Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AFRM.MX
HOLDAffirm Holdings, Inc. · Financial Services · United States · $26.8B · Avg Vol: $48K/d
41
StockRankGet insider-trade alerts
Q
58
V
23
M
54
P/E (TTM)
76.9x
ROE
11.5%
D/E
2.4x
Dividend %
—
COMPANY DESCRIPTION
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app.
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 | 27.8% |
| EPS | -2.51 | -3.34 | -1.67 | 0.16 | — | 1.10 | — | — | — |
| 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 | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+16.0%
SMA 50SMA 200
Close
$84.72
52W High
$104.86
From 52W High
0.8%
SCORE BREAKDOWN
Quality
58
ROIC
4.4%73.3
ROE
11.5%59.3
GP/Assets
17.2%82.7
Op. Margin
8.5%24.9
FCF/Assets
5.4%65.5
Piotroski
656.5
Int. Cover
1.1x15.8
D/E Ratio
2.40x14.1
Current Ratio
13.54x89.7
Value
23
P/E (TTM)
76.9x3.9
EV/EBITDA
45.6x4.6
P/FCF
44.5x12.8
P/B
0.4x92.5
P/S
7.1x19.3
Div Yield
—N/A
Momentum
54
52W High %
81%27.3
RS 6M
-1%54.7
SMA 50/200
1.04x57.2
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
3570%99.3
FUNDAMENTALS
Market Cap
$26.8B
P/E (Forward)
—
Gross Margin
48.4%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AFRM.MX are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AFRM.MX | Affirm Holdings, Inc.(you) | $26.8B | 41 | HOLD |
| SYF | Synchrony Financial | $26.5B | 42 | HOLD |
| 2PP.DE | PayPal Holdings, Inc. | $38.9B | 49 | HOLD |
| ALLY | Ally Financial Inc. | $14.5B | 46 | HOLD |
| SOFI | SoFi Technologies, Inc. | $22.9B | 20 | STRONG SELL |
| OMF | OneMain Holdings, Inc. | $7.0B | 40 | HOLD |
| SLM | SLM Corporation | $4.8B | 36 | HOLD |
| NNI | Nelnet, Inc. | $4.8B | 29 | SELL |
| AXP.MX | American Express Company | $232.3B | 35 | SELL |
| FCFS | FirstCash Holdings, Inc. | $9.3B | 70 | BUY |
Peer medians: ROE 10.1% · P/E 13.8x · Gross margin 0.0%