Stock Scorecard



Stock Summary for Affirm Holdings Inc - Class A (AFRM) - $89.96 as of 9/17/2025 7:41:55 PM EST

Total Score

6 out of 30

Safety Score

45 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for AFRM

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for AFRM

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for AFRM

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for AFRM

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for AFRM (45 out of 100)

Stock Price Rating (Max of 10) 9
Historical Stock Price Rating (Max of 10) 10
Stock Price Trend (Max of 10) 0
Book Value (Max of 10) 4
Book Value to Price (Max of 10) 0
Analyst Buy Ratings (Max of 5) 5
Analyst Strong Buy Ratings (Max of 5) 4
Dividend Yield Percentage (Max of 10) 0
Operating Margin (Max of 10) 2
Trading Volume (Max of 10) 10
Price to Earnings (Max of 10) 1
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Latest News for for AFRM

Sundar Pichai Says He's 'Excited' About Teaming Up With PayPal On AI Shopping And Payments: PYPL Spikes After Hours - Alphabet ( NASDAQ:GOOG ) , Alphabet ( NASDAQ:GOOGL ) 9/18/2025 4:09:00 AM
Affirm Expands BNPL Reach With ServiceTitan & Vagaro Partnerships 9/17/2025 4:09:00 PM
Affirm vs. Block: Which Fintech Stock Has More Growth Potential? 9/17/2025 3:58:00 PM
Here's Everything Investors Need to Know About Klarna's IPO 9/17/2025 1:23:00 AM
Affirm Unveils In-Store Pay Later Option Through Apple Pay 9/16/2025 5:07:00 PM
Webtoon ( WBTN ) Soars 5.1%: Is Further Upside Left in the Stock? 9/16/2025 4:07:00 PM
What's Going On With Affirm Holdings Stock On Tuesday? - Amplify Digital Payments ETF ( ARCA:IPAY ) , Affirm Holdings ( NASDAQ:AFRM ) 9/16/2025 3:28:00 PM
Siphelele Jiyane Executes Sell Order: Offloads $1.07M In Affirm Holdings Stock - Affirm Holdings ( NASDAQ:AFRM ) 9/16/2025 3:02:00 PM
Affirm Holdings ( AFRM ) Gains As Market Dips: What You Should Know 9/12/2025 9:50:00 PM
Klarna Stock IPO Soars. Here's Everything You Need to Know. 9/12/2025 3:15:00 PM

Financial Details for AFRM

Company Overview

Ticker AFRM
Company Name Affirm Holdings Inc - Class A
Country USA
Description Affirm Holdings, Inc. is a leading financial technology company that provides a robust platform for digital and mobile commerce in the United States and Canada, specializing in point-of-sale financing and buy now, pay later (BNPL) solutions. Headquartered in San Francisco, California, Affirm aims to enhance consumer purchasing power while promoting responsible spending and transparent borrowing. The company's innovative offerings enable merchants to increase conversion rates and drive sales by allowing consumers to finance their purchases through flexible payment options, solidifying Affirm's position as a key player in the evolving e-commerce ecosystem.
Sector Name TECHNOLOGY
Industry Name SOFTWARE - INFRASTRUCTURE
Most Recent Quarter 6/30/2025
Next Earnings Date 11/5/2025

Stock Price History

Last Day Price 89.96
Price 4 Years Ago 100.56
Last Day Price Updated 9/17/2025 7:41:55 PM EST
Last Day Volume 7,330,789
Average Daily Volume 8,981,094
52-Week High 100.00
52-Week Low 30.90
Last Price to 52 Week Low 191.13%

Valuation Measures

Trailing PE 599.73
Industry PE 91.08
Sector PE 77.36
5-Year Average PE 16.78
Free Cash Flow Ratio 18.94
Industry Free Cash Flow Ratio 22.26
Sector Free Cash Flow Ratio 39.98
Current Ratio Most Recent Quarter 54.19
Total Cash Per Share 4.75
Book Value Per Share Most Recent Quarter 9.35
Price to Book Ratio 9.55
Industry Price to Book Ratio 9.91
Sector Price to Book Ratio 7.80
Price to Sales Ratio Twelve Trailing Months 9.09
Industry Price to Sales Ratio Twelve Trailing Months 6.06
Sector Price to Sales Ratio Twelve Trailing Months 6.16
Analyst Buy Ratings 13
Analyst Strong Buy Ratings 2

Share Statistics

Total Shares Outstanding 284,918,000
Market Capitalization 25,631,223,280
Institutional Ownership 82.13%

Dividends

Ex-Dividend Date N/A
Previous Dividend Amount 0.0000
Current Dividend Amount 0.0000
Total Years Dividend Increasing N/A
Trailing Annual Dividend Rate 0.00
Trailing Annual Dividend Yield 0.00%
Forward Annual Dividend Rate 0.00
Forward Annual Dividend Yield 0.00%
5-Year Dividend Payments Count 0
3-Year Average Dividend Yield 0.00%
5-Year Average Dividend Yield 0.00%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.00%
All-Time Dividend Growth Rate Percentage 0.00%
Dividend Payout Ratio N/A

Income Statement

Quarterly Earnings Growth YOY 0.00%
Annual Earnings Growth 110.08%
Reported EPS 12 Trailing Months 0.15
Reported EPS Past Year 0.46
Reported EPS Prior Year -1.68
Net Income Twelve Trailing Months 52,186,000
Net Income Past Year 52,186,000
Net Income Prior Year -517,757,000
Quarterly Revenue Growth YOY 33.00%
5-Year Revenue Growth 44.63%
Operating Margin Twelve Trailing Months 6.53%

Balance Sheet

Total Cash Most Recent Quarter 1,354,455,000
Total Cash Past Year 1,354,455,000
Total Cash Prior Year 1,013,106,000
Net Cash Position Most Recent Quarter -6,466,908,000
Net Cash Position Past Year -6,466,908,000
Long Term Debt Past Year 7,821,363,000
Long Term Debt Prior Year 6,574,855,000
Total Debt Most Recent Quarter 7,821,363,000
Equity to Debt Ratio Past Year 0.28
Equity to Debt Ratio Most Recent Quarter 0.28
Total Stockholder Equity Past Year 3,069,009,000
Total Stockholder Equity Prior Year 2,731,989,000
Total Stockholder Equity Most Recent Quarter 3,069,009,000

Free Cash Flow

Free Cash Flow Twelve Trailing Months 601,720,000
Free Cash Flow Per Share Twelve Trailing Months 2.11
Free Cash Flow Past Year 601,720,000
Free Cash Flow Prior Year 290,842,000

Options

Put/Call Ratio 0.83
Has Options Options Chain
Liquidity Rating

Technical Analysis

Yahoo Finance Chart Yahoo Finance Chart
MACD 3.36
MACD Signal 3.79
20-Day Bollinger Lower Band 42.60
20-Day Bollinger Middle Band 68.18
20-Day Bollinger Upper Band 93.75
Beta 3.65
RSI 54.08
50-Day SMA 59.96
150-Day SMA 36.24
200-Day SMA 38.08

System

Modified 9/17/2025 4:44:07 PM EST