Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. More Details
Limited growth with imperfect balance sheet.
Share Price & News
How has Affirm Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AFRM is more volatile than 90% of US stocks over the past 3 months, typically moving +/- 19% a week.
Volatility Over Time: AFRM's weekly volatility (19%) has been stable over the past year, but is still higher than 75% of US stocks.
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how AFRM performed against the US IT industry.
Return vs Market: Insufficient data to determine how AFRM performed against the US Market.
Long-Term Price Volatility Vs. Market
How volatile is Affirm Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StAffirm (NASDAQ:AFRM) set a Low Bar for its Q4 Report. Here is What Will Actually Drive High Growth
1 month ago | Simply Wall StWhat You Need To Know About Affirm Holdings, Inc.'s (NASDAQ:AFRM) Investor Composition
2 months ago | Simply Wall StAffirm Holdings, Inc. (NASDAQ:AFRM) Insiders Increased Their Holdings
Is Affirm Holdings undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: AFRM ($117.58) is trading above our estimate of fair value ($18.7)
Significantly Below Fair Value: AFRM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AFRM is unprofitable, so we can't compare its PE Ratio to the US IT industry average.
PE vs Market: AFRM is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AFRM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: AFRM is overvalued based on its PB Ratio (12.3x) compared to the US IT industry average (5.5x).
How is Affirm Holdings forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AFRM is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: AFRM is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: AFRM is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: AFRM's revenue (29.5% per year) is forecast to grow faster than the US market (9.7% per year).
High Growth Revenue: AFRM's revenue (29.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AFRM is forecast to be unprofitable in 3 years.
How has Affirm Holdings performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: AFRM is currently unprofitable.
Growing Profit Margin: AFRM is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if AFRM's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare AFRM's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: AFRM is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (28%).
Return on Equity
High ROE: AFRM has a negative Return on Equity (-16.69%), as it is currently unprofitable.
How is Affirm Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: AFRM's short term assets ($1.8B) exceed its short term liabilities ($378.5M).
Long Term Liabilities: AFRM's short term assets ($1.8B) do not cover its long term liabilities ($1.9B).
Debt to Equity History and Analysis
Debt Level: AFRM's debt to equity ratio (73.9%) is considered high.
Reducing Debt: Insufficient data to determine if AFRM's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: AFRM has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if AFRM has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.
What is Affirm Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AFRM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AFRM's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if AFRM's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AFRM's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of AFRM's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Max Levchin (45 yo)
Mr. Max Roth Levchin serves as Founder, President, Chairman & CEO at Hard Valuable Fun. He founded Affirm, Inc. in 2013 and serves as its Chief Executive Officer & Director. He is a Founder of Affirm Holdi...
CEO Compensation Analysis
Compensation vs Market: Max's total compensation ($USD10.00K) is below average for companies of similar size in the US market ($USD11.33M).
Compensation vs Earnings: Insufficient data to compare Max's compensation with company performance.
Experienced Management: AFRM's management team is considered experienced (2.8 years average tenure).
Experienced Board: AFRM's board of directors are considered experienced (7.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: AFRM only recently listed within the past 12 months.
Affirm Holdings, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Affirm Holdings, Inc.
- Ticker: AFRM
- Exchange: NasdaqGS
- Founded: 2012
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: US$31.671b
- Shares outstanding: 269.36m
- Website: https://www.affirm.com
Number of Employees
- Affirm Holdings, Inc.
- 650 California Street
- San Francisco
- United States
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company’s platform includes point-of-sale payment solution for consumers, merchant comme...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/16 22:58|
|End of Day Share Price||2021/09/16 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.