Affirm Holdings Statistics
Total Valuation
Affirm Holdings has a market cap or net worth of $28.45 billion. The enterprise value is $34.91 billion.
| Market Cap | 28.45B |
| Enterprise Value | 34.91B |
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 (%) | 6.12% |
| Owned by Institutions (%) | 71.53% |
| Float | 271.47M |
Valuation Ratios
The trailing PE ratio is 545.08 and the forward PE ratio is 35.43. Affirm Holdings's PEG ratio is 17.71.
| PE Ratio | 545.08 |
| Forward PE | 35.43 |
| PS Ratio | 8.75 |
| Forward PS | 7.13 |
| PB Ratio | 9.34 |
| P/TBV Ratio | 11.28 |
| P/FCF Ratio | 47.27 |
| P/OCF Ratio | 35.83 |
| PEG Ratio | 17.71 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 188.67, with an EV/FCF ratio of 58.01.
| EV / Earnings | 668.87 |
| EV / Sales | 10.83 |
| EV / EBITDA | 188.67 |
| EV / EBIT | n/a |
| EV / FCF | 58.01 |
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 | $1.49M |
| Profits Per Employee | $24,038 |
| Employee Count | 2,171 |
| 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 +117.13% 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 | +117.13% |
| 50-Day Moving Average | 72.82 |
| 200-Day Moving Average | 61.38 |
| Relative Strength Index (RSI) | 62.90 |
| Average Volume (20 Days) | 9,760,069 |
Short Selling Information
The latest short interest is 18.12 million, so 5.56% of the outstanding shares have been sold short.
| Short Interest | 18.12M |
| Short Previous Month | 16.33M |
| Short % of Shares Out | 5.56% |
| Short % of Float | 6.67% |
| Short Ratio (days to cover) | 3.52 |
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 | 2.12% |
Analyst Forecast
The average price target for Affirm Holdings is $79.86, which is -8.57% lower than the current price. The consensus rating is "Buy".
| Price Target | $79.86 |
| Price Target Difference | -8.57% |
| 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 |