/AFRM
Affirm Holdings, Inc.
AFRM • NASDAQAFRM • NASDAQ • Technology
$51.70-1.52%-0.80
$51.70-1.52%(-0.80)Technology
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
0High Risk
Momentum
7Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
67.5%▲3.9pp
Revenue after COGS
Operating
-2.7%▲23.8pp
After operating expenses
Net
1.6%▲23.9pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
427.7
Price vs earnings
EV/EBITDA
40.5
Enterprise value
FCF Yield
2.7%
Cash generation
Earnings Yield
0.2%
Inverse of P/E
Capital Efficiency
0
GoAI Quality ScoreWeak
ROEReturn on Equity
1.7%Fair
ROAReturn on Assets
0.5%Fair
ROICReturn on Invested Capital
-0.7%Weak
Financial Health
Current RatioHealthy
54.19
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
9.13x
Debt repayment capacity (<3x)
Income QualityStrong
15.21
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $3.22B | $2.32B | $1.59B | $1.35B | $870.46M |
| Gross Profit | $2.18B | $1.48B | $714.82M | $772.84M | $547.55M |
| Gross Margin | 67.5% | 63.6% | 45.0% | 57.3% | 62.9% |
| Operating Income | -$87.27M | -$615.85M | -$1.20B | -$866.05M | -$383.67M |
| Net Income | $52.19M | -$517.76M | -$985.35M | -$707.42M | -$441.03M |
| Net Margin | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% |
| EPS | $0.16 | -$1.67 | -$3.34 | -$2.51 | -$1.64 |
Average Price Target
$82.93▲ 60.4% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Affirm Holdings, Inc., the average price target is $82.93, with a high forecast of $101.00 and a low forecast of $55.00. The average price target represents a 60.4% increase from the current price of $51.70.
Highest
$101.00
Average
$82.93
Lowest
$55.00
Rating Distribution
Strong Buy
0
0%
Buy
21
66%
Hold
10
31%
Sell
1
3%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Truist Securities● Maintain
Buy
2026-02-20Mizuho● Maintain
Outperform
2026-02-09Cantor Fitzgerald● Maintain
Overweight
2026-02-09RBC Capital● Maintain
Sector Perform
2026-02-06Needham● Maintain
Buy
2026-02-06Stephens & Co.● Maintain
Equal Weight
2026-02-06Oppenheimer● Maintain
Outperform
2026-02-06JP Morgan● Maintain
Overweight
2026-02-06Morgan Stanley▲ Upgrade
Equal Weight→Overweight
2026-02-03Needham▲ Upgrade
Hold→Buy
2026-01-27Earnings History & Surprises
BEAT RATE
67%
Last 18 quarters
AVG SURPRISE
+40.8%
EPS vs Estimate
BEATS / MISSES
12/6
Last 18 quarters
LATEST EPS
$0.37
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+32.1%
$0.37 vs $0.28
Q4 '25
+105.2%
$0.23 vs $0.11
Q3 '25
+61.9%
$0.20 vs $0.12
Q2 '25
+258.2%
$0.01 vs $-0.01
Q1 '25
+209.5%
$0.23 vs $-0.21
Q4 '24
+8.8%
$-0.31 vs $-0.34
Q3 '24
+70.9%
$-0.14 vs $-0.48
Q2 '24
+38.4%
$-0.43 vs $-0.70
Q1 '24
-50.0%
$0.04 vs $0.08
Q4 '23
+18.6%
$-0.57 vs $-0.70
Q3 '23
+19.8%
$-0.69 vs $-0.86
Q2 '23
+24.2%
$-0.69 vs $-0.91
No investor questions available.
Latest News
No news available