Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AFRM
HOLDAffirm Holdings, Inc. · Financial Services · United States · $23.5B · Avg Vol: $307M/d
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.6B | 2.3B | 3.2B | 33.7% | 4.0B | 4.2B | 5.3B | 27.9% |
| EPS | -2.51 | -3.34 | -1.67 | 0.16 | — | 1.09 | 0.28 | — | 76.6% |
| Shares | 287.4M | 296.8M | 311.1M | 325.1M | +13.1% | 294.4M | — | — | — |
| Debt | 4.1B | 5.5B | 6.6B | 7.9B | 23.8% | 9.1B | — | — | — |
| Equity | 2.6B | 2.5B | 2.7B | 3.1B | 5.4% | — | — | — | — |
| Op CF | -162.2M | 12.2M | 450.1M | 793.9M | 707.3% | 1.0B | — | — | — |
| Inv CF | -2.0B | -1.7B | -1.3B | -1.1B | — | — | — | — | — |
| Fin CF | 2.0B | 1.3B | 913.1M | 751.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AFRM are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AFRM | Affirm Holdings, Inc.(you) | $23.5B | 36 | HOLD |
| SYF | Synchrony Financial | $23.7B | 47 | HOLD |
| SOFI | SoFi Technologies, Inc. | $21.1B | 17 | STRONG SELL |
| ALLY | Ally Financial Inc. | $13.1B | 49 | HOLD |
| OMF | OneMain Holdings, Inc. | $6.9B | 44 | HOLD |
| 2PP.DE | PayPal Holdings, Inc. | $38.9B | 60 | HOLD |
| SLMBP | SLM Corporation | $4.9B | 34 | SELL |
| COF | Capital One Financial Corporation | $124.4B | 39 | HOLD |
| NNI | Nelnet, Inc. | $4.8B | 32 | SELL |
| FCFS | FirstCash Holdings, Inc. | $8.6B | 65 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%