Affirm Holdings, Inc.

  • Moat Score
  • Market Cap $22.03B
  • PE -49
  • Debt $NaN
  • Cash $1.38B
  • EV $NaN
  • FCF $380.47M

Earnings

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Sales & Net Margins

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Earnings-$446.20M
EBIT-$443.11M
ROE-16%
ROA-4%
FCF$380.47M
Equity$2.84B
Growth Stability1
PE-49.38
PB7.77
P/FCF57.91
P/S8.73
Price/Cash0.06
Net Margins-14%
Op. Margins-18%
Sales Growth YoY41%
Sales Growth QoQ6%
Sales CAGR39%
FCF CAGR2%
Equity CAGR3%
Earnings Growth YoY-42%
Earnings Growth QoQ122%
Sales CAGR 5Y41%
FCF CAGR 5Y2%
Equity CAGR 5Y3%
Earnings CAGR 3Y31%
Sales CAGR 3Y31%
FCF CAGR 3Y17%
Equity CAGR 3Y3%
Market Cap$22.03B
Revenue$2.52B
Assets$10.14B
Cash$1.38B
Shares Outstanding318.23M
Moat Score5%
Shares Growth 3y5%
Equity Growth QoQ4%
Equity Growth YoY10%

Assets & ROA

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Stockholders Equity & ROE

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Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks, and through virtual card networks among others. Geographically, it generates a major share of its revenue from the United States.

SEC Filings

Direct access to Affirm Holdings, Inc. (AFRM) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Sep 30
    • 10-K Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-Q Dec 31
    • 10-Q Sep 30
    • 10-K Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-Q Dec 31
    • 10-Q Sep 30
    • 10-K Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Affirm Holdings, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Affirm Holdings, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Affirm Holdings, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Affirm Holdings, Inc..

= $4.2B
012345678910TV
fcf$380M$386M$392M$398M$404M$410M$416M$422M$429M$435M$442M$4.4B
DCF$351M$324M$299M$276M$255M$235M$217M$200M$185M$170M$1.7B
Value$4.2B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years06/201906/202006/202106/202206/202306/2024TTM
Net Margins-51%-25%-50%-52%-62%-22%-14%
ROA--8%-8%-10%-12%-5%-4%
ROE-34%-17%-27%-39%-19%-16%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years06/201906/202006/202106/202206/202306/2024TTM
Debt over FCF-----6.37-
Debt over Equity-----0.68-
Growth Stability------1

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years06/201906/202006/202106/202206/202306/2024CAGR 5Y
Revenue YoY growth-93%71%55%18%46%41%
Earnings YoY growth--7%243%64%39%-47%-
Equity YoY growth-39%-803%1%-3%8%3%
FCF YoY growth--14%131%16%-56%-368%2%