← Back to Screener
Affirm Holdings, Inc. Class A Common Stock (AFRM)
Price$67.06
Favorite Metrics
Price vs S&P 500 (26W)-15.25%
Price vs S&P 500 (4W)37.14%
Market Capitalization$22.34B
P/E Ratio (Annual)428.06x
All Metrics
P/CF (Annual)28.14x
Book Value / Share (Quarterly)$10.68
P/TBV (Annual)7.30x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)33.69%
Cash Flow / Share (Quarterly)$1.86
Price vs S&P 500 (YTD)-13.83%
Gross Margin (TTM)92.32%
Net Profit Margin (TTM)7.60%
EPS (TTM)$0.78
10-Day Avg Trading Volume5.62M
EPS Excl Extra (TTM)$0.78
Revenue Growth (5Y)44.63%
EPS (Annual)$0.15
ROI (Annual)0.49%
Gross Margin (Annual)92.49%
Net Profit Margin (5Y Avg)-37.16%
Cash / Share (Quarterly)$4.60
P/E Basic Excl Extra (TTM)79.12x
Revenue Growth QoQ (YoY)29.62%
P/E Normalized (Annual)428.06x
ROA (Last FY)0.47%
Revenue Growth TTM (YoY)32.70%
EBITD / Share (TTM)$2.76
ROE (5Y Avg)-20.05%
Operating Margin (TTM)6.21%
Cash Flow / Share (Annual)$1.85
P/B Ratio6.30x
P/B Ratio (Quarterly)6.93x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)8.02x
Net Interest Coverage (TTM)-3.76x
ROA (TTM)2.45%
EPS Growth QoQ (YoY)59.32%
EV / EBITDA (TTM)30.03x
EPS Incl Extra (Annual)$0.15
Current Ratio (Annual)4.20x
Quick Ratio (Quarterly)5.22x
3-Month Avg Trading Volume6.03M
52-Week Price Return59.29%
EV / Free Cash Flow (Annual)49.56x
P/E Incl Extra (TTM)79.12x
Revenue / Employee (TTM)$2
Tangible BV / Share (Quarterly)$10.64
P/S Ratio (Annual)6.93x
Asset Turnover (Annual)0.29x
52-Week High$100.00
Operating Margin (5Y Avg)-42.10%
EPS Excl Extra (Annual)$0.15
CapEx CAGR (5Y)55.68%
26-Week Price Return-8.36%
Quick Ratio (Annual)4.20x
13-Week Price Return-6.61%
Total Debt / Equity (Annual)2.48x
Current Ratio (Quarterly)5.29x
Enterprise Value$29,819.76
Revenue / Share Growth (5Y)35.12%
Asset Turnover (TTM)0.32x
Revenue / Employee (Annual)$1
Pretax Margin (Annual)1.91%
Cash / Share (Annual)$4.17
3-Month Return Std Dev64.72%
Gross Margin (5Y Avg)86.48%
Net Income / Employee (TTM)$0
ROE (Last FY)1.70%
Net Interest Coverage (Annual)-5.62x
EPS Basic Excl Extra (Annual)$0.15
P/FCF (TTM)36.08x
Receivables Turnover (TTM)15.75x
EV / Free Cash Flow (TTM)48.16x
Total Debt / Equity (Quarterly)2.54x
EPS Incl Extra (TTM)$0.78
Receivables Turnover (Annual)8.28x
ROI (TTM)2.55%
P/S Ratio (TTM)6.01x
Pretax Margin (5Y Avg)-37.45%
Revenue / Share (Annual)$9.46
Tangible BV / Share (Annual)$9.40
Forward P/E62.12x
Price vs S&P 500 (52W)24.65%
P/E Ratio (TTM)79.12x
Year-to-Date Return-9.90%
5-Day Price Return20.14%
EPS Normalized (Annual)$0.15
ROA (5Y Avg)-7.25%
Net Profit Margin (Annual)1.62%
Month-to-Date Return46.36%
Cash Flow / Share (TTM)$-2.52
EBITD / Share (Annual)$2.09
Operating Margin (Annual)-0.29%
LT Debt / Equity (Annual)2.48x
P/CF (TTM)26.81x
ROI (5Y Avg)-7.66%
P/E Excl Extra (TTM)79.12x
LT Debt / Equity (Quarterly)2.54x
EPS Basic Excl Extra (TTM)$0.78
P/TBV (Quarterly)6.95x
P/B Ratio (Annual)7.27x
Pretax Margin (TTM)7.89%
Book Value / Share (Annual)$9.44
Price vs S&P 500 (13W)-9.00%
Beta3.84x
P/FCF (Annual)37.12x
Revenue / Share (TTM)$10.64
ROE (TTM)8.83%
52-Week Low$39.42
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.94
3.94
3.97
3.97
Industry Peers — Personal Credit Institutions(15)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
AFRMAffirm Holdings, Inc. Class A Common Stock | 428.06x | 8.83% | 6.21% | 44.63% | $67.06 |
OMFOneMain Holdings, Inc. | 8.97x | 23.40% | 16.04% | 4.82% | $59.92 |
CACCCredit Acceptance Corp | 13.36x | 26.63% | 44.38% | 6.78% | $542.71 |
NNINelnet, Inc. Class A | 11.67x | 11.96% | 26.54% | 7.13% | $138.72 |
SLMSLM Corporation | 6.13x | 31.14% | 26.74% | 7.17% | $23.11 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 6.13x | 31.14% | 26.74% | 7.17% | $74.60 |
ENVAEnova International, Inc. | 13.31x | 24.45% | 40.35% | 21.75% | $165.23 |
BFHBread Financial Holdings, Inc. | 7.59x | 16.12% | 13.65% | 3.44% | $91.75 |
LCLendingClub Corporation | 14.91x | 9.47% | 11.38% | 2.92% | $17.92 |
ATLCAtlanticus Holdings Corporation | 8.95x | 19.92% | 18.46% | 13.90% | $72.98 |
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 8.95x | 19.92% | 18.46% | 13.90% | $24.99 |
About
Affirm is a leading buy-now, pay-later platform with $36 billion in annual transaction volume (FY2025), primarily generating revenue from interest-bearing installment loans which represent over 70% of transaction volume. The company complements its core lending business with merchant-subsidized zero-interest options. While the U.S. represents over 95% of revenue, Affirm has expanded to Canada and the United Kingdom.