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Technology - Software - Infrastructure - NASDAQ - US
$ 69.19
1.2 %
$ 22.3 B
Market Cap
-364.16
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 7, 2025.

The intrinsic value of one AFRM stock under the worst case scenario is HIDDEN Compared to the current market price of 69.2 USD, Affirm Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 7, 2025.

The intrinsic value of one AFRM stock under the base case scenario is HIDDEN Compared to the current market price of 69.2 USD, Affirm Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 7, 2025.

The intrinsic value of one AFRM stock under the best case scenario is HIDDEN Compared to the current market price of 69.2 USD, Affirm Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart AFRM

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$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.0$55.0$55.0$50.0$50.0$45.0$45.0$40.0$40.0$35.0$35.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
2.32 B REVENUE
46.29%
-616 M OPERATING INCOME
48.72%
-518 M NET INCOME
47.45%
450 M OPERATING CASH FLOW
3595.41%
-1.33 B INVESTING CASH FLOW
19.84%
913 M FINANCING CASH FLOW
-32.36%
783 M REVENUE
-9.61%
-8.39 M OPERATING INCOME
-94.19%
2.8 M NET INCOME
-96.51%
210 M OPERATING CASH FLOW
-32.57%
35.5 M INVESTING CASH FLOW
139.88%
-246 M FINANCING CASH FLOW
-170.41%
Balance Sheet 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 7.01 B
Long-Term Investments 5.5 B
PP&E 450 M
Other Non-Current Assets 1.05 B
22.53 %3.71 %57.81 %4.72 %11.06 %Total Assets$9.5b
Current Liabilities 159 M
Accounts Payable 41 M
Short-Term Debt 16.7 M
Other Current Liabilities 102 M
Non-Current Liabilities 6.66 B
Long-Term Debt 6.6 B
Other Non-Current Liabilities 65.1 M
96.71 %Total Liabilities$6.8b
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 2.09 B
Operating Income -616 M
Other Expenses -98.1 M
Net Income -518 M
3b3b2b2b2b2b1b1b500m500m00(500m)(500m)(1b)(1b)2b(845m)1b(2b)(616m)98m(518m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
63.62% GROSS MARGIN
63.62%
-26.51% OPERATING MARGIN
-26.51%
-22.29% NET MARGIN
-22.29%
-18.95% ROE
-18.95%
-5.44% ROA
-5.44%
-6.60% ROIC
-6.60%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Affirm Holdings, Inc.
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300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)202020202021202120222022202320232024202420252025
Net Income -518 M
Depreciation & Amortization 169 M
Capital Expenditures -159 M
Stock-Based Compensation 345 M
Change in Working Capital -62.4 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 $54.7 , with forecasts ranging from a low of $20 to a high of $82 .
AFRM Lowest Price Target Wall Street Target
20 USD -71.09%
AFRM Average Price Target Wall Street Target
54.7 USD -20.89%
AFRM Highest Price Target Wall Street Target
82 USD 18.51%
Price
Max Price Target
Min Price Target
Average Price Target
90908080707060605050404030302020Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Affirm Holdings, Inc.
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Sold
0-3 MONTHS
1.02 M USD 3
3-6 MONTHS
3.24 M USD 3
6-9 MONTHS
96.7 M USD 7
9-12 MONTHS
7.01 M USD 4
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
7. News
Why Affirm Holdings (AFRM) is a Top Momentum Stock for the Long-Term Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores. zacks.com - 2 weeks ago
Affirm Holdings (AFRM) Laps the Stock Market: Here's Why Affirm Holdings (AFRM) closed at $69.19 in the latest trading session, marking a +1.2% move from the prior day. zacks.com - 2 weeks ago
Rumors of the demise of the American consumer are exaggerated, says Affirm CEO Max Levchin Max Levchin, Affirm CEO, joins 'Closing Bell Overtime' to talk the health of consumer credit, the inclusion of Buy Now Pay Later loans in FICO scores, and more. youtube.com - 2 weeks ago
Can Xsolla Help Affirm Gain an Edge in Gaming Payments? AFRM partners with Xsolla to embed flexible BNPL options in gaming checkouts, targeting a tech-savvy audience. zacks.com - 3 weeks ago
Looking for Fintech Growth? Here's How Affirm and SoFi Stack Up AFRM edges ahead of SOFI with stronger earnings momentum, liquidity and a deepening capital partner network. zacks.com - 3 weeks ago
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know 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 - 3 weeks ago
Is Affirm Holdings (AFRM) a Buy as Wall Street Analysts Look Optimistic? The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price. zacks.com - 3 weeks ago
Will Affirm's Auto Move With Shopmonkey Fuel More Repeat Users? AFRM partners with Shopmonkey to bring pay-over-time options to auto repairs, targeting repeat users and steady spending. zacks.com - 3 weeks ago
Xsolla and Affirm partner to help game developers offer players a smarter, more flexible way to pay LOS ANGELES--(BUSINESS WIRE)--Xsolla, a global leader in video game commerce, today announced a new partnership with Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth. Through this partnership, Affirm's transparent and flexible payment options are now available to game developers using Xsolla's payments tools in the U.S., with plans to expand to Canada and the UK in the coming months. Xsolla powers checkouts for thousands of game developers, and. businesswire.com - 3 weeks ago
Affirm: Set For A Breakout (Rating Upgrade) Affirm Holdings is nearing GAAP operating profitability, driven by strong gross merchandise volume growth and improving customer monetization. The expanding BNPL and e-commerce markets provide a significant run-way for Affirm's continued growth and valuation upside. Affirm's high valuation is justified by its rapid progress toward profitability and the potential for further revaluation as the business scales. seekingalpha.com - 3 weeks ago
Affirm Forms Pay-Later Deal With Car Repair Platform Shopmokey Auto shop management platform Shopmonkey has added Affirm as a pay-later provider. [contact-form-7] This arrangement, announced Wednesday (June 25), makes Affirm a default payment method for car repair shops that use Shopmonkey's payment processing solution, letting them offer pay-over-time financing. pymnts.com - 3 weeks ago
Can Strategic Funding Deals Keep Affirm Ahead in the BNPL Space? AFRM extends its key funding deal with MSC through 2027, reinforcing growth and stability in the BNPL market. zacks.com - 3 weeks ago
8. Profile Summary

Affirm Holdings, Inc. AFRM

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COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 22.3 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 Mr. Libor Michalek President & Director Mr. Michael A. Linford Chief Operating Officer Ms. Brooke E. Major-Reid Chief Capital Officer Ms. Katherine Adkins Esq. Chief Legal & Compliance Officer and Secretary Mr. Robert W. O'Hare Chief Financial Officer Ms. Siphelele Jiyane Chief Accounting Officer Dr. Wayne Pommen Ph.D. Chief Revenue Officer Pat Suh Senior Vice President of Revenue Mr. Zane Keller C.F.A., CFA Head of Investor Relations Mr. Max Roth Levchin Founder, Chief Executive Officer & Chairman