Affirm Holdings, Inc. AFRM
69.66 USD -5.93 (-7.84%)
At closeNov 5, 2026, 4:19 PM EST
63.66 -6.00 -8.61%
After hours · Nov 5, 4:19 PM ET
68.16 Day range 77.25
42.10 52-week range 90.44
- YTD
- -6.41%
- 1 year
- -2.60%
Financial health
Altman Z-Score
1.88 Grey zone
Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.
Piotroski F-Score
5 / 9 Average
Nine pass/fail tests of profitability, leverage and efficiency.
FMP rating
B3 / 5 overall
- DCF 1
- Return on Equity 5
- Return on Assets 5
- Debt / Equity 2
- P/E 2
- P/B 1
Valuation
P/E 14.2×
FY 2019 5y median -4.6× FY 2026
P/S 6.9×
FY 2019 5y median 4.0× FY 2026
P/B 5.0×
FY 2019 5y median 3.4× FY 2026
P/FCF 27.5×
FY 2019 5y median 27.5× FY 2026
EV/EBITDA 27.8×
FY 2019 5y median -13.2× FY 2026
EV/Sales 8.8×
FY 2019 5y median 6.4× FY 2026
FCF Yield 3.6%
FY 2019 5y median 2.7% FY 2026
Profitability
Gross Margin 69.1%
FY 2019 5y median 63.6% FY 2026
Operating Margin 22.1%
FY 2019 5y median -26.5% FY 2026
Net Margin 48.9%
FY 2019 5y median -22.3% FY 2026
ROE 35.2%
FY 2019 5y median -19.0% FY 2026
ROIC 15.6%
FY 2019 5y median -6.6% FY 2026
ROA 12.2%
FY 2019 5y median -5.4% FY 2026
Growth (YoY)
Revenue 22.5%
FY 2019 FY 2026
Operating Income 1097.9%
FY 2019 FY 2026
EPS (diluted) 3586.7%
FY 2019 FY 2026
Free Cash Flow 65.0%
FY 2019 FY 2026
Financial Health
Current Ratio 12.7×
FY 2019 5y median 54.2× FY 2026
Quick Ratio 12.7×
FY 2019 5y median 54.2× FY 2026
Debt / Equity 1.8×
FY 2019 5y median 2.2× FY 2026
Net Debt / EBITDA 5.9×
FY 2019 5y median -4.8× FY 2026
Interest Coverage 1.9×
FY 2019 5y median -1.8× FY 2026
Dividends
Dividend Yield 0.0%
FY 2019 5y median 0.0% FY 2026
Payout Ratio 0.0%
FY 2019 5y median 0.0% FY 2026
Annual · latest fiscal year ends 2026-06-30