image
Technology - Software - Infrastructure - NASDAQ - US
$ 44.815
-3 %
$ 14.3 B
Market Cap
-72.28
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one AFRM stock under the worst case scenario is HIDDEN Compared to the current market price of 44.8 USD, Affirm Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one AFRM stock under the base case scenario is HIDDEN Compared to the current market price of 44.8 USD, Affirm Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one AFRM stock under the best case scenario is HIDDEN Compared to the current market price of 44.8 USD, Affirm Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart AFRM

image
$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 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 Mar
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%
866 M REVENUE
24.04%
-4.32 M OPERATING INCOME
96.74%
80.4 M NET INCOME
180.18%
312 M OPERATING CASH FLOW
58.49%
-89.1 M INVESTING CASH FLOW
84.51%
144 M FINANCING CASH FLOW
-69.05%
Balance Sheet Affirm Holdings, Inc.
image
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 5.5 B
PP&E 450 M
Other Non-Current Assets 1.78 B
20.93 %3.45 %53.71 %4.39 %17.37 %Total Assets$10.2b
Current Liabilities 125 M
Accounts Payable 41 M
Short-Term Debt 16.7 M
Other Current Liabilities 67.2 M
Non-Current Liabilities 6.66 B
Long-Term Debt 6.6 B
Other Non-Current Liabilities 65.1 M
97.20 %Total Liabilities$6.8b
EFFICIENCY
Earnings Waterfall Affirm Holdings, Inc.
image
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%
-6.10% ROIC
-6.10%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Affirm Holdings, Inc.
image
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.
image
Wall Street analysts predict an average 1-year price target for AFRM of $49.9 , with forecasts ranging from a low of $20 to a high of $82 .
AFRM Lowest Price Target Wall Street Target
20 USD -55.37%
AFRM Average Price Target Wall Street Target
49.9 USD 11.31%
AFRM Highest Price Target Wall Street Target
82 USD 82.97%
Price
Max Price Target
Min Price Target
Average Price Target
90908080707060605050404030302020May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Affirm Holdings, Inc.
image
Sold
0-3 MONTHS
4.13 M USD 4
3-6 MONTHS
95.1 M USD 7
6-9 MONTHS
7.28 M USD 4
9-12 MONTHS
893 K USD 1
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
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Affirm Holdings, Inc - AFRM NEW YORK CITY, NY / ACCESS Newswire / March 23, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ:AFRM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 1 week ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Affirm Holdings, Inc - AFRM NEW YORK CITY, NY / ACCESS Newswire / March 23, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ:AFRM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 1 week ago
Affirm Stock: Should You Buy the Dip After Walmart Setback? Affirm Holdings Inc. NASDAQ: AFRM, a major player in the Buy Now, Pay Later (BNPL) sector, recently experienced stock market volatility due to Walmart's NYSE: WMT decision to replace them with Klarna as its exclusive BNPL provider. marketbeat.com - 1 week ago
Shareholders That Lost Money on Affirm Holdings, Inc. (AFRM) Should Contact Levi & Korsinsky about Securities Fraud Investigation - AFRM NEW YORK, NY / ACCESS Newswire / March 21, 2025 / Levi & Korsinsky notifies investors that it has commenced an investigation of Affirm Holdings, Inc. ("Affirm Holdings, Inc.") (NASDAQ:AFRM) concerning possible violations of federal securities laws. On March 17, 2025, the fintech company Klarna, in advance of its initial public offering in the U.S., announced that it was replacing Affirm as the exclusive provider of Buy Now, Pay Later ("BNPL") loans for Walmart. accessnewswire.com - 2 weeks ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Affirm Holdings, Inc - AFRM NEW YORK CITY, NY / ACCESS Newswire / March 21, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ:AFRM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 2 weeks ago
Bronstein, Gewirtz & Grossman, LLC Announces an Investigation Against Affirm Holdings, Inc. (AFRM) and Encourages Stockholders to Learn More About the Investigation NEW YORK CITY, NY / ACCESS Newswire / March 21, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Affirm Holdings, Inc. ("Affirm" or "the Company") (NASDAQ:AFRM). Investors who purchased Affirm securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/AFRM. accessnewswire.com - 2 weeks ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Affirm Holdings, Inc - AFRM NEW YORK CITY, NY / ACCESS Newswire / March 21, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ:AFRM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 2 weeks ago
Affirm Holdings (AFRM) Ascends While Market Falls: Some Facts to Note In the latest trading session, Affirm Holdings (AFRM) closed at $47.95, marking a +0.5% move from the previous day. zacks.com - 2 weeks ago
Affirm CEO: We're a replacement for credit cards, not debit cards Affirm CEO Max Levchin joins 'Closing Bell Overtime' to discuss competition with Klarna, which just partnered with Walmart, in a CNBC exclusive. youtube.com - 2 weeks ago
Affirm Expands U.K. Presence With Adyen & Enhances Credit Reporting AFRM strengthens its global reach with Adyen's U.K. expansion and enhances credit reporting with Experian. zacks.com - 2 weeks ago
Investors Who Lost Money on Affirm Holdings, Inc. Should Contact Levi & Korsinsky About An Ongoing Investigation - AFRM NEW YORK, NY / ACCESS Newswire / March 20, 2025 / Levi & Korsinsky notifies investors that it has commenced an investigation of Affirm Holdings, Inc. ("Affirm Holdings, Inc.") (NASDAQ:AFRM) concerning possible violations of federal securities laws. On March 17, 2025, the fintech company Klarna, in advance of its initial public offering in the U.S., announced that it was replacing Affirm as the exclusive provider of Buy Now, Pay Later ("BNPL") loans for Walmart. accessnewswire.com - 2 weeks ago
Bronstein, Gewirtz & Grossman, LLC Encourages Affirm Holdings, Inc. (AFRM) Investors to Inquire about Securities Investigation NEW YORK CITY, NY / ACCESS Newswire / March 20, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Affirm Holdings, Inc. ("Affirm" or "the Company") (NASDAQ:AFRM). Investors who purchased Affirm securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/AFRM. accessnewswire.com - 2 weeks ago
8. Profile Summary

Affirm Holdings, Inc. AFRM

image
COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 14.3 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. Zane Keller C.F.A., CFA Head of Investor Relations Mr. Michael A. Linford Chief Operating Officer Mr. Robert W. O'Hare Chief Financial Officer Siphelele Jiyane Chief Accounting Officer Ms. Brooke E. Major-Reid Chief Capital Officer Dr. Wayne Pommen Ph.D. Chief Revenue Officer Ms. Katherine Adkins Esq. Chief Legal & Compliance Officer and Secretary Pat Suh Senior Vice President of Revenue Mr. Max Roth Levchin Founder, Chief Executive Officer & Chairman