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Affirm Holdings, Inc. AFRM
Technology - Software - Infrastructure - NASDAQ - US
Watchlist
$ 56.15
5.53 %
$ 17.6 B
Market Cap
-39.82
P/E
1. INTRINSIC VALUE

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 commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry.[ Read More ]

The intrinsic value of one AFRM stock under the base case scenario is HIDDEN Compared to the current market price of 56.1 USD, Affirm Holdings, Inc. is HIDDEN

AFRM Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart AFRM

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FINANCIALS
2.32 B REVENUE
46.29%
Growth Rates
1Year 46.29%
3Years 38.71%
5Years 54.44%
7Years 0.00%
10Years 0.00%
-616 M OPERATING INCOME
48.72%
Growth Rates
1Year 48.72%
3Years -23.56%
5Years -43.40%
7Years 0.00%
10Years 0.00%
-518 M NET INCOME
47.45%
Growth Rates
1Year 47.45%
3Years -6.31%
5Years -33.86%
7Years 0.00%
10Years 0.00%
450 M OPERATING CASH FLOW
3595.41%
Growth Rates
1Year 3595.41%
3Years 63.00%
5Years 48.15%
7Years 0.00%
10Years 0.00%
-1.33 B INVESTING CASH FLOW
19.84%
Growth Rates
1Year 19.84%
3Years -9.04%
5Years -30.23%
7Years 0.00%
10Years 0.00%
913 M FINANCING CASH FLOW
-32.36%
Growth Rates
1Year -32.36%
3Years -29.24%
5Years 10.21%
7Years 0.00%
10Years 0.00%
698 M REVENUE
5.96%
Growth Rates
1Year 46.29%
3Years 38.71%
5Years 54.44%
7Years 0.00%
10Years 0.00%
-133 M OPERATING INCOME
-191.11%
Growth Rates
1Year 48.72%
3Years -23.56%
5Years -43.40%
7Years 0.00%
10Years 0.00%
-100 M NET INCOME
-122.04%
Growth Rates
1Year 47.45%
3Years -6.31%
5Years -33.86%
7Years 0.00%
10Years 0.00%
197 M OPERATING CASH FLOW
186.30%
Growth Rates
1Year 3595.41%
3Years 63.00%
5Years 48.15%
7Years 0.00%
10Years 0.00%
-575 M INVESTING CASH FLOW
-6.95%
Growth Rates
1Year 19.84%
3Years -9.04%
5Years -30.23%
7Years 0.00%
10Years 0.00%
466 M FINANCING CASH FLOW
218.99%
Growth Rates
1Year -32.36%
3Years -29.24%
5Years 10.21%
7Years 0.00%
10Years 0.00%
Balance Sheet Decomposition Affirm Holdings, Inc.
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Current Assets 2.51 B
Cash & Short-Term Investments 2.14 B
Receivables 353 M
Other Current Assets 16.5 M
Non-Current Assets 7.73 B
Long-Term Investments 5.77 B
PP&E 450 M
Other Non-Current Assets 1.51 B
Current Liabilities 41 M
Accounts Payable 41 M
Short-Term Debt 16.7 M
Other Current Liabilities -16.7 M
Non-Current Liabilities 6.66 B
Long-Term Debt 6.6 B
Other Non-Current Liabilities 65.1 M
EFFICIENCY
Earnings Waterfall Affirm Holdings, Inc.
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Revenue 2.32 B
Cost Of Revenue 845 M
Gross Profit 1.48 B
Operating Expenses 1.61 B
Operating Income -616 M
Other Expenses -98.1 M
Net Income -518 M
RATIOS
63.62% GROSS MARGIN
63.62%
Averages
1Year 63.62%
3Years 55.30%
5Years 58.84%
7Years 0.00%
10Years 0.00%
-26.51% OPERATING MARGIN
-26.51%
Averages
1Year -26.51%
3Years -53.72%
5Years -42.69%
7Years 0.00%
10Years 0.00%
-22.29% NET MARGIN
-22.29%
Averages
1Year -22.29%
3Years -45.59%
5Years -41.67%
7Years 0.00%
10Years 0.00%
-18.95% ROE
-18.95%
Averages
1Year -18.95%
3Years -28.28%
5Years -14.17%
7Years 0.00%
10Years 0.00%
-5.44% ROA
-5.44%
Averages
1Year -5.44%
3Years -9.22%
5Years -8.91%
7Years 0.00%
10Years 0.00%
-6.65% ROIC
-6.65%
Averages
1Year -6.65%
3Years -11.11%
5Years -10.87%
7Years 0.00%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Affirm Holdings, Inc.
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Net Income -518 M
Depreciation & Amortization 169 M
Capital Expenditures -159 M
Stock-Based Compensation 345 M
Change in Working Capital -63 M
Others 610 M
Free Cash Flow 291 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Affirm Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for AFRM of $41.8 , with forecasts ranging from a low of $20 to a high of $68 .
AFRM Lowest Price Target Wall Street Target
20 USD -64.38%
AFRM Average Price Target Wall Street Target
41.8 USD -25.65%
AFRM Highest Price Target Wall Street Target
68 USD 21.10%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners.

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-31.5 USD
UPST
Overvalued 146.02%

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money.

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0 USD
SOFI
Overvalued 100.00%

Roblox Corporation develops and operates an online entertainment platform. The company offers Roblox Studio, a free toolset that allows developers and creators to build, publish, and operate 3D experiences, and other content; Roblox Client, an application that allows users to explore 3D digital world; Roblox Education for learning experiences; and Roblox Cloud, which provides services and infrastructure that power the human co-experience platform.

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51.3 USD
RBLX
Undervalued 1.12%

Robinhood Markets, Inc. operates financial services platform in the United States. Its platform allows users to invest in stocks, exchange-traded funds (ETFs), options, gold, and cryptocurrencies.

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34 USD
HOOD
Undervalued 5.27%

Snowflake Inc. provides a cloud-based data platform in the United States and internationally. The company's platform offers Data Cloud, which enables customers to consolidate data into a single source of truth to drive meaningful business insights, build data-driven applications, and share data.

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-128 USD
SNOW
Overvalued 201.62%
6. Ownership
Insider Ownership Affirm Holdings, Inc.
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Sold
0-3 MONTHS
23.3 M USD 4
3-6 MONTHS
794 K USD 1
6-9 MONTHS
944 K USD 1
9-12 MONTHS
123 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
6 days ago
Nov 11, 2024
Sell 11 M USD
Adkins Katherine
Chief Legal Officer
- 200000
 55.053 USD
6 days ago
Nov 11, 2024
Sell 5.55 M USD
O'Hare Robert
Chief Financial Officer
- 100938
 55 USD
2 months ago
Sep 17, 2024
Sell 2.1 M USD
Adkins Katherine
Chief Legal Officer
- 46600
 45.0013 USD
2 months ago
Sep 16, 2024
Sell 274 K USD
Adkins Katherine
Chief Legal Officer
- 6084
 45 USD
1 month ago
Sep 18, 2024
Sell 3.7 M USD
Adkins Katherine
Chief Legal Officer
- 82316
 45.0001 USD
2 months ago
Sep 13, 2024
Sell 106 K USD
Watson Noel Bertram
Director
- 2500
 42.44 USD
2 months ago
Sep 12, 2024
Sell 576 K USD
Quarles Christa S
Director
- 14400
 40.02 USD
3 months ago
Aug 01, 2024
Sell 161 K USD
Rabois Keith
Director
- 6081
 26.4123 USD
3 months ago
Aug 01, 2024
Sell 43.8 K USD
Rabois Keith
Director
- 1600
 27.3713 USD
3 months ago
Aug 01, 2024
Sell 45.1 K USD
Rabois Keith
Director
- 1594
 28.2979 USD
4 months ago
Jul 01, 2024
Sell 277 K USD
Rabois Keith
Director
- 9276
 29.89 USD
5 months ago
Jun 03, 2024
Sell 264 K USD
Rabois Keith
Director
- 9176
 28.8164 USD
5 months ago
Jun 03, 2024
Sell 2.98 K USD
Rabois Keith
Director
- 100
 29.8 USD
6 months ago
May 01, 2024
Sell 216 K USD
Rabois Keith
Director
- 6776
 31.811 USD
6 months ago
May 01, 2024
Sell 65.6 K USD
Rabois Keith
Director
- 2000
 32.806 USD
6 months ago
May 01, 2024
Sell 16.7 K USD
Rabois Keith
Director
- 500
 33.478 USD
7 months ago
Apr 01, 2024
Sell 291 K USD
Rabois Keith
Director
- 8276
 35.16 USD
7 months ago
Apr 01, 2024
Sell 32.7 K USD
Rabois Keith
Director
- 900
 36.35 USD
7 months ago
Apr 01, 2024
Sell 3.71 K USD
Rabois Keith
Director
- 100
 37.13 USD
8 months ago
Mar 14, 2024
Sell 112 K USD
Rabois Keith
Director
- 3376
 33.2904 USD
8 months ago
Mar 14, 2024
Sell 117 K USD
Rabois Keith
Director
- 3400
 34.4838 USD
8 months ago
Mar 14, 2024
Sell 70.6 K USD
Rabois Keith
Director
- 2000
 35.2945 USD
8 months ago
Mar 14, 2024
Sell 11.1 K USD
Rabois Keith
Director
- 300
 37.03 USD
8 months ago
Mar 14, 2024
Sell 7.64 K USD
Rabois Keith
Director
- 200
 38.195 USD
10 months ago
Dec 27, 2023
Sell 3.38 M USD
Linford Michael
Chief Financial Officer
- 65000
 52 USD
10 months ago
Dec 19, 2023
Sell 3.25 M USD
Linford Michael
Chief Financial Officer
- 65000
 50 USD
11 months ago
Dec 11, 2023
Sell 5.25 M USD
GIC Private Ltd
10 percent owner
- 135008
 38.8856 USD
11 months ago
Dec 11, 2023
Sell 57.1 M USD
GIC Private Ltd
10 percent owner
- 1438263
 39.6786 USD
11 months ago
Dec 11, 2023
Sell 45.6 M USD
GIC Private Ltd
10 percent owner
- 1133161
 40.2532 USD
11 months ago
Dec 11, 2023
Sell 4.64 M USD
GIC Private Ltd
10 percent owner
- 111866
 41.4622 USD
11 months ago
Dec 11, 2023
Sell 3.74 M USD
GIC Private Ltd
10 percent owner
- 88293
 42.3688 USD
1 year ago
Jul 05, 2023
Sell 3.14 M USD
GIC Private Ltd
10 percent owner
- 203905
 15.42 USD
1 year ago
Apr 03, 2023
Sell 193 K USD
Rabois Keith
Director
- 17286
 11.1484 USD
1 year ago
Mar 01, 2023
Sell 211 K USD
Rabois Keith
Director
- 16587
 12.739 USD
1 year ago
Mar 01, 2023
Sell 9.37 K USD
Rabois Keith
Director
- 700
 13.3871 USD
1 year ago
Feb 01, 2023
Sell 175 K USD
Rabois Keith
Director
- 10800
 16.1948 USD
1 year ago
Feb 01, 2023
Sell 78.2 K USD
Rabois Keith
Director
- 4487
 17.4192 USD
1 year ago
Feb 01, 2023
Sell 35.7 K USD
Rabois Keith
Director
- 2000
 17.8635 USD
1 year ago
Jan 03, 2023
Sell 149 K USD
Rabois Keith
Director
- 16287
 9.1301 USD
1 year ago
Jan 03, 2023
Sell 10.1 K USD
Rabois Keith
Director
- 1000
 10.07 USD
1 year ago
Dec 01, 2022
Sell 247 K USD
Rabois Keith
Director
- 17287
 14.2682 USD
2 years ago
Nov 01, 2022
Sell 283 K USD
Rabois Keith
Director
- 14269
 19.8491 USD
2 years ago
Nov 01, 2022
Sell 58.9 K USD
Rabois Keith
Director
- 2818
 20.9021 USD
2 years ago
Nov 01, 2022
Sell 4.31 K USD
Rabois Keith
Director
- 200
 21.545 USD
2 years ago
Apr 29, 2022
Bought 117 K USD
GIC Private Ltd
10 percent owner
+ 3898
 30 USD
2 years ago
Apr 28, 2022
Bought 845 K USD
GIC Private Ltd
10 percent owner
+ 28038
 30.13 USD
2 years ago
Apr 27, 2022
Bought 5.38 M USD
GIC Private Ltd
10 percent owner
+ 181864
 29.6 USD
2 years ago
Apr 25, 2022
Bought 6.39 M USD
GIC Private Ltd
10 percent owner
+ 200000
 31.95 USD
2 years ago
Apr 25, 2022
Bought 16.1 M USD
GIC Private Ltd
10 percent owner
+ 500000
 32.29 USD
2 years ago
Apr 22, 2022
Bought 2.38 M USD
GIC Private Ltd
10 percent owner
+ 76400
 31.16 USD
2 years ago
Apr 22, 2022
Bought 8.44 M USD
GIC Private Ltd
10 percent owner
+ 270000
 31.26 USD
2 years ago
Apr 22, 2022
Bought 2.59 M USD
GIC Private Ltd
10 percent owner
+ 80000
 32.4 USD
2 years ago
Apr 22, 2022
Bought 12.2 M USD
GIC Private Ltd
10 percent owner
+ 373600
 32.63 USD
2 years ago
Apr 21, 2022
Bought 21.6 M USD
GIC Private Ltd
10 percent owner
+ 650000
 33.2 USD
2 years ago
Apr 21, 2022
Bought 769 K USD
GIC Private Ltd
10 percent owner
+ 23600
 32.57 USD
2 years ago
Apr 21, 2022
Bought 3.8 M USD
GIC Private Ltd
10 percent owner
+ 110000
 34.56 USD
2 years ago
Apr 21, 2022
Bought 10.2 M USD
GIC Private Ltd
10 percent owner
+ 308138
 33.22 USD
2 years ago
Apr 20, 2022
Bought 23.3 M USD
GIC Private Ltd
10 percent owner
+ 669175
 34.89 USD
2 years ago
Apr 20, 2022
Bought 7.25 M USD
GIC Private Ltd
10 percent owner
+ 207722
 34.91 USD
2 years ago
Apr 20, 2022
Bought 173 K USD
GIC Private Ltd
10 percent owner
+ 4993
 34.66 USD
2 years ago
Apr 19, 2022
Bought 4.69 M USD
GIC Private Ltd
10 percent owner
+ 134197
 34.98 USD
7. News
Analysts Can't Stop Upgrading This Consumer Finance Stock. Is it Time to Buy? This buy now, pay later company is growing nicely and could benefit from tailwinds that could make it profitable in the near future. fool.com - 2 days ago
Delving Beyond Affirm's Q1 Earnings: Should You Buy the Stock? AFRM is well-poised to benefit from growing merchant network revenues, strength in its AI-driven platform and a booming BNPL market. zacks.com - 3 days ago
Visa teams up with Affirm to launch card for flexible payments in US Visa is partnering with fintech company Affirm to roll out a card in the U.S. that customers can use for both debit transactions and buy now, pay later purchases, reflecting the growing demand for flexibility in payment options. reuters.com - 4 days ago
Is Trending Stock Affirm Holdings, Inc. (AFRM) a Buy Now? Zacks.com users have recently been watching Affirm Holdings (AFRM) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects. zacks.com - 5 days ago
3 Top Fintech Stocks to Buy in November Robinhood, Upstart, and Affirm are positioned to head higher. fool.com - 1 week ago
Consumer has been 'consistent' and 'engaged': Affirm COO Despite revenue climbing 41% annually in its fiscal first quarter earnings, shares of Affirm Holdings (AFRM) are under pressure in Friday's session. Catalysts welcomes Affirm COO Michael Linford to talk more about the company's performance and operating profit from its latest quarter. youtube.com - 1 week ago
Affirm Holdings Q1 Loss Narrower-Than-Expected, 2025 GMV View Up AFRM's fiscal first-quarter results benefit from higher transactions and gross merchandise volume. Higher expenses partially offset the results. zacks.com - 1 week ago
Volatile FinTech Stocks Highlight Promise, Perils of Financial Services' Digital Makeover On Wall Street, what goes up must go down, and vice versa. A momentous week with a seesaw of volatility in the markets could be rightly chalked up to the seismic shifts from elections Tuesday (Nov. 5). pymnts.com - 1 week ago
Affirm Sees Strong Gains The buy-now, pay later giant Affirm reporting a better-than-expected first quarter. Founder and CEO Max Levchin joined Bloomberg Open Interest to talk about the results and what's ahead for the holiday season. youtube.com - 1 week ago
Affirm Stock Falls After ‘Drama-Free Quarter.' Here's Why. The buy now, pay later firm flies past quarterly estimates and sees gross merchandise volume soar 35% from a year prior. barrons.com - 1 week ago
Affirm CEO Says They Own Half of US Pay Later Revenue “It was another killer quarter,” Affirm CEO Max Levchin said on the buy now, pay later (BNPL) provider's fiscal first quarter conference call Thursday (Nov. 7) after the markets closed. Levchin noted Affirm has a third of the volume and more than half of the revenue in the U.S. pymnts.com - 1 week ago
Affirm Holdings (AFRM) Reports Q1 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Affirm Holdings (AFRM) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 week ago
8. Profile Summary

Affirm Holdings, Inc. AFRM

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COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 17.6 B
Dividend Yield 0.00%
Description 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 commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.
Contact 650 California Street, San Francisco, CA, 94108 https://www.affirm.com
IPO Date Jan. 13, 2021
Employees 2006
Officers Ms. Katherine Adkins Esq. Chief Legal & Compliance Officer and Secretary Dr. Wayne Pommen Ph.D. Chief Revenue Officer Pat Suh Senior Vice President of Revenue Mr. Geddes Munson Senior Vice President of Engineering Mr. Libor Michalek President & Director Mr. Max Roth Levchin Founder, Chief Executive Officer & Chairman