AFRM
NASDAQ
US
Affirm Holdings, Inc. - Class A Common Stock
$46.31
▲ +$0.77
(+1.69%)
Vol 3.6M
9
Quality Score
ok
Deep Check
1/5
fail
Rev ✓
NI ✗
>IPO ✗
Mkt Cap
$24.6B
P/E
105.4
ROE
7.8%
Margin
6.7%
D/E
234.52
Beta
3.63
52W
$31–$100
Wall Street Consensus
37 analysts · Apr 20268
Strong Buy
20
Buy
9
Hold
0
Sell
0
Strong Sell
75.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 100.0%
Next Report
May 07, 2026
EPS Estimate: $0.18
| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Sep 2026 | $0.18 | — | — |
| Dec 2025 | $0.27 | $0.37 | +$0.10 |
| Sep 2025 | $0.11 | $0.23 | +$0.12 |
| Jun 2025 | $0.11 | $0.20 | +$0.09 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $866.4M | $783.1M | $876.4M | $933.3M | $1.1B |
| Net Income | $80.4M | $2.8M | $69.2M | $80.7M | $129.6M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 1.8% | -2.2% | 1.8% | 1.8% | 7.8% | 7.8% |
| P/E (TTM) | 427.41 | — | 464.41 | 448.56 | 94.91 | 105.40 |
| Net Margin | 7.9% | -2.3% | 1.6% | 1.6% | 6.7% | 6.7% |
| Gross Margin | 93.1% | — | 92.5% | 92.5% | 92.5% | 92.5% |
| D/E Ratio | 247.95 | 248.55 | 247.95 | 247.95 | 234.52 | 234.52 |
| Current Ratio | 4.20 | 4.49 | 4.20 | 4.20 | 4.58 | 4.58 |
Key Ratios
ROA (TTM)
2.1%
P/S (TTM)
7.10
P/B
7.3
EPS (TTM)
$0.65
CF/Share
$-2.52
Rev Growth 3Y
+33.7%
52W High
$100.00
52W Low
$30.90
$30.90
52-Week Range
$100.00
Financial Health
Free Cash Flow
$118.0M
Net Debt
$7.7B
Cash
$1.5B
Total Debt
$9.2B
As of Dec 31, 2025
How does AFRM compare to Financial Services peers?
Peer group: Large-cap Financial Services ($10B+) · 23 companies
AFRM valuation vs Financial Services peers
P/E ratio
105.4
▲
323%
above
peers
(24.9)
vs Peers
vs Industry
Overvalued
P/S ratio
7.1
▲
30%
above
peers
(5.5)
vs Peers
vs Industry
Overvalued
P/B ratio
7.3
▲
76%
above
peers
(4.1)
vs Peers
vs Industry
Overvalued
Div yield
—
▼
0%
below
peers
(1.2%)
vs Peers
vs Industry
Strong yield
AFRM profitability vs Financial Services peers
ROE
7.8%
▼
44%
below
peers
(14.0%)
vs Peers
vs Industry
Weak
Net margin
6.7%
▼
68%
below
peers
(20.8%)
vs Peers
vs Industry
Weak
Gross margin
92.5%
▲
8%
above
peers
(85.7%)
vs Peers
vs Industry
In line
ROA
2.1%
▼
54%
below
peers
(4.7%)
vs Peers
vs Industry
Weak
AFRM financial health vs Financial Services peers
D/E ratio
234.5
▲
182%
above
peers
(83.3)
vs Peers
vs Industry
High debt
Current ratio
4.6
▲
275%
above
peers
(1.2)
vs Peers
vs Industry
Strong liquidity
Beta
3.6
▲
188%
above
peers
(1.3)
vs Peers
vs Industry
More volatile
AFRM fundamentals radar
AFRM
Peer median
Industry
AFRM profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio