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Stock Analysis

AFRM Affirm Holdings Inc

Price (delayed)

$53.94

Market cap

$17.4B

P/E Ratio

N/A

Dividend/share

N/A

EPS

-$0.19

Enterprise value

$22.99B

Affirm’s mission is to deliver honest financial products that improve lives. With that in mind, Affirm is building the next generation platform for digital and mobile-first commerce, making it easier ...

Highlights

Affirm Holdings's net income has soared by 91% YoY and by 69% from the previous quarter

The company's EPS has surged by 91% YoY and by 70% QoQ

AFRM's debt is up by 15% year-on-year

Sector: Technology

Industry: Information Technology Services

Website: http://www.affirm.com

Peers: RM

Key stats

What are the main financial stats of AFRM

Market

Shares outstanding

322.6M

Market cap

$17.4B

Enterprise value

$22.99B

Valuations

Price to earnings (P/E)

N/A

Price to book (P/B)

5.97

Price to sales (P/S)

5.81

EV/EBIT

N/A

EV/EBITDA

133.48

EV/Sales

7.64

Earnings

Revenue

$3.01B

Gross profit

$1.37B

Operating income

-$218.8M

Net income

-$62.19M

EBIT

-$54.26M

EBITDA

$172.22M

Free cash flow

$608.71M

Per share

EPS

-$0.19

EPS diluted

-$0.21

Free cash flow per share

$1.88

Book value per share

$9.04

Revenue per share

$9.28

TBVPS

$30.55

Balance sheet

Total assets

$10.44B

Total liabilities

$7.56B

Debt

$7.32B

Equity

$2.87B

Working capital

N/A

Liquidity

Debt to equity

2.55

Current ratio

N/A

Quick ratio

N/A

Net debt/EBITDA

32.44

Margins

EBITDA margin

5.7%

Gross margin

45.4%

Net margin

-2.1%

Operating margin

-7.3%

Efficiency

Return on assets

-0.6%

Return on equity

-2.2%

Return on invested capital

-0.4%

Return on capital employed

N/A

Return on sales

-1.8%

Dividend

Dividend yield

N/A

DPS

N/A

Payout ratio

N/A

AFRM stock price

How has the Affirm Holdings stock price performed over time

Intraday

0.37%

1 week

5.76%

1 month

33.22%

1 year

68.51%

YTD

-11.43%

QTD

19.36%

Financial performance

How have Affirm Holdings's revenue and profit performed over time

Revenue

$3.01B

Gross profit

$1.37B

Operating income

-$218.8M

Net income

-$62.19M

Gross margin

45.4%

Net margin

-2.1%

AFRM's net margin has surged by 93% year-on-year and by 70% since the previous quarter

Affirm Holdings's net income has soared by 91% YoY and by 69% from the previous quarter

Affirm Holdings's operating margin has soared by 80% YoY and by 45% from the previous quarter

The operating income has soared by 72% year-on-year and by 41% since the previous quarter

Price vs fundamentals

How does AFRM's price correlate with its fundamentals

Growth

What is Affirm Holdings's growth rate over time

Valuation

What is Affirm Holdings stock price valuation

P/E

N/A

P/B

5.97

P/S

5.81

EV/EBIT

N/A

EV/EBITDA

133.48

EV/Sales

7.64

The company's EPS has surged by 91% YoY and by 70% QoQ

AFRM's price to book (P/B) is 22% more than its last 4 quarters average of 4.9 and 19% more than its 5-year quarterly average of 5.0

Affirm Holdings's equity has increased by 10% YoY and by 3.2% QoQ

AFRM's revenue is up by 43% year-on-year and by 7% since the previous quarter

The stock's P/S is 37% less than its 5-year quarterly average of 9.2 but 10% more than its last 4 quarters average of 5.3

Efficiency

How efficient is Affirm Holdings business performance

The company's return on sales has surged by 94% YoY and by 74% QoQ

Affirm Holdings's return on invested capital has surged by 93% YoY and by 69% QoQ

The return on assets has surged by 92% year-on-year and by 70% since the previous quarter

Affirm Holdings's ROE has soared by 92% YoY and by 69% from the previous quarter

Dividends

What is AFRM's dividend

DPS

N/A

Dividend yield

N/A

Payout ratio

N/A

There are no recent dividends present for AFRM.

Financial health

How did Affirm Holdings financials performed over time

AFRM's total assets is 38% more than its total liabilities

Affirm Holdings's total liabilities has increased by 15% YoY

AFRM's total assets is up by 13% YoY

AFRM's debt is 155% greater than its equity

AFRM's debt is up by 15% year-on-year

Affirm Holdings's equity has increased by 10% YoY and by 3.2% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.