NASDAQ: AFRMAffirm Holdings Inc Stock
$49.76-0.64 (-1.27%)
Updated Apr 30, 2025
AFRM Price
$49.76
Fair Value Price
-$45.53
Market Cap
$15.83B
52 Week Low
$22.25
52 Week High
$82.53
P/E
-78.98x
P/B
5.68x
P/S
7.01x
PEG
N/A
Dividend Yield
N/A
Revenue
$2.80B
Earnings
-$198.93M
Gross Margin
44.5%
Operating Margin
-6.88%
Profit Margin
-7.1%
Debt to Equity
2.76
Operating Cash Flow
$786M
Beta
3.14
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
AFRM Overview
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine AFRM's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Software Infrastructure
Industry Rating
A
AFRM
Ranked#49 of 124
Ranked#49 of 124
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $10.50 | A | |
| $60.13 | A | |
| $6.80 | A |
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AFRM News
Overview
Due Diligence Score
–
Industry Average (34)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how AFRM scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
AFRM ($49.76) is overvalued by 209.28% relative to our estimate of its Fair Value price of -$45.53 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
AFRM ($49.76) is not significantly undervalued (209.28%) relative to our estimate of its Fair Value price of -$45.53 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
AFRM is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more AFRM due diligence checks available for Premium users.
Valuation
AFRM fair value
Fair Value of AFRM stock based on Discounted Cash Flow (DCF)
Price
$49.76
Fair Value
-$45.53
Undervalued by
209.28%
AFRM ($49.76) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
AFRM ($49.76) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
AFRM is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
AFRM price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-78.98x
Industry
-75.94x
Market
29.18x
AFRM price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
5.68x
Industry
10x
AFRM is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
AFRM's financial health
Profit margin
Revenue
$866.4M
Net Income
$80.4M
Profit Margin
9.3%
AFRM's Earnings (EBIT) of -$192.65M... subscribe to Premium to read more.
Interest Coverage Financials
AFRM's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$10.5B
Liabilities
$7.7B
Debt to equity
2.76
AFRM's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$312.0M
Investing
-$89.1M
Financing
$144.1M
AFRM's operating cash flow ($785.80M)... subscribe to Premium to read more.
Debt Coverage Financials
AFRM vs Software Infrastructure Stocks
Affirm Stock FAQ
Company
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