View ValuationAffirm Holdings 향후 성장Future 기준 점검 5/6Affirm Holdings (는) 각각 연간 27.9% 및 18.2% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 25.4% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 20% 로 예상됩니다.핵심 정보27.9%이익 성장률25.42%EPS 성장률Diversified Financial 이익 성장10.4%매출 성장률18.2%향후 자기자본이익률20.04%애널리스트 커버리지Good마지막 업데이트27 Jul 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updates공고 • Jun 29+ 5 more updatesAffirm Holdings, Inc.(NasdaqGS:AFRM) dropped from Russell Midcap Value BenchmarkAffirm Holdings, Inc.(NasdaqGS:AFRM) dropped from Russell Midcap Value Benchmark공고 • Jun 27Affirm Holdings, Inc. Appoints Ryan Schneider as Class III Director and Member of Audit Committee and Nominating and Governance Committee, Effective July 1, 2026Affirm Holdings, Inc. announced on June 24, 2026, the Board of Directors of the Company increased the size of the Board from nine directors to ten directors and appointed Ryan Schneider to the Board as a Class III director, each effective July 1, 2026. In addition, Mr. Schneider was appointed as a member of the Audit Committee and Nominating and Governance Committee of the Board. Mr. Schneider was the Chief Executive Officer for Anywhere Real Estate, from 2018 to 2026. Prior to Anywhere Real Estate, he served as President, Card Business for Capital One Financial Corporation from 2007 to 2016, where he was responsible for U.S., U.K., and Canada credit card businesses, and also served as senior advisor from 2016 to 2017. Mr. Schneider previously served as a partner at McKinsey and Company with a focus on financial services clients. Mr. Schneider currently serves on the board of directors of Elevance Health, where he chairs the Audit Committee. He previously served on the board of directors of Anywhere Real Estate from 2017 to 2026 and Capital One Bank (USA) N.A. from 2008 to 2016. Mr. Schneider was selected to serve on the Company’s Board due to his extensive executive leadership, his finance, marketing and consumer insights and technology experience, and his public company board of directors service. Effective July 1, 2026, the Board’s committees will be composed as follows: the Audit Committee will consist of Noel Watson (Chair), Brian D. Hughes, Manolo Sánchez, and Ryan Schneider; the Compensation Committee will include Jeremy Liew (Chair), Richard Galanti, Brian D. Hughes, Christa S. Quarles, and Manolo Sánchez; and the Nominating and Governance Committee will be comprised of Christa S. Quarles (Chair), Richard Galanti, Jeremy Liew, and Ryan Schneider.New Risk • Jun 25New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Italian stocks, typically moving 8.6% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (11% operating cash flow to total debt). Share price has been highly volatile over the past 3 months (8.6% average weekly change).Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €64.09, the stock trades at a forward P/E ratio of 44x. Average forward P/E is 11x in the Diversified Financial industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €42.90 per share.Reported Earnings • May 08Third quarter 2026 earnings released: EPS: US$0.30 (vs US$0.009 in 3Q 2025)Third quarter 2026 results: EPS: US$0.30 (up from US$0.009 in 3Q 2025). Revenue: US$1.04b (up 33% from 3Q 2025). Net income: US$102.9m (up US$100.1m from 3Q 2025). Profit margin: 9.9% (up from 0.4% in 3Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 19% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Italy are expected to remain flat.공고 • Apr 17Affirm Holdings, Inc. to Report Q3, 2026 Results on May 07, 2026Affirm Holdings, Inc. announced that they will report Q3, 2026 results After-Market on May 07, 2026Valuation Update With 7 Day Price Move • Apr 15Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €50.33, the stock trades at a forward P/E ratio of 44x. Average forward P/E is 11x in the Diversified Financial industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €31.53 per share.Buy Or Sell Opportunity • Mar 30Now 20% overvaluedOver the last 90 days, the stock has fallen 41% to €38.13. The fair value is estimated to be €31.68, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 33% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 19% per annum. Earnings are also forecast to grow by 31% per annum over the same time period.Valuation Update With 7 Day Price Move • Feb 17Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €43.08, the stock trades at a forward P/E ratio of 35x. Average forward P/E is 9x in the Diversified Financial industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €29.33 per share.Reported Earnings • Feb 06Second quarter 2026 earnings released: EPS: US$0.19 (vs US$0.25 in 2Q 2025)Second quarter 2026 results: EPS: US$0.19. Revenue: US$1.12b (up 30% from 2Q 2025). Net income: US$129.6m (up 61% from 2Q 2025). Profit margin: 12% (up from 9.3% in 2Q 2025). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 2.0% growth forecast for the Diversified Financial industry in Italy.공고 • Jan 16Affirm Holdings, Inc. to Report Q2, 2026 Results on Feb 05, 2026Affirm Holdings, Inc. announced that they will report Q2, 2026 results at 4:00 PM, US Eastern Standard Time on Feb 05, 2026이익 및 매출 성장 예측BIT:1AFRM - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수6/30/20298,2191,4242,508N/A116/30/20286,6119812,6993,244236/30/20275,2796521,8882,016326/30/20264,2024321,4421,242323/31/20263,9723827871,009N/A12/31/20253,716282619833N/A9/30/20253,459233769972N/A6/30/20253,22452602794N/A3/31/20253,007-62609788N/A12/31/20242,800-199613786N/A9/30/20242,525-446380548N/A6/30/20242,323-518291450N/A3/31/20242,110-679279425N/A12/31/20231,914-75033163N/A9/30/20231,723-906-6660N/A6/30/20231,588-985-10912N/A3/31/20231,506-966-239-91N/A12/31/20221,480-815-203-64N/A9/30/20221,442-652-603-476N/A6/30/20221,349-707-274-162N/A3/31/20221,247-644-164-123N/A12/31/20211,123-877-270-218N/A9/30/2021966-744142174N/A6/30/2021870-441-213-193N/A3/31/2021762-283-242-202N/A12/31/2020670-81-101-87N/A9/30/2020596-99-75-55N/A6/30/2020510-113-92-71N/A6/30/2019264-135N/A-88N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: 1AFRM 의 연간 예상 수익 증가율(27.9%)이 saving rate(3.3%)보다 높습니다.수익 vs 시장: 1AFRM 의 연간 수익(27.9%)이 Italian 시장(11.1%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: 1AFRM 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: 1AFRM 의 수익(연간 18.2%)이 Italian 시장(연간 6.1%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: 1AFRM 의 수익(연간 18.2%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: 1AFRM의 자본 수익률은 3년 후 20%로 높을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/27 16:22종가2026/07/27 00:00수익2026/03/31연간 수익2025/06/30데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Affirm Holdings, Inc.는 43명의 분석가가 다루고 있습니다. 이 중 32명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관David KoningBairdRamsey El-AssalBarclaysHarshita RawatBernstein40명의 분석가 더 보기
공고 • Jun 29+ 5 more updatesAffirm Holdings, Inc.(NasdaqGS:AFRM) dropped from Russell Midcap Value BenchmarkAffirm Holdings, Inc.(NasdaqGS:AFRM) dropped from Russell Midcap Value Benchmark
공고 • Jun 27Affirm Holdings, Inc. Appoints Ryan Schneider as Class III Director and Member of Audit Committee and Nominating and Governance Committee, Effective July 1, 2026Affirm Holdings, Inc. announced on June 24, 2026, the Board of Directors of the Company increased the size of the Board from nine directors to ten directors and appointed Ryan Schneider to the Board as a Class III director, each effective July 1, 2026. In addition, Mr. Schneider was appointed as a member of the Audit Committee and Nominating and Governance Committee of the Board. Mr. Schneider was the Chief Executive Officer for Anywhere Real Estate, from 2018 to 2026. Prior to Anywhere Real Estate, he served as President, Card Business for Capital One Financial Corporation from 2007 to 2016, where he was responsible for U.S., U.K., and Canada credit card businesses, and also served as senior advisor from 2016 to 2017. Mr. Schneider previously served as a partner at McKinsey and Company with a focus on financial services clients. Mr. Schneider currently serves on the board of directors of Elevance Health, where he chairs the Audit Committee. He previously served on the board of directors of Anywhere Real Estate from 2017 to 2026 and Capital One Bank (USA) N.A. from 2008 to 2016. Mr. Schneider was selected to serve on the Company’s Board due to his extensive executive leadership, his finance, marketing and consumer insights and technology experience, and his public company board of directors service. Effective July 1, 2026, the Board’s committees will be composed as follows: the Audit Committee will consist of Noel Watson (Chair), Brian D. Hughes, Manolo Sánchez, and Ryan Schneider; the Compensation Committee will include Jeremy Liew (Chair), Richard Galanti, Brian D. Hughes, Christa S. Quarles, and Manolo Sánchez; and the Nominating and Governance Committee will be comprised of Christa S. Quarles (Chair), Richard Galanti, Jeremy Liew, and Ryan Schneider.
New Risk • Jun 25New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Italian stocks, typically moving 8.6% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (11% operating cash flow to total debt). Share price has been highly volatile over the past 3 months (8.6% average weekly change).
Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €64.09, the stock trades at a forward P/E ratio of 44x. Average forward P/E is 11x in the Diversified Financial industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €42.90 per share.
Reported Earnings • May 08Third quarter 2026 earnings released: EPS: US$0.30 (vs US$0.009 in 3Q 2025)Third quarter 2026 results: EPS: US$0.30 (up from US$0.009 in 3Q 2025). Revenue: US$1.04b (up 33% from 3Q 2025). Net income: US$102.9m (up US$100.1m from 3Q 2025). Profit margin: 9.9% (up from 0.4% in 3Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 19% p.a. on average during the next 3 years, while revenues in the Diversified Financial industry in Italy are expected to remain flat.
공고 • Apr 17Affirm Holdings, Inc. to Report Q3, 2026 Results on May 07, 2026Affirm Holdings, Inc. announced that they will report Q3, 2026 results After-Market on May 07, 2026
Valuation Update With 7 Day Price Move • Apr 15Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €50.33, the stock trades at a forward P/E ratio of 44x. Average forward P/E is 11x in the Diversified Financial industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €31.53 per share.
Buy Or Sell Opportunity • Mar 30Now 20% overvaluedOver the last 90 days, the stock has fallen 41% to €38.13. The fair value is estimated to be €31.68, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 33% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 19% per annum. Earnings are also forecast to grow by 31% per annum over the same time period.
Valuation Update With 7 Day Price Move • Feb 17Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €43.08, the stock trades at a forward P/E ratio of 35x. Average forward P/E is 9x in the Diversified Financial industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €29.33 per share.
Reported Earnings • Feb 06Second quarter 2026 earnings released: EPS: US$0.19 (vs US$0.25 in 2Q 2025)Second quarter 2026 results: EPS: US$0.19. Revenue: US$1.12b (up 30% from 2Q 2025). Net income: US$129.6m (up 61% from 2Q 2025). Profit margin: 12% (up from 9.3% in 2Q 2025). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 2.0% growth forecast for the Diversified Financial industry in Italy.
공고 • Jan 16Affirm Holdings, Inc. to Report Q2, 2026 Results on Feb 05, 2026Affirm Holdings, Inc. announced that they will report Q2, 2026 results at 4:00 PM, US Eastern Standard Time on Feb 05, 2026