Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
71.23
+2.04 (2.95%)
At close: Jul 7, 2025, 4:00 PM
71.60
+0.37 (0.52%)
After-hours: Jul 7, 2025, 7:59 PM EDT

Affirm Holdings Statistics

Total Valuation

Affirm Holdings has a market cap or net worth of $22.98 billion. The enterprise value is $28.98 billion.

Market Cap 22.98B
Enterprise Value 28.98B

Important Dates

The next estimated earnings date is Wednesday, August 27, 2025, after market close.

Earnings Date Aug 27, 2025
Ex-Dividend Date n/a

Share Statistics

Affirm Holdings has 322.60 million shares outstanding. The number of shares has increased by 4.60% in one year.

Current Share Class 281.83M
Shares Outstanding 322.60M
Shares Change (YoY) +4.60%
Shares Change (QoQ) -0.28%
Owned by Insiders (%) 6.19%
Owned by Institutions (%) 69.96%
Float 268.34M

Valuation Ratios

PE Ratio n/a
Forward PE 38.34
PS Ratio 7.58
Forward PS 6.10
PB Ratio 7.99
P/TBV Ratio 9.82
P/FCF Ratio 37.75
P/OCF Ratio 29.16
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 456.98, with an EV/FCF ratio of 47.60.

EV / Earnings n/a
EV / Sales 9.64
EV / EBITDA 456.98
EV / EBIT n/a
EV / FCF 47.60

Financial Position

The company has a current ratio of 13.47, with a Debt / Equity ratio of 2.56.

Current Ratio 13.47
Quick Ratio 10.44
Debt / Equity 2.56
Debt / EBITDA 105.02
Debt / FCF 12.09
Interest Coverage -41.35

Financial Efficiency

Return on equity (ROE) is -2.26% and return on invested capital (ROIC) is -1.40%.

Return on Equity (ROE) -2.26%
Return on Assets (ROA) -1.38%
Return on Invested Capital (ROIC) -1.40%
Return on Capital Employed (ROCE) -2.11%
Revenue Per Employee $1.50M
Profits Per Employee -$31,004
Employee Count 2,006
Asset Turnover 0.31
Inventory Turnover n/a

Taxes

In the past 12 months, Affirm Holdings has paid $7.94 million in taxes.

Income Tax 7.94M
Effective Tax Rate n/a

Stock Price Statistics

The stock price has increased by +149.49% in the last 52 weeks. The beta is 3.64, so Affirm Holdings's price volatility has been higher than the market average.

Beta (5Y) 3.64
52-Week Price Change +149.49%
50-Day Moving Average 56.54
200-Day Moving Average 55.19
Relative Strength Index (RSI) 72.75
Average Volume (20 Days) 5,901,046

Short Selling Information

The latest short interest is 15.52 million, so 4.81% of the outstanding shares have been sold short.

Short Interest 15.52M
Short Previous Month 15.78M
Short % of Shares Out 4.81%
Short % of Float 5.78%
Short Ratio (days to cover) 2.32

Income Statement

In the last 12 months, Affirm Holdings had revenue of $3.01 billion and -$62.19 million in losses. Loss per share was -$0.19.

Revenue 3.01B
Gross Profit 1.37B
Operating Income -216.59M
Pretax Income n/a
Net Income -62.19M
EBITDA 63.41M
EBIT -216.59M
Loss Per Share -$0.19
Full Income Statement

Balance Sheet

The company has $1.36 billion in cash and $7.36 billion in debt, giving a net cash position of -$6.00 billion or -$18.59 per share.

Cash & Cash Equivalents 1.36B
Total Debt 7.36B
Net Cash -6.00B
Net Cash Per Share -$18.59
Equity (Book Value) 2.87B
Book Value Per Share 8.91
Working Capital 1.90B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $788.04 million and capital expenditures -$179.33 million, giving a free cash flow of $608.71 million.

Operating Cash Flow 788.04M
Capital Expenditures -179.33M
Free Cash Flow 608.71M
FCF Per Share $1.89
Full Cash Flow Statement

Margins

Gross margin is 45.44%, with operating and profit margins of -7.20% and -2.07%.

Gross Margin 45.44%
Operating Margin -7.20%
Pretax Margin -1.80%
Profit Margin -2.07%
EBITDA Margin 2.11%
EBIT Margin -7.20%
FCF Margin 20.24%

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 -4.60%
Shareholder Yield -4.60%
Earnings Yield -0.27%
FCF Yield 2.65%
Dividend Details

Analyst Forecast

The average price target for Affirm Holdings is $65.89, which is -7.50% lower than the current price. The consensus rating is "Buy".

Price Target $65.89
Price Target Difference -7.50%
Analyst Consensus Buy
Analyst Count 22
Revenue Growth Forecast (5Y) 22.14%
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 n/a
Graham Upside n/a

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 1.13 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 1.13
Piotroski F-Score 4