Affirm Holdings Statistics
Total Valuation
Affirm Holdings has a market cap or net worth of $22.44 billion. The enterprise value is $28.92 billion.
| Market Cap | 22.44B |
| Enterprise Value | 28.92B |
Important Dates
The last earnings date was Thursday, November 6, 2025, after market close.
| Earnings Date | Nov 6, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
Affirm Holdings has 330.07 million shares outstanding. The number of shares has increased by 11.19% in one year.
| Current Share Class | 289.36M |
| Shares Outstanding | 330.07M |
| Shares Change (YoY) | +11.19% |
| Shares Change (QoQ) | +1.67% |
| Owned by Insiders (%) | 9.16% |
| Owned by Institutions (%) | 72.45% |
| Float | 276.35M |
Valuation Ratios
The trailing PE ratio is 101.66 and the forward PE ratio is 20.78.
| PE Ratio | 101.66 |
| Forward PE | 20.78 |
| PS Ratio | 6.40 |
| Forward PS | 5.15 |
| PB Ratio | 6.80 |
| P/TBV Ratio | 8.14 |
| P/FCF Ratio | 29.17 |
| P/OCF Ratio | 23.10 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 73.41, with an EV/FCF ratio of 37.60.
| EV / Earnings | 124.08 |
| EV / Sales | 8.36 |
| EV / EBITDA | 73.41 |
| EV / EBIT | 265.14 |
| EV / FCF | 37.60 |
Financial Position
The company has a current ratio of 14.61, with a Debt / Equity ratio of 2.41.
| Current Ratio | 14.61 |
| Quick Ratio | 10.26 |
| Debt / Equity | 2.41 |
| Debt / EBITDA | 19.78 |
| Debt / FCF | 10.35 |
| Interest Coverage | 12.00 |
Financial Efficiency
Return on equity (ROE) is 7.60% and return on invested capital (ROIC) is 0.64%.
| Return on Equity (ROE) | 7.60% |
| Return on Assets (ROA) | 0.63% |
| Return on Invested Capital (ROIC) | 0.64% |
| Return on Capital Employed (ROCE) | 0.96% |
| Revenue Per Employee | $1.57M |
| Profits Per Employee | $105,667 |
| Employee Count | 2,206 |
| Asset Turnover | 0.32 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Affirm Holdings has paid $9.70 million in taxes.
| Income Tax | 9.70M |
| Effective Tax Rate | 4.00% |
Stock Price Statistics
The stock price has decreased by -5.57% in the last 52 weeks. The beta is 3.58, so Affirm Holdings's price volatility has been higher than the market average.
| Beta (5Y) | 3.58 |
| 52-Week Price Change | -5.57% |
| 50-Day Moving Average | 71.85 |
| 200-Day Moving Average | 64.45 |
| Relative Strength Index (RSI) | 46.39 |
| Average Volume (20 Days) | 5,852,261 |
Short Selling Information
The latest short interest is 13.82 million, so 4.19% of the outstanding shares have been sold short.
| Short Interest | 13.82M |
| Short Previous Month | 12.88M |
| Short % of Shares Out | 4.19% |
| Short % of Float | 5.00% |
| Short Ratio (days to cover) | 2.34 |
Income Statement
In the last 12 months, Affirm Holdings had revenue of $3.46 billion and earned $233.10 million in profits. Earnings per share was $0.67.
| Revenue | 3.46B |
| Gross Profit | 1.65B |
| Operating Income | 109.08M |
| Pretax Income | 242.81M |
| Net Income | 233.10M |
| EBITDA | 393.96M |
| EBIT | 109.08M |
| Earnings Per Share (EPS) | $0.67 |
Balance Sheet
The company has $1.48 billion in cash and $7.96 billion in debt, giving a net cash position of -$6.48 billion or -$19.63 per share.
| Cash & Cash Equivalents | 1.48B |
| Total Debt | 7.96B |
| Net Cash | -6.48B |
| Net Cash Per Share | -$19.63 |
| Equity (Book Value) | 3.30B |
| Book Value Per Share | 10.00 |
| Working Capital | 2.34B |
Cash Flow
In the last 12 months, operating cash flow was $971.61 million and capital expenditures -$202.40 million, giving a free cash flow of $769.21 million.
| Operating Cash Flow | 971.61M |
| Capital Expenditures | -202.40M |
| Free Cash Flow | 769.21M |
| FCF Per Share | $2.33 |
Margins
Gross margin is 47.76%, with operating and profit margins of 3.15% and 6.74%.
| Gross Margin | 47.76% |
| Operating Margin | 3.15% |
| Pretax Margin | 7.02% |
| Profit Margin | 6.74% |
| EBITDA Margin | 11.39% |
| EBIT Margin | 3.15% |
| FCF Margin | 22.24% |
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 | -11.19% |
| Shareholder Yield | -11.19% |
| Earnings Yield | 1.04% |
| FCF Yield | 3.43% |
Analyst Forecast
The average price target for Affirm Holdings is $85.26, which is 25.40% higher than the current price. The consensus rating is "Buy".
| Price Target | $85.26 |
| Price Target Difference | 25.40% |
| Analyst Consensus | Buy |
| Analyst Count | 27 |
| Revenue Growth Forecast (5Y) | 23.23% |
| EPS Growth Forecast (5Y) | 95.73% |
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 1.64 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.64 |
| Piotroski F-Score | 6 |