(AFRM) Affirm Holdings - Ratings and Ratios
Payment Solutions, Consumer Finance, Commerce Platform, Merchant Services
AFRM EPS (Earnings per Share)
AFRM Revenue
Description: AFRM Affirm Holdings
Affirm Holdings, Inc. (NASDAQ:AFRM) is a fintech company operating a payment network across the US, Canada, and internationally, providing a point-of-sale payment solution and commerce platform that enables consumers to pay for purchases over time. The companys platform is integrated with various merchants across multiple industries, including e-commerce, brick-and-mortar stores, and omni-channel retailers.
Key performance indicators (KPIs) to evaluate AFRMs success include revenue growth, merchant adoption rates, and consumer engagement metrics such as transaction volume and average order value. As a fintech company, AFRMs ability to innovate and expand its payment solutions, as well as its partnerships with originating banks and capital markets, are crucial to its growth. The companys focus on providing transparent and flexible payment options has resonated with consumers, driving adoption and loyalty.
From a financial perspective, AFRMs market capitalization stands at approximately $21.8 billion, with a forward P/E ratio of 84.75, indicating high growth expectations. The companys return on equity (RoE) is currently negative, which is not uncommon for growth-stage fintech companies investing heavily in expansion. To assess AFRMs viability, investors should monitor its revenue growth, gross margin expansion, and operating expense management, as these will be critical in determining the companys path to profitability.
To further evaluate AFRMs stock, its essential to analyze its competitive positioning within the fintech industry, particularly in the buy now, pay later (BNPL) space, where it competes with other prominent players. The companys ability to maintain its market share, expand its merchant network, and innovate its payment solutions will be vital in driving long-term growth and shareholder value.
AFRM Stock Overview
| Market Cap in USD | 27,055m |
| Sub-Industry | Data Processing & Outsourced Services |
| IPO / Inception | 2021-01-13 |
AFRM Stock Ratings
| Growth Rating | 63.2% |
| Fundamental | 57.5% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 73.3% |
| Analyst Rating | 4.17 of 5 |
AFRM Dividends
Currently no dividends paidAFRM Growth Ratios
| Growth Correlation 3m | 87.9% |
| Growth Correlation 12m | 52.8% |
| Growth Correlation 5y | -13.3% |
| CAGR 5y | 62.56% |
| CAGR/Max DD 3y | 1.06 |
| CAGR/Mean DD 3y | 2.42 |
| Sharpe Ratio 12m | 1.09 |
| Alpha | 0.14 |
| Beta | 0.621 |
| Volatility | 82.42% |
| Current Volume | 6574.9k |
| Average Volume 20d | 7449.2k |
| Stop Loss | 84.5 (-6.5%) |
| Signal | 0.79 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (52.2m TTM) > 0 and > 6% of Revenue (6% = 193.5m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 2.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 297.1% (prev 348.0%; Δ -50.96pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 793.9m > Net Income 52.2m (YES >=105%, WARN >=100%) |
| Net Debt (6.50b) to EBITDA (587.5m) ratio: 11.06 <= 3.0 (WARN <= 3.5) |
| Current Ratio 54.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (342.6m) change vs 12m ago 8.58% (target <= -2.0% for YES) |
| Gross Margin 67.51% (prev 74.34%; Δ -6.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 31.19% (prev 24.40%; Δ 6.79pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.85 (EBITDA TTM 587.5m / Interest Expense TTM 425.4m) >= 6 (WARN >= 3) |
Altman Z'' 4.58
| (A) 0.86 = (Total Current Assets 9.76b - Total Current Liabilities 180.1m) / Total Assets 11.15b |
| (B) -0.27 = Retained Earnings (Balance) -3.06b / Total Assets 11.15b |
| (C) 0.04 = EBIT TTM 362.5m / Avg Total Assets 10.34b |
| (D) -0.38 = Book Value of Equity -3.07b / Total Liabilities 8.09b |
| Total Rating: 4.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 57.50
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 1.83% = 0.92 |
| 3. FCF Margin 18.66% = 4.67 |
| 4. Debt/Equity 2.61 = -0.18 |
| 5. Debt/Ebitda 13.65 = -2.50 |
| 6. ROIC - WACC (= -3.67)% = -4.59 |
| 7. RoE 1.80% = 0.15 |
| 8. Rev. Trend 98.12% = 7.36 |
| 9. EPS Trend 93.57% = 4.68 |
What is the price of AFRM shares?
Over the past week, the price has changed by +6.52%, over one month by +15.54%, over three months by +50.92% and over the past year by +105.45%.
Is Affirm Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AFRM is around 81.67 USD . This means that AFRM is currently overvalued and has a potential downside of -9.66%.
Is AFRM a buy, sell or hold?
- Strong Buy: 11
- Buy: 6
- Hold: 7
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AFRM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 95 | 5.1% |
| Analysts Target Price | 95 | 5.1% |
| ValueRay Target Price | 89.5 | -1% |
Last update: 2025-09-16 05:00
AFRM Fundamental Data Overview
CCE Cash And Equivalents = 2.23b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 553.8666
P/E Forward = 111.1111
P/S = 8.3907
P/B = 8.8156
P/EG = 55.5348
Beta = 3.647
Revenue TTM = 3.22b USD
EBIT TTM = 362.5m USD
EBITDA TTM = 587.5m USD
Long Term Debt = 7.82b USD (from longTermDebt, last quarter)
Short Term Debt = 199.8m USD (from shortTermDebt, last quarter)
Debt = 8.02b USD (Calculated: Short Term 199.8m + Long Term 7.82b)
Net Debt = 6.50b USD (from netDebt column, last quarter)
Enterprise Value = 32.85b USD (27.06b + Debt 8.02b - CCE 2.23b)
Interest Coverage Ratio = 0.85 (Ebit TTM 362.5m / Interest Expense TTM 425.4m)
FCF Yield = 1.83% (FCF TTM 601.7m / Enterprise Value 32.85b)
FCF Margin = 18.66% (FCF TTM 601.7m / Revenue TTM 3.22b)
Net Margin = 1.62% (Net Income TTM 52.2m / Revenue TTM 3.22b)
Gross Margin = 67.51% ((Revenue TTM 3.22b - Cost of Revenue TTM 1.05b) / Revenue TTM)
Tobins Q-Ratio = -10.69 (set to none) (Enterprise Value 32.85b / Book Value Of Equity -3.07b)
Interest Expense / Debt = 1.32% (Interest Expense 105.9m / Debt 8.02b)
Taxrate = 15.10% (9.28m / 61.5m)
NOPAT = 307.7m (EBIT 362.5m * (1 - 15.10%))
Current Ratio = 54.19 (Total Current Assets 9.76b / Total Current Liabilities 180.1m)
Debt / Equity = 2.61 (Debt 8.02b / last Quarter total Stockholder Equity 3.07b)
Debt / EBITDA = 13.65 (Net Debt 6.50b / EBITDA 587.5m)
Debt / FCF = 13.33 (Debt 8.02b / FCF TTM 601.7m)
Total Stockholder Equity = 2.89b (last 4 quarters mean)
RoA = 0.47% (Net Income 52.2m, Total Assets 11.15b )
RoE = 1.80% (Net Income TTM 52.2m / Total Stockholder Equity 2.89b)
RoCE = 3.38% (Ebit 362.5m / (Equity 2.89b + L.T.Debt 7.82b))
RoIC = 2.98% (NOPAT 307.7m / Invested Capital 10.31b)
WACC = 6.66% (E(27.06b)/V(35.08b) * Re(8.30%)) + (D(8.02b)/V(35.08b) * Rd(1.32%) * (1-Tc(0.15)))
Shares Correlation 3-Years: 90.91 | Cagr: 1.50%
Discount Rate = 8.30% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 69.32% ; FCFE base≈477.4m ; Y1≈313.4m ; Y5≈143.3m
Fair Price DCF = 9.47 (DCF Value 2.70b / Shares Outstanding 284.9m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 93.57 | EPS CAGR: 88.63% | SUE: 2.65 | # QB: 1
Revenue Correlation: 98.12 | Revenue CAGR: 37.98% | SUE: N/A | # QB: None
Additional Sources for AFRM Stock
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Fund Manager Positions: Dataroma | Stockcircle