Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
68.90
-0.57 (-0.82%)
At close: Jul 18, 2025, 4:00 PM
68.85
-0.05 (-0.07%)
After-hours: Jul 18, 2025, 6:28 PM EDT

Affirm Holdings Statistics

Total Valuation

Affirm Holdings has a market cap or net worth of $22.23 billion. The enterprise value is $28.23 billion.

Market Cap22.23B
Enterprise Value 28.23B

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 (%) 70.16%
Float 268.36M

Valuation Ratios

PE Ratio n/a
Forward PE 33.00
PS Ratio 7.33
Forward PS 5.92
PB Ratio 7.73
P/TBV Ratio 9.50
P/FCF Ratio 36.52
P/OCF Ratio 28.21
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 445.13, with an EV/FCF ratio of 46.37.

EV / Earnings n/a
EV / Sales 9.39
EV / EBITDA 445.13
EV / EBIT n/a
EV / FCF 46.37

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 Count2,006
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 +113.51% 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 +113.51%
50-Day Moving Average 59.62
200-Day Moving Average 56.25
Relative Strength Index (RSI) 59.91
Average Volume (20 Days) 5,650,975

Short Selling Information

The latest short interest is 14.34 million, so 4.45% of the outstanding shares have been sold short.

Short Interest 14.34M
Short Previous Month 15.52M
Short % of Shares Out 4.45%
Short % of Float 5.34%
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.

Revenue3.01B
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 -0.28%
FCF Yield 2.74%
Dividend Details

Analyst Forecast

The average price target for Affirm Holdings is $67.00, which is -2.76% lower than the current price. The consensus rating is "Buy".

Price Target $67.00
Price Target Difference -2.76%
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