Affirm Holdings Statistics
Total Valuation
Affirm Holdings has a market cap or net worth of $21.30 billion. The enterprise value is $28.62 billion.
| Market Cap | 21.30B |
| Enterprise Value | 28.62B |
Important Dates
The last earnings date was Thursday, May 7, 2026, after market close.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Affirm Holdings has 334.90 million shares outstanding. The number of shares has increased by 12.91% in one year.
| Current Share Class | 294.36M |
| Shares Outstanding | 334.90M |
| Shares Change (YoY) | +12.91% |
| Shares Change (QoQ) | -0.36% |
| Owned by Insiders (%) | 9.03% |
| Owned by Institutions (%) | 76.24% |
| Float | 281.26M |
Valuation Ratios
The trailing PE ratio is 60.10 and the forward PE ratio is 16.97. Affirm Holdings's PEG ratio is 8.49.
| PE Ratio | 60.10 |
| Forward PE | 16.97 |
| PS Ratio | 5.36 |
| Forward PS | 4.30 |
| PB Ratio | 5.63 |
| P/TBV Ratio | 6.60 |
| P/FCF Ratio | 27.07 |
| P/OCF Ratio | 21.10 |
| PEG Ratio | 8.49 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 45.32, with an EV/FCF ratio of 36.38.
| EV / Earnings | 74.85 |
| EV / Sales | 7.21 |
| EV / EBITDA | 45.32 |
| EV / EBIT | 87.33 |
| EV / FCF | 36.38 |
Financial Position
The company has a current ratio of 13.54, with a Debt / Equity ratio of 2.40.
| Current Ratio | 13.54 |
| Quick Ratio | 9.57 |
| Debt / Equity | 2.40 |
| Debt / EBITDA | 14.19 |
| Debt / FCF | 11.55 |
| Interest Coverage | 30.39 |
Financial Efficiency
Return on equity (ROE) is 11.49% and return on invested capital (ROIC) is 2.85%.
| Return on Equity (ROE) | 11.49% |
| Return on Assets (ROA) | 1.74% |
| Return on Invested Capital (ROIC) | 2.85% |
| Return on Capital Employed (ROCE) | 2.53% |
| Weighted Average Cost of Capital (WACC) | 17.27% |
| Revenue Per Employee | $1.80M |
| Profits Per Employee | $173,356 |
| Employee Count | 2,206 |
| Asset Turnover | 0.34 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Affirm Holdings has paid $12.79 million in taxes.
| Income Tax | 12.79M |
| Effective Tax Rate | 3.24% |
Stock Price Statistics
The stock price has increased by +17.08% in the last 52 weeks. The beta is 3.70, so Affirm Holdings's price volatility has been higher than the market average.
| Beta (5Y) | 3.70 |
| 52-Week Price Change | +17.08% |
| 50-Day Moving Average | 61.38 |
| 200-Day Moving Average | 67.15 |
| Relative Strength Index (RSI) | 45.15 |
| Average Volume (20 Days) | 5,379,280 |
Short Selling Information
The latest short interest is 18.90 million, so 5.64% of the outstanding shares have been sold short.
| Short Interest | 18.90M |
| Short Previous Month | 19.10M |
| Short % of Shares Out | 5.64% |
| Short % of Float | 6.72% |
| Short Ratio (days to cover) | 3.43 |
Income Statement
In the last 12 months, Affirm Holdings had revenue of $3.97 billion and earned $382.42 million in profits. Earnings per share was $1.06.
| Revenue | 3.97B |
| Gross Profit | 1.92B |
| Operating Income | 327.78M |
| Pretax Income | 395.21M |
| Net Income | 382.42M |
| EBITDA | 631.56M |
| EBIT | 327.78M |
| Earnings Per Share (EPS) | $1.06 |
Balance Sheet
The company has $1.77 billion in cash and $9.09 billion in debt, with a net cash position of -$7.32 billion or -$21.86 per share.
| Cash & Cash Equivalents | 1.77B |
| Total Debt | 9.09B |
| Net Cash | -7.32B |
| Net Cash Per Share | -$21.86 |
| Equity (Book Value) | 3.78B |
| Book Value Per Share | 11.30 |
| Working Capital | 2.62B |
Cash Flow
In the last 12 months, operating cash flow was $1.01 billion and capital expenditures -$222.59 million, giving a free cash flow of $786.85 million.
| Operating Cash Flow | 1.01B |
| Capital Expenditures | -222.59M |
| Depreciation & Amortization | 303.78M |
| Net Borrowing | 1.73B |
| Free Cash Flow | 786.85M |
| FCF Per Share | $2.35 |
Margins
Gross margin is 48.37%, with operating and profit margins of 8.25% and 9.63%.
| Gross Margin | 48.37% |
| Operating Margin | 8.25% |
| Pretax Margin | 9.95% |
| Profit Margin | 9.63% |
| EBITDA Margin | 15.90% |
| EBIT Margin | 8.25% |
| FCF Margin | 19.81% |
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 | -12.91% |
| Shareholder Yield | n/a |
| Earnings Yield | 1.80% |
| FCF Yield | 3.69% |
Analyst Forecast
The average price target for Affirm Holdings is $83.15, which is 30.72% higher than the current price. The consensus rating is "Buy".
| Price Target | $83.15 |
| Price Target Difference | 30.72% |
| Analyst Consensus | Buy |
| Analyst Count | 31 |
| Revenue Growth Forecast (3Y) | 26.65% |
| EPS Growth Forecast (3Y) | 39.39% |
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 1.68 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.68 |
| Piotroski F-Score | 7 |