Affirm Holdings Statistics
Total Valuation
Affirm Holdings has a market cap or net worth of $24.03 billion. The enterprise value is $32.35 billion.
| Market Cap | 24.03B |
| Enterprise Value | 32.35B |
Important Dates
The next estimated earnings date is Thursday, November 5, 2026, after market close.
| Earnings Date | Nov 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Affirm Holdings has 337.42 million shares outstanding. The number of shares has increased by 2.29% in one year.
| Current Share Class | 296.88M |
| Shares Outstanding | 337.42M |
| Shares Change (YoY) | +2.29% |
| Shares Change (QoQ) | +0.47% |
| Owned by Insiders (%) | 8.96% |
| Owned by Institutions (%) | 80.97% |
| Float | 283.82M |
Valuation Ratios
The trailing PE ratio is 12.87 and the forward PE ratio is 35.86. Affirm Holdings's PEG ratio is 17.93.
| PE Ratio | 12.87 |
| Forward PE | 35.86 |
| PS Ratio | 5.64 |
| Forward PS | 4.39 |
| PB Ratio | 4.38 |
| P/TBV Ratio | 4.87 |
| P/FCF Ratio | 24.21 |
| P/OCF Ratio | 19.52 |
| PEG Ratio | 17.93 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 43.76, with an EV/FCF ratio of 32.59.
| EV / Earnings | 16.76 |
| EV / Sales | 7.59 |
| EV / EBITDA | 43.76 |
| EV / EBIT | 77.58 |
| EV / FCF | 32.59 |
Financial Position
The company has a current ratio of 11.98, with a Debt / Equity ratio of 1.83.
| Current Ratio | 11.98 |
| Quick Ratio | 8.36 |
| Debt / Equity | 1.83 |
| Debt / EBITDA | 13.40 |
| Debt / FCF | 10.10 |
| Interest Coverage | 38.71 |
Financial Efficiency
Return on equity (ROE) is 45.13% and return on invested capital (ROIC) is 3.35%.
| Return on Equity (ROE) | 45.13% |
| Return on Assets (ROA) | 1.93% |
| Return on Invested Capital (ROIC) | 3.35% |
| Return on Capital Employed (ROCE) | 2.68% |
| Weighted Average Cost of Capital (WACC) | 17.03% |
| Revenue Per Employee | $1.81M |
| Profits Per Employee | $818,402 |
| Employee Count | 2,358 |
| Asset Turnover | 0.32 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.44B |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -21.23% in the last 52 weeks. The beta is 3.61, so Affirm Holdings's price volatility has been higher than the market average.
| Beta (5Y) | 3.61 |
| 52-Week Price Change | -21.23% |
| 50-Day Moving Average | 74.94 |
| 200-Day Moving Average | 66.69 |
| Relative Strength Index (RSI) | 45.69 |
| Average Volume (20 Days) | 5,894,856 |
Short Selling Information
The latest short interest is 15.67 million, so 4.64% of the outstanding shares have been sold short.
| Short Interest | 15.67M |
| Short Previous Month | 14.46M |
| Short % of Shares Out | 4.64% |
| Short % of Float | 5.52% |
| Short Ratio (days to cover) | 3.37 |
Income Statement
In the last 12 months, Affirm Holdings had revenue of $4.26 billion and earned $1.93 billion in profits. Earnings per share was $5.53.
| Revenue | 4.26B |
| Gross Profit | 2.08B |
| Operating Income | 416.98M |
| Pretax Income | 492.73M |
| Net Income | 1.93B |
| EBITDA | 739.19M |
| EBIT | 416.98M |
| Earnings Per Share (EPS) | $5.53 |
Balance Sheet
The company has $1.70 billion in cash and $10.02 billion in debt, with a net cash position of -$8.32 billion or -$24.66 per share.
| Cash & Cash Equivalents | 1.70B |
| Total Debt | 10.02B |
| Net Cash | -8.32B |
| Net Cash Per Share | -$24.66 |
| Equity (Book Value) | 5.48B |
| Book Value Per Share | 16.26 |
| Working Capital | 2.61B |
Cash Flow
In the last 12 months, operating cash flow was $1.23 billion and capital expenditures -$238.35 million, giving a free cash flow of $992.63 million.
| Operating Cash Flow | 1.23B |
| Capital Expenditures | -238.35M |
| Depreciation & Amortization | 322.22M |
| Net Borrowing | 2.21B |
| Free Cash Flow | 992.63M |
| FCF Per Share | $2.94 |
Margins
Gross margin is 48.93%, with operating and profit margins of 9.79% and 45.29%.
| Gross Margin | 48.93% |
| Operating Margin | 9.79% |
| Pretax Margin | 11.56% |
| Profit Margin | 45.29% |
| EBITDA Margin | 17.35% |
| EBIT Margin | 9.79% |
| FCF Margin | 23.30% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | -2.29% |
| Shareholder Yield | -2.29% |
| Earnings Yield | 8.03% |
| FCF Yield | 4.13% |
Analyst Forecast
The average price target for Affirm Holdings is $99.09, which is 39.15% higher than the current price. The consensus rating is "Buy".
| Price Target | $99.09 |
| Price Target Difference | 39.15% |
| Analyst Consensus | Buy |
| Analyst Count | 35 |
| Revenue Growth Forecast (3Y) | 25.81% |
| EPS Growth Forecast (3Y) | -6.71% |
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 1.76 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.76 |
| Piotroski F-Score | 5 |