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Technology - Software - Infrastructure - NASDAQ - US
$ 57.99
-0.0172 %
$ 18.2 B
Market Cap
-41.13
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 17, 2025.

The intrinsic value of one AFRM stock under the worst case scenario is HIDDEN Compared to the current market price of 58 USD, Affirm Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 17, 2025.

The intrinsic value of one AFRM stock under the base case scenario is HIDDEN Compared to the current market price of 58 USD, Affirm Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 17, 2025.

The intrinsic value of one AFRM stock under the best case scenario is HIDDEN Compared to the current market price of 58 USD, Affirm Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS
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%
698 M REVENUE
5.96%
-133 M OPERATING INCOME
-191.11%
-100 M NET INCOME
-122.04%
197 M OPERATING CASH FLOW
186.30%
-575 M INVESTING CASH FLOW
-6.95%
466 M FINANCING CASH FLOW
218.99%
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 7.73 B
Long-Term Investments 5.5 B
PP&E 450 M
Other Non-Current Assets 1.78 B
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
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
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%
-6.65% ROIC
-6.65%
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 -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 $47.7 , with forecasts ranging from a low of $20 to a high of $82 .
AFRM Lowest Price Target Wall Street Target
20 USD -65.51%
AFRM Average Price Target Wall Street Target
47.7 USD -17.77%
AFRM Highest Price Target Wall Street Target
82 USD 41.40%
4. DIVIDEND ANALYSIS
5. COMPETITION
6. Ownership
Insider Ownership Affirm Holdings, Inc.
image
Sold
0-3 MONTHS
96.5 M USD 7
3-6 MONTHS
7.01 M USD 4
6-9 MONTHS
843 K USD 1
9-12 MONTHS
646 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
Date Value Insider Amount Avg Price
2 weeks ago
Jan 02, 2025
Sell 146 K USD
O'Hare Robert
Chief Financial Officer
- 2358
61.87 USD
2 weeks ago
Jan 02, 2025
Sell 249 K USD
O'Hare Robert
Chief Financial Officer
- 3983
62.46 USD
2 weeks ago
Jan 02, 2025
Sell 12.7 K USD
O'Hare Robert
Chief Financial Officer
- 200
63.49 USD
2 weeks ago
Jan 02, 2025
Sell 464 K USD
Rabois Keith
Director
- 7500
61.87 USD
2 weeks ago
Jan 02, 2025
Sell 420 K USD
Rabois Keith
Director
- 6723
62.51 USD
2 weeks ago
Jan 02, 2025
Sell 118 K USD
Rabois Keith
Director
- 1863
63.41 USD
1 month ago
Dec 16, 2024
Sell 28.1 K USD
Watson Noel Bertram
Director
- 400
70.27 USD
1 month ago
Dec 16, 2024
Sell 42.9 K USD
Watson Noel Bertram
Director
- 600
71.57 USD
1 month ago
Dec 16, 2024
Sell 72.5 K USD
Watson Noel Bertram
Director
- 1000
72.53 USD
1 month ago
Dec 16, 2024
Sell 36.6 K USD
Watson Noel Bertram
Director
- 500
73.11 USD
1 month ago
Dec 12, 2024
Sell 324 K USD
Rabois Keith
Director
- 4749
68.2 USD
1 month ago
Dec 12, 2024
Sell 575 K USD
Rabois Keith
Director
- 8337
69 USD
1 month ago
Dec 12, 2024
Sell 182 K USD
Rabois Keith
Director
- 2600
70.01 USD
1 month ago
Dec 12, 2024
Sell 28.5 K USD
Rabois Keith
Director
- 400
71.24 USD
1 month ago
Dec 13, 2024
Sell 34.3 K USD
Quarles Christa S
Director
- 500
68.56 USD
1 month ago
Dec 13, 2024
Sell 115 K USD
Quarles Christa S
Director
- 1653
69.78 USD
1 month ago
Dec 13, 2024
Sell 31.1 K USD
Quarles Christa S
Director
- 440
70.75 USD
1 month ago
Dec 12, 2024
Sell 6.89 M USD
Linford Michael
Chief Operating Officer
- 101088
68.17 USD
1 month ago
Dec 12, 2024
Sell 15.3 M USD
Linford Michael
Chief Operating Officer
- 222507
68.96 USD
1 month ago
Dec 12, 2024
Sell 4.53 M USD
Linford Michael
Chief Operating Officer
- 64653
70 USD
1 month ago
Dec 12, 2024
Sell 835 K USD
Linford Michael
Chief Operating Officer
- 11752
71.03 USD
1 month ago
Dec 04, 2024
Sell 6.72 M USD
Michalek Libor
President
- 93371
72 USD
1 month ago
Dec 02, 2024
Sell 744 K USD
O'Hare Robert
Chief Financial Officer
- 10932
68.05 USD
1 month ago
Dec 02, 2024
Sell 62 K USD
O'Hare Robert
Chief Financial Officer
- 900
68.91 USD
1 month ago
Dec 02, 2024
Sell 70.3 K USD
O'Hare Robert
Chief Financial Officer
- 1000
70.27 USD
1 month ago
Dec 02, 2024
Sell 7.08 K USD
O'Hare Robert
Chief Financial Officer
- 100
70.75 USD
1 month ago
Dec 02, 2024
Sell 74.3 K USD
O'Hare Robert
Chief Financial Officer
- 1033
71.89 USD
1 month ago
Dec 02, 2024
Sell 478 K USD
Michalek Libor
President
- 6629
72.08 USD
1 month ago
Nov 29, 2024
Sell 199 K USD
Michalek Libor
President
- 2847
70 USD
1 month ago
Nov 22, 2024
Sell 6.81 M USD
Michalek Libor
President
- 100000
68.09 USD
1 month ago
Nov 22, 2024
Sell 57.5 K USD
Michalek Libor
President
- 821
70 USD
1 month ago
Nov 25, 2024
Sell 6.74 M USD
Michalek Libor
President
- 96332
70.01 USD
1 month ago
Nov 21, 2024
Sell 1.94 M USD
O'Hare Robert
Chief Financial Officer
- 29840
65.01 USD
1 month ago
Nov 22, 2024
Sell 785 K USD
O'Hare Robert
Chief Financial Officer
- 11218
70 USD
1 month ago
Nov 25, 2024
Sell 5.53 M USD
O'Hare Robert
Chief Financial Officer
- 79039
70.01 USD
1 month ago
Nov 21, 2024
Sell 758 K USD
Michalek Libor
President
- 11847
64 USD
1 month ago
Nov 20, 2024
Sell 4.94 M USD
Michalek Libor
President
- 77105
64.08 USD
1 month ago
Nov 21, 2024
Sell 6.6 M USD
Michalek Libor
President
- 100000
66.01 USD
2 months ago
Nov 18, 2024
Sell 6.2 M USD
Michalek Libor
President
- 100000
62 USD
1 month ago
Nov 19, 2024
Sell 707 K USD
Michalek Libor
President
- 11048
64 USD
2 months ago
Nov 11, 2024
Sell 11 M USD
Adkins Katherine
Chief Legal Officer
- 200000
55.053 USD
2 months ago
Nov 11, 2024
Sell 5.55 M USD
O'Hare Robert
Chief Financial Officer
- 100938
55 USD
4 months ago
Sep 16, 2024
Sell 274 K USD
Adkins Katherine
Chief Legal Officer
- 6084
45 USD
4 months ago
Sep 17, 2024
Sell 2.1 M USD
Adkins Katherine
Chief Legal Officer
- 46600
45.0013 USD
4 months ago
Sep 18, 2024
Sell 3.7 M USD
Adkins Katherine
Chief Legal Officer
- 82316
45.0001 USD
4 months ago
Sep 13, 2024
Sell 106 K USD
Watson Noel Bertram
Director
- 2500
42.44 USD
4 months ago
Sep 12, 2024
Sell 576 K USD
Quarles Christa S
Director
- 14400
40.02 USD
5 months ago
Aug 01, 2024
Sell 161 K USD
Rabois Keith
Director
- 6081
26.4123 USD
5 months ago
Aug 01, 2024
Sell 43.8 K USD
Rabois Keith
Director
- 1600
27.3713 USD
5 months ago
Aug 01, 2024
Sell 45.1 K USD
Rabois Keith
Director
- 1594
28.2979 USD
6 months ago
Jul 01, 2024
Sell 277 K USD
Rabois Keith
Director
- 9276
29.89 USD
7 months ago
Jun 03, 2024
Sell 264 K USD
Rabois Keith
Director
- 9176
28.8164 USD
7 months ago
Jun 03, 2024
Sell 2.98 K USD
Rabois Keith
Director
- 100
29.8 USD
8 months ago
May 01, 2024
Sell 216 K USD
Rabois Keith
Director
- 6776
31.811 USD
8 months ago
May 01, 2024
Sell 65.6 K USD
Rabois Keith
Director
- 2000
32.806 USD
8 months ago
May 01, 2024
Sell 16.7 K USD
Rabois Keith
Director
- 500
33.478 USD
9 months ago
Apr 01, 2024
Sell 291 K USD
Rabois Keith
Director
- 8276
35.16 USD
9 months ago
Apr 01, 2024
Sell 32.7 K USD
Rabois Keith
Director
- 900
36.35 USD
9 months ago
Apr 01, 2024
Sell 3.71 K USD
Rabois Keith
Director
- 100
37.13 USD
10 months ago
Mar 14, 2024
Sell 112 K USD
Rabois Keith
Director
- 3376
33.2904 USD
10 months ago
Mar 14, 2024
Sell 117 K USD
Rabois Keith
Director
- 3400
34.4838 USD
10 months ago
Mar 14, 2024
Sell 70.6 K USD
Rabois Keith
Director
- 2000
35.2945 USD
10 months ago
Mar 14, 2024
Sell 11.1 K USD
Rabois Keith
Director
- 300
37.03 USD
10 months ago
Mar 14, 2024
Sell 7.64 K USD
Rabois Keith
Director
- 200
38.195 USD
1 year ago
Dec 27, 2023
Sell 3.38 M USD
Linford Michael
Chief Financial Officer
- 65000
52 USD
1 year ago
Dec 19, 2023
Sell 3.25 M USD
Linford Michael
Chief Financial Officer
- 65000
50 USD
1 year ago
Dec 11, 2023
Sell 5.25 M USD
GIC Private Ltd
10 percent owner
- 135008
38.8856 USD
1 year ago
Dec 11, 2023
Sell 57.1 M USD
GIC Private Ltd
10 percent owner
- 1438263
39.6786 USD
1 year ago
Dec 11, 2023
Sell 45.6 M USD
GIC Private Ltd
10 percent owner
- 1133161
40.2532 USD
1 year ago
Dec 11, 2023
Sell 4.64 M USD
GIC Private Ltd
10 percent owner
- 111866
41.4622 USD
1 year 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
2 years ago
Jan 03, 2023
Sell 149 K USD
Rabois Keith
Director
- 16287
9.1301 USD
2 years ago
Jan 03, 2023
Sell 10.1 K USD
Rabois Keith
Director
- 1000
10.07 USD
2 years 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
3 years ago
Nov 15, 2021
Sell 1.63 M USD
Philips Jeremy
Director
- 10868
150 USD
3 years ago
Nov 15, 2021
Sell 15 K USD
Philips Jeremy
Director
- 100
150.01 USD
4 years ago
Jan 13, 2021
Bought 40.9 K USD
GIC Private Ltd
10 percent owner
+ 835
49 USD
4 years ago
Jan 13, 2021
Bought 186 K USD
GIC Private Ltd
10 percent owner
+ 3800
49 USD
4 years ago
Jan 13, 2021
Sell 362 K USD
GIC Private Ltd
10 percent owner
- 3800
95.3846 USD
4 years ago
Jan 13, 2021
Bought 377 K USD
GIC Private Ltd
10 percent owner
+ 7700
49 USD
4 years ago
Jan 13, 2021
Sell 79.4 K USD
GIC Private Ltd
10 percent owner
- 835
95.1324 USD
4 years ago
Jan 15, 2021
Bought 3.68 M USD
Founders Fund V Management, LLC
10 percent owner
+ 75000
49 USD
4 years ago
Jan 13, 2021
Bought 3.45 M USD
Khosla Ventures IV, L.P.
10 percent owner
+ 70493
49 USD
4 years ago
Jan 13, 2021
Bought 221 K USD
Khosla Ventures IV, L.P.
10 percent owner
+ 4507
49 USD
4 years ago
Jan 13, 2021
Bought 3.64 M USD
Philips Jeremy
Director
+ 74243
49 USD
4 years ago
Jan 13, 2021
Bought 37.1 K USD
Philips Jeremy
Director
+ 757
49 USD
7. News
Affirm Holdings, Inc. (AFRM) is Attracting Investor Attention: Here is What You Should Know Recently, Zacks.com users have been paying close attention to Affirm Holdings (AFRM). This makes it worthwhile to examine what the stock has in store. zacks.com - 2 weeks ago
Affirm Holdings (AFRM) Stock Drops Despite Market Gains: Important Facts to Note Affirm Holdings (AFRM) reachead $64.95 at the closing of the latest trading day, reflecting a -1.05% change compared to its last close. zacks.com - 3 weeks ago
Why is Affirm's Extended Partnership With WooCommerce Crucial? This move aims to increase AFRM's reach, especially among small and mid-sized businesses, while helping merchants boost sales and customer satisfaction. zacks.com - 3 weeks ago
Wall Street Bulls Look Optimistic About Affirm Holdings (AFRM): Should You Buy? 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
Where Will Affirm Stock Be in 3 Years? Affirm (AFRM 4.19%), a leading provider of buy now, pay later (BNPL) services, went public on Jan. 13, 2021. It soared from its IPO price of $49 to a record high of $168.52 on Nov. 4, 2021, but it dropped below $9 the following December. fool.com - 3 weeks ago
Can Affirm & Adyen Unlock New Growth With Enhanced BNPL Offerings? AFRM is now offering its monthly installment plans to Adyen merchants in Canada. zacks.com - 4 weeks ago
The Big 3: AMZN, AFRM, UPST Today's Big 3 all tie to the tech trade. @ProsperTradingAcademy's Mike Shorr discusses why Amazon (AMZN), Affirm (AFRM) and Upstart (UPST) are worth watching into the end of the year. youtube.com - 4 weeks ago
PCE Data Lower Than Expected, NVO Falls on New Obesity Drug, AFRM Upgraded Jenny Horne joins the Futures show with live reaction to the latest PCE inflation data. November rate rose just 0.1% from October, but on an annual basis checked in at 2.4% On the stock front, Novo Nordisk (NVO) slid sharply after disappointing clinical data for its new obesity drug CagriSema. youtube.com - 4 weeks ago
WooCommerce Designates Affirm as a Leading Pay-Over-Time Provider SAN FRANCISCO--(BUSINESS WIRE)--WooCommerce, the flexible, open-source ecommerce solution built on WordPress, today announced that it has selected Affirm (NASDAQ: AFRM) as a leading pay-over-time provider. This builds on the companies' decade-long partnership and will make Affirm a default payment option for merchants using WooPayments. Soon, merchants using WooCommerce's integrated payment solution, WooPayments, will be able to instantly offer Affirm's customized pay-over-time plans to their c. businesswire.com - 4 weeks ago
Affirm Extends BNPL Offering to Adyen's Platform Customers Pay-later network Affirm says it is expanding its partnership with payments company Adyen. The expansion makes Affirm the first buy now, pay later (BNPL) provider to support Adyen's payment solution for platform businesses, while also offering more payment options for Adyen merchants in Canada, according to a Wednesday (Dec. 18) news release. pymnts.com - 1 month ago
Affirm Holdings, Inc. Announces Pricing of Upsized Private Offering of $800 million of 0.75% Convertible Senior Notes due 2029 SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (Nasdaq: AFRM) (“Affirm” or the “Company”) today announced the pricing of $800 million aggregate principal amount of 0.75% Convertible Senior Notes due 2029 (the “Notes”) in a private offering (the “Offering”). The size of the Offering was increased from the previously announced $750 million in aggregate principal amount. In connection with the Offering, Affirm has granted the initial purchasers of the Notes an option to purchase, within a 1. businesswire.com - 1 month ago
Affirm Holdings, Inc. (AFRM) Is a Trending Stock: Facts to Know Before Betting on It Affirm Holdings (AFRM) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects. zacks.com - 1 month ago
8. Profile Summary

Affirm Holdings, Inc. AFRM

image
COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 18.2 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 Ms. Katherine Adkins Esq. Chief Legal & Compliance Officer and Secretary Mr. Michael A. Linford Chief Operating Officer Mr. Zane Keller C.F.A., CFA Head of Investor Relations Ms. Brooke E. Major-Reid Chief Capital Officer Siphelele Jiyane Chief Accounting Officer Dr. Wayne Pommen Ph.D. Chief Revenue Officer Pat Suh Senior Vice President of Revenue Mr. Robert W. O'Hare Chief Financial Officer Mr. Max Roth Levchin Founder, Chief Executive Officer & Chairman