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Affirm Holdings, Inc. Class A Common Stock (AFRM)
Price$63.61
Value ScoreD
Growth ScoreB
Momentum ScoreB
Favorite Metrics
Price vs S&P 500 (26W)-18.27%
Price vs S&P 500 (4W)-0.62%
VGM Score55.48
Market Capitalization$21.30B
P/E Ratio (Annual)408.22x
All Metrics
P/CF (Annual)26.83x
Book Value / Share (Quarterly)$11.30
P/TBV (Annual)7.30x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)33.69%
Cash Flow / Share (Quarterly)$2.35
Price vs S&P 500 (YTD)-22.69%
Gross Margin (TTM)92.55%
Net Profit Margin (TTM)9.63%
EPS (TTM)$1.07
10-Day Avg Trading Volume5.27M
EPS Excl Extra (TTM)$1.07
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)$5.15
P/E Basic Excl Extra (TTM)55.71x
Revenue Growth QoQ (YoY)32.64%
P/E Normalized (Annual)408.22x
ROA (Last FY)0.47%
Revenue Growth TTM (YoY)32.07%
EBITD / Share (TTM)$1.68
ROE (5Y Avg)-20.05%
Operating Margin (TTM)8.25%
Cash Flow / Share (Annual)$1.85
P/B Ratio5.63x
P/B Ratio (Quarterly)4.03x
Net Income / Employee (Annual)$23,700
EV / Revenue (TTM)7.16x
Net Interest Coverage (TTM)-3.76x
ROA (TTM)3.14%
EPS Growth QoQ (YoY)3549.38%
EV / EBITDA (TTM)46.82x
EPS Incl Extra (Annual)$0.15
Current Ratio (Annual)4.20x
Quick Ratio (Quarterly)4.63x
3-Month Avg Trading Volume6.10M
52-Week Price Return14.18%
EV / Free Cash Flow (Annual)47.29x
P/E Incl Extra (TTM)55.71x
Revenue / Employee (TTM)$1,800,300
Tangible BV / Share (Quarterly)$11.22
P/S Ratio (Annual)6.61x
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-10.35%
Quick Ratio (Annual)4.20x
13-Week Price Return21.16%
Total Debt / Equity (Annual)2.48x
Current Ratio (Quarterly)4.68x
Enterprise Value$28.45B
Revenue / Share Growth (5Y)35.12%
Asset Turnover (TTM)0.33x
Revenue / Employee (Annual)$1,461,700
Pretax Margin (Annual)1.91%
Cash / Share (Annual)$4.17
3-Month Return Std Dev60.05%
Gross Margin (5Y Avg)86.48%
Net Income / Employee (TTM)$173,400
ROE (Last FY)1.70%
Net Interest Coverage (Annual)-5.62x
EPS Basic Excl Extra (Annual)$0.15
P/FCF (TTM)27.07x
Receivables Turnover (TTM)17.61x
EV / Free Cash Flow (TTM)36.16x
Total Debt / Equity (Quarterly)2.35x
EPS Incl Extra (TTM)$1.07
Receivables Turnover (Annual)8.28x
ROI (TTM)3.26%
P/S Ratio (TTM)5.36x
Pretax Margin (5Y Avg)-37.45%
Revenue / Share (Annual)$9.46
Tangible BV / Share (Annual)$9.40
Forward P/E43.65x
Price vs S&P 500 (52W)-10.19%
P/E Ratio (TTM)55.71x
Year-to-Date Return-14.54%
5-Day Price Return-12.76%
EPS Normalized (Annual)$0.15
ROA (5Y Avg)-7.25%
Net Profit Margin (Annual)1.62%
Month-to-Date Return-13.63%
Cash Flow / Share (TTM)$-2.52
EBITD / Share (Annual)$0.63
Operating Margin (Annual)-0.29%
LT Debt / Equity (Annual)2.48x
P/CF (TTM)21.10x
ROI (5Y Avg)-7.66%
P/E Excl Extra (TTM)55.71x
LT Debt / Equity (Quarterly)2.35x
EPS Basic Excl Extra (TTM)$1.07
P/TBV (Quarterly)4.06x
P/B Ratio (Annual)7.27x
Pretax Margin (TTM)9.95%
Book Value / Share (Annual)$9.44
Price vs S&P 500 (13W)12.91%
Beta3.78x
P/FCF (Annual)35.40x
Revenue / Share (TTM)$11.41
ROE (TTM)11.17%
52-Week Low$42.09
vGradeD
gGradeB
mGradeB
vgmGradeC
Show chart for
Earnings Surprise History
Q3 260.30est. 0.20
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
3.94
3.97
3.97
3.97
Industry Peers — Personal Credit Institutions(14)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
AFRMAffirm Holdings, Inc. Class A Common Stock | D | B | B | $63.61 |
| OMFOneMain Holdings, Inc. | B | D | B | $55.36 |
| CACCCredit Acceptance Corp | C | C | B | $544.71 |
| NNINelnet, Inc. Class A | C | C | B | $129.03 |
| SLMSLM Corporation | C | C | B | $22.39 |
| ENVAEnova International, Inc. | C | C | A | $168.82 |
| BFHBread Financial Holdings, Inc. | B | C | A | $91.11 |
| LCLendingClub Corporation | C | C | B | $17.15 |
| ATLCAtlanticus Holdings Corporation | C | C | A | $84.10 |
| ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | C | C | A | $25.18 |
| ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029 | C | C | A | $25.60 |
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.