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AFRM (Affirm Holdings) Profitability Rank : 3 (As of Sep. 2024)


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What is Affirm Holdings Profitability Rank?

Affirm Holdings has the Profitability Rank of 3. It has had trouble to make a profit.

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is based on these factors:

1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank

Affirm Holdings's Operating Margin % for the quarter that ended in Sep. 2024 was -4.11%. As of today, Affirm Holdings's Piotroski F-Score is 5.


Competitive Comparison of Affirm Holdings's Profitability Rank

For the Software - Infrastructure subindustry, Affirm Holdings's Profitability Rank, along with its competitors' market caps and Profitability Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Affirm Holdings's Profitability Rank Distribution in the Software Industry

For the Software industry and Technology sector, Affirm Holdings's Profitability Rank distribution charts can be found below:

* The bar in red indicates where Affirm Holdings's Profitability Rank falls into.



Affirm Holdings Profitability Rank Calculation

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Affirm Holdings has the Profitability Rank of 3. It has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.

Profitability Rank is based on these factors:

1. Operating Margin %

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

Affirm Holdings's Operating Margin % for the quarter that ended in Sep. 2024 is calculated as:

Operating Margin %=Operating Income (Q: Sep. 2024 ) / Revenue (Q: Sep. 2024 )
=-28.733 / 698.479
=-4.11 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

2. Piotroski F-Score

The zones of discrimination were as such:

Good or high score = 8 or 9
Bad or low score = 0 or 1

Affirm Holdings has an F-score of 5 indicating the company's financial situation is typical for a stable company.

3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.

Good Sign:

Affirm Holdings Inc operating margin is expanding. Margin expansion is usually a good sign.

4. Consistency of the profitability

5. Predictability Rank


Affirm Holdings Profitability Rank Related Terms

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Affirm Holdings Business Description

Traded in Other Exchanges
Address
650 California Street, San Francisco, CA, USA, 94108
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.
Executives
Libor Michalek officer: President, Technology C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108
Katherine Adkins officer: Chief Legal Officer C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108
Noel Bertram Watson director 400 1ST AVENUE, C/O TRIPADVISOR, INC., NEEDHAM MA 02494
Christa S Quarles director 351 PHELPS, IRVING TX 75038
Keith Rabois director C/O YELP! INC., 706 MISSION ST., SAN FRANCISCO CA 94103
Michael Linford officer: Chief Financial Officer 3000 HANOVER STREET, PALO ALTO CA 94304
Gic Private Ltd 10 percent owner 168 ROBINSON ROAD, #37-01 CAPITAL TOWER, SINGAPORE U0 068912
Rodriquez Manuel Sanchez director C/O FANNIE MAE, 1100 15TH STREET, NW, WASHINGTON DC 20005
Jenny J Ming director
Jacqueline D Reses director C/O SQUARE, INC., 1455 MARKET STREET #600, SAN FRANCISCO CA 94103
James D White director C/O CAVA GROUP, INC., 202-400-2920 14 RIDGE SQUARE NW, SUITE 5, WASHINGTON DC 20016
Jeremy Philips director C/O TRIPADVISOR, INC., 141 NEEDHAM STREET, NEWTON MA 02464
Jeremy Liew director 2200 SAND HILL ROAD, MENLO PARK CA 94025
Siphelele Jiyane officer: Vice President, Controller C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108
Silvija Martincevic officer: Chief Commercial Officer C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108