Affirm Holdings Statistics
Total Valuation
Affirm Holdings has a market cap or net worth of $29.24 billion. The enterprise value is $35.73 billion.
| Market Cap | 29.24B |
| Enterprise Value | 35.73B |
Important Dates
The next estimated earnings date is Thursday, November 6, 2025, after market close.
| Earnings Date | Nov 6, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Affirm Holdings has 325.65 million shares outstanding. The number of shares has increased by 10.06% in one year.
| Current Share Class | 284.92M |
| Shares Outstanding | 325.65M |
| Shares Change (YoY) | +10.06% |
| Shares Change (QoQ) | -0.48% |
| Owned by Insiders (%) | 6.10% |
| Owned by Institutions (%) | 71.62% |
| Float | 271.56M |
Valuation Ratios
The trailing PE ratio is 587.94 and the forward PE ratio is 36.49. Affirm Holdings's PEG ratio is 18.33.
| PE Ratio | 587.94 |
| Forward PE | 36.49 |
| PS Ratio | 9.05 |
| Forward PS | 7.34 |
| PB Ratio | 9.67 |
| P/TBV Ratio | 11.61 |
| P/FCF Ratio | 48.65 |
| P/OCF Ratio | 36.87 |
| PEG Ratio | 18.33 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 193.14, with an EV/FCF ratio of 59.38.
| EV / Earnings | 684.72 |
| EV / Sales | 11.08 |
| EV / EBITDA | 193.14 |
| EV / EBIT | n/a |
| EV / FCF | 59.38 |
Financial Position
The company has a current ratio of 11.52, with a Debt / Equity ratio of 2.56.
| Current Ratio | 11.52 |
| Quick Ratio | 9.14 |
| Debt / Equity | 2.56 |
| Debt / EBITDA | 40.66 |
| Debt / FCF | 13.05 |
| Interest Coverage | -12.24 |
Financial Efficiency
Return on equity (ROE) is 1.80% and return on invested capital (ROIC) is -0.54%.
| Return on Equity (ROE) | 1.80% |
| Return on Assets (ROA) | -0.53% |
| Return on Invested Capital (ROIC) | -0.54% |
| Return on Capital Employed (ROCE) | -0.80% |
| Revenue Per Employee | $1.46M |
| Profits Per Employee | $23,656 |
| Employee Count | 2,206 |
| Asset Turnover | 0.31 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Affirm Holdings has paid $9.28 million in taxes.
| Income Tax | 9.28M |
| Effective Tax Rate | 15.10% |
Stock Price Statistics
The stock price has increased by +103.91% in the last 52 weeks. The beta is 3.65, so Affirm Holdings's price volatility has been higher than the market average.
| Beta (5Y) | 3.65 |
| 52-Week Price Change | +103.91% |
| 50-Day Moving Average | 76.15 |
| 200-Day Moving Average | 62.39 |
| Relative Strength Index (RSI) | 61.05 |
| Average Volume (20 Days) | 10,542,289 |
Short Selling Information
The latest short interest is 17.33 million, so 5.32% of the outstanding shares have been sold short.
| Short Interest | 17.33M |
| Short Previous Month | 18.12M |
| Short % of Shares Out | 5.32% |
| Short % of Float | 6.38% |
| Short Ratio (days to cover) | 2.13 |
Income Statement
In the last 12 months, Affirm Holdings had revenue of $3.22 billion and earned $52.19 million in profits. Earnings per share was $0.15.
| Revenue | 3.22B |
| Gross Profit | 1.48B |
| Operating Income | -87.46M |
| Pretax Income | 61.47M |
| Net Income | 52.19M |
| EBITDA | 185.01M |
| EBIT | -87.46M |
| Earnings Per Share (EPS) | $0.15 |
Balance Sheet
The company has $1.39 billion in cash and $7.85 billion in debt, giving a net cash position of -$6.46 billion or -$19.84 per share.
| Cash & Cash Equivalents | 1.39B |
| Total Debt | 7.85B |
| Net Cash | -6.46B |
| Net Cash Per Share | -$19.84 |
| Equity (Book Value) | 3.07B |
| Book Value Per Share | 9.35 |
| Working Capital | 2.10B |
Cash Flow
In the last 12 months, operating cash flow was $793.91 million and capital expenditures -$192.19 million, giving a free cash flow of $601.72 million.
| Operating Cash Flow | 793.91M |
| Capital Expenditures | -192.19M |
| Free Cash Flow | 601.72M |
| FCF Per Share | $1.85 |
Margins
Gross margin is 45.97%, with operating and profit margins of -2.71% and 1.62%.
| Gross Margin | 45.97% |
| Operating Margin | -2.71% |
| Pretax Margin | 1.91% |
| Profit Margin | 1.62% |
| EBITDA Margin | 5.74% |
| EBIT Margin | -2.71% |
| FCF Margin | 18.66% |
Dividends & Yields
Affirm Holdings does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -10.06% |
| Shareholder Yield | -10.06% |
| Earnings Yield | 0.18% |
| FCF Yield | 2.06% |
Analyst Forecast
The average price target for Affirm Holdings is $80.91, which is -9.90% lower than the current price. The consensus rating is "Buy".
| Price Target | $80.91 |
| Price Target Difference | -9.90% |
| Analyst Consensus | Buy |
| Analyst Count | 26 |
| Revenue Growth Forecast (5Y) | 19.06% |
| EPS Growth Forecast (5Y) | 94.91% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
Affirm Holdings has an Altman Z-Score of 1.27 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.27 |
| Piotroski F-Score | 5 |