Affirm Holdings, Inc. (AFRM) — Stock Score Summary

Affirm Holdings, Inc. (AFRM) has a MoatMap StockRank of 28/100 based on Quality (61/100), Value (12/100), and Momentum (42/100) factor scores. The current signal is SELL. Affirm is a high-growth consumer finance play, but its business model carries significant credit risk and funding cost sensitivity, violating the Terry Smith quality compounder framework.

Affirm Holdings, Inc. is a financial technology company offering point-of-sale financing solutions that allow consumers to pay for purchases over time through transparent, interest-bearing or 0% APR installment loans. Its competitive moat is built on its data-driven underwriting model, seamless integration with thousands of merchants, and strong brand recognition among consumers seeking flexible payment options. Affirm is a leader in the Buy Now, Pay Later (BNPL) market, disrupting traditional credit offerings with its user-friendly platform.

Key Financial Metrics

Price$65.90
Market Cap$24.4B
P/E (TTM)62.45
P/E (Forward)18.19
Price/Book6.08
Return on Equity11.5%
Return on Invested Capital4.4%
Debt/Equity240.28
Gross Margin48.4%
Operating Margin8.5%
Revenue Growth32.6%
Free Cash Flow$301M

Affirm Holdings, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Affirm Holdings, Inc.’s (AFRM) StockRank?
MoatMap’s StockRank for Affirm Holdings, Inc. (AFRM) is 28/100, with a Sell signal. It is a composite of Quality (61), Value (12), and Momentum (42) factor ranks across MoatMap’s 19,000+ stock universe.
Does Affirm Holdings, Inc. have an economic moat?
Affirm Holdings, Inc. (AFRM) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Affirm Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Affirm Holdings, Inc. (AFRM) is Sell, based on a StockRank of 28/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Affirm Holdings, Inc. in?
Affirm Holdings, Inc. (AFRM) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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