Stock Scorecard
Stock Summary for Affirm Holdings Inc - Class A (AFRM) - $82.22 as of 9/2/2025 8:51:54 PM EST
Total Score
6 out of 30
Safety Score
47 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 (47 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 10 |
| Stock Price Trend (Max of 10) | 2 |
| 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
Financial Details for AFRM
Company Overview |
|
|---|---|
| Ticker | AFRM |
| Company Name | Affirm Holdings Inc - Class A |
| Country | USA |
| Description | Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California. |
| Sector Name | TRADE & SERVICES |
| Industry Name | SERVICES-BUSINESS SERVICES, NEC |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 11/5/2025 |
Stock Price History |
|
| Last Day Price | 82.22 |
| Price 4 Years Ago | 100.56 |
| Last Day Price Updated | 9/2/2025 8:51:54 PM EST |
| Last Day Volume | 13,832,985 |
| Average Daily Volume | 7,241,237 |
| 52-Week High | 100.00 |
| 52-Week Low | 30.90 |
| Last Price to 52 Week Low | 166.08% |
Valuation Measures |
|
| Trailing PE | 589.66 |
| Industry PE | 68.75 |
| Sector PE | 38.23 |
| 5-Year Average PE | 16.78 |
| Free Cash Flow Ratio | 17.31 |
| Industry Free Cash Flow Ratio | 26.51 |
| Sector Free Cash Flow Ratio | 52.07 |
| 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 | 9.39 |
| Industry Price to Book Ratio | 8.19 |
| Sector Price to Book Ratio | 11.04 |
| Price to Sales Ratio Twelve Trailing Months | 8.93 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.79 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.88 |
| Analyst Buy Ratings | 13 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 284,918,000 |
| Market Capitalization | 23,425,957,960 |
| Institutional Ownership | 82.11% |
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 | 0.75 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 3.46 |
| MACD Signal | 2.67 |
| 20-Day Bollinger Lower Band | 38.49 |
| 20-Day Bollinger Middle Band | 62.36 |
| 20-Day Bollinger Upper Band | 86.22 |
| Beta | 3.63 |
| RSI | 72.70 |
| 50-Day SMA | 57.42 |
| 150-Day SMA | 34.91 |
| 200-Day SMA | 39.20 |
System |
|
| Modified | 9/2/2025 4:47:43 PM EST |