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Company Analysis

Affirm Holdings, Inc. AFRM

A comprehensive view of key metrics, scores, and financial health for Affirm Holdings, Inc.

Overview of Affirm Holdings, Inc.

AFRM NMS
Technology Software - Infrastructure Large Cap
Affirm Holdings, Inc. (AFRM), is a Large Cap company, in the Software - Infrastructure industry, last closed at $46.88, about 0.6% undervalued vs fair value, -2.3% 1Y return, ranked 194/761 in sector.
$46.88
1.08%
As of March 13, 2026
Previous close • Vol 90d: 63.7%
52-Week Range
Market Cap
$15.62B
Enterprise Value
$23.27B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.affirm.com
HQ San Francisco, CA
Employees 2,206
Fiscal year Jun 30

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$43
$47
$52
Current: $46.88 +1% vs base

Engine Room Money Flow™

Large Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$3.2B
38.8%%
Gross Profit
$2.2B
47.3%%
Operating Income
$338.0M
227.6%%
Net Income
$52.2M
110.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
11.5x
Excellent

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$265.8M
44.2% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
3/4
Improving
2
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Affirm Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing AFRM's balance between Growth (36.4%), Profitability (28.3%), and Safety (35.3%). Growth 36% Safety 35% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

80th percentile vs peers
81
Key Signals
Rev Growth YoY 38.8% 88p Revenue CAGR 3Y 33.7% 81p EPS Growth YoY 1.09 89p TSR -14.8% 40p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • Rev Growth Yoy in top 20% of peers (38.8%, 88th percentile)
  • Revenue Cagr 3Y in top 20% of peers (33.7%, 81th percentile)
  • Eps Growth Yoy in top 20% of peers (1.09, 89th percentile)
  • Current Ratio in top 20% of peers (54.19, 99th percentile)
Risks

No significant risks identified for this axis.

Profitability

63th percentile vs peers
63
Key Signals
Strengths
Risks
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Safety

78th percentile vs peers
78
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Affirm Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$47.15
- - -
+0.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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