00 | -- | ||
| Third quarter earnings conference call for 2026 | 2026-05-07 14:00 | -- |
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Affirm Holdings Inc Frequently Asked Questions
What is Affirm Holdings Inc(STU:78P)'s stock price today?
The current price of STU:78P is $0.00. The 52 week high of STU:78P is $0.00 and 52 week low is $0.00.
When is next earnings date of Affirm Holdings Inc(STU:78P)?
The next earnings date of Affirm Holdings Inc(STU:78P) is .
Does Affirm Holdings Inc(STU:78P) pay dividends? If so, how much?
Affirm Holdings Inc(STU:78P) does not pay dividend.
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