Affirm Holdings Statistics
Total Valuation
Affirm Holdings has a market cap or net worth of $15.43 billion. The enterprise value is $23.04 billion.
| Market Cap | 15.43B |
| Enterprise Value | 23.04B |
Important Dates
The next estimated earnings date is Thursday, May 7, 2026, after market close.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Affirm Holdings has 333.11 million shares outstanding. The number of shares has increased by 12.04% in one year.
| Current Share Class | 292.41M |
| Shares Outstanding | 333.11M |
| Shares Change (YoY) | +12.04% |
| Shares Change (QoQ) | +0.31% |
| Owned by Insiders (%) | 9.11% |
| Owned by Institutions (%) | 74.61% |
| Float | 279.29M |
Valuation Ratios
The trailing PE ratio is 58.28 and the forward PE ratio is 12.54.
| PE Ratio | 58.28 |
| Forward PE | 12.54 |
| PS Ratio | 4.15 |
| Forward PS | 3.29 |
| PB Ratio | 4.34 |
| P/TBV Ratio | 5.14 |
| P/FCF Ratio | 24.92 |
| P/OCF Ratio | 18.51 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 43.72, with an EV/FCF ratio of 37.22.
| EV / Earnings | 81.62 |
| EV / Sales | 6.20 |
| EV / EBITDA | 43.72 |
| EV / EBIT | 99.77 |
| EV / FCF | 37.22 |
Financial Position
The company has a current ratio of 13.85, with a Debt / Equity ratio of 2.59.
| Current Ratio | 13.85 |
| Quick Ratio | 10.21 |
| Debt / Equity | 2.59 |
| Debt / EBITDA | 17.14 |
| Debt / FCF | 14.83 |
| Interest Coverage | 21.38 |
Financial Efficiency
Return on equity (ROE) is 8.92% and return on invested capital (ROIC) is 2.12%.
| Return on Equity (ROE) | 8.92% |
| Return on Assets (ROA) | 1.23% |
| Return on Invested Capital (ROIC) | 2.12% |
| Return on Capital Employed (ROCE) | 1.81% |
| Weighted Average Cost of Capital (WACC) | 15.23% |
| Revenue Per Employee | $1.68M |
| Profits Per Employee | $127,982 |
| Employee Count | 2,206 |
| Asset Turnover | 0.32 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Affirm Holdings has paid $10.86 million in taxes.
| Income Tax | 10.86M |
| Effective Tax Rate | 3.70% |
Stock Price Statistics
The stock price has increased by +1.76% in the last 52 weeks. The beta is 3.63, so Affirm Holdings's price volatility has been higher than the market average.
| Beta (5Y) | 3.63 |
| 52-Week Price Change | +1.76% |
| 50-Day Moving Average | 52.36 |
| 200-Day Moving Average | 68.37 |
| Relative Strength Index (RSI) | 45.73 |
| Average Volume (20 Days) | 5,300,227 |
Short Selling Information
The latest short interest is 16.31 million, so 4.90% of the outstanding shares have been sold short.
| Short Interest | 16.31M |
| Short Previous Month | 17.71M |
| Short % of Shares Out | 4.90% |
| Short % of Float | 5.84% |
| Short Ratio (days to cover) | 2.51 |
Income Statement
In the last 12 months, Affirm Holdings had revenue of $3.72 billion and earned $282.33 million in profits. Earnings per share was $0.79.
| Revenue | 3.72B |
| Gross Profit | 1.78B |
| Operating Income | 230.97M |
| Pretax Income | 293.18M |
| Net Income | 282.33M |
| EBITDA | 527.05M |
| EBIT | 230.97M |
| Earnings Per Share (EPS) | $0.79 |
Balance Sheet
The company has $1.56 billion in cash and $9.18 billion in debt, with a net cash position of -$7.62 billion or -$22.87 per share.
| Cash & Cash Equivalents | 1.56B |
| Total Debt | 9.18B |
| Net Cash | -7.62B |
| Net Cash Per Share | -$22.87 |
| Equity (Book Value) | 3.55B |
| Book Value Per Share | 10.68 |
| Working Capital | 2.31B |
Cash Flow
In the last 12 months, operating cash flow was $833.34 million and capital expenditures -$214.20 million, giving a free cash flow of $619.13 million.
| Operating Cash Flow | 833.34M |
| Capital Expenditures | -214.20M |
| Depreciation & Amortization | 296.08M |
| Net Borrowing | 1.69B |
| Free Cash Flow | 619.13M |
| FCF Per Share | $1.86 |
Margins
Gross margin is 47.78%, with operating and profit margins of 6.22% and 7.60%.
| Gross Margin | 47.78% |
| Operating Margin | 6.22% |
| Pretax Margin | 7.89% |
| Profit Margin | 7.60% |
| EBITDA Margin | 14.18% |
| EBIT Margin | 6.22% |
| FCF Margin | 16.66% |
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 | -12.04% |
| Shareholder Yield | -12.04% |
| Earnings Yield | 1.83% |
| FCF Yield | 4.01% |
Analyst Forecast
The average price target for Affirm Holdings is $85.08, which is 83.72% higher than the current price. The consensus rating is "Buy".
| Price Target | $85.08 |
| Price Target Difference | 83.72% |
| Analyst Consensus | Buy |
| Analyst Count | 26 |
| Revenue Growth Forecast (5Y) | 23.23% |
| EPS Growth Forecast (5Y) | 95.73% |
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 1.59 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.59 |
| Piotroski F-Score | 7 |