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