Price Alert

Affirm Inc. (AFRM)

NASDAQ: AFRM · Real-Time Price · USD

76.98

-0.73 (-0.94%)

At close: Aug 14, 2025, 3:59 PM

76.77

-0.27%

After-hours: Aug 14, 2025, 07:59 PM EDT

Affirm Statistics

Share Statistics

Affirm has 322.6M shares outstanding. The number of shares has increased by 3.44% in one year.

Shares Outstanding	322.6M
Shares Change (YoY)	3.44%
Shares Change (QoQ)	0.68%
Owned by Institutions (%)	65.71%
Shares Floating	307.07M
Failed to Deliver (FTD) Shares	295
FTD / Avg. Volume	n/a

Short Selling Information

The latest short interest is 14.97M, so 4.64% of the outstanding shares have been sold short.

Short Interest	14.97M
Short % of Shares Out	4.64%
Short % of Float	5.57%
Short Ratio (days to cover)	2.82

Valuation Ratios

The PE ratio is -17.85 and the forward PE ratio is 85.09. Affirm's PEG ratio is 0.36.

PE Ratio	-17.85
Forward PE	85.09
PS Ratio	3.98
Forward PS	6
PB Ratio	3.38
P/FCF Ratio	31.78
PEG Ratio	0.36

Financial Ratio History

Enterprise Valuation

Currently the Enterprise Value (EV) is not available for Affirm.

EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 15.78, with a Debt / Equity ratio of 2.42.

Current Ratio	15.78
Quick Ratio	15.78
Debt / Equity	2.42
Debt / EBITDA	n/a
Debt / FCF	22.74
Interest Coverage	-1.79

Financial Efficiency

Return on Equity is n/a and Return on Invested Capital is n/a.

Return on Equity	n/a
Return on Assets	n/a
Return on Invested Capital	n/a
Revenue Per Employee	$1.16M
Profits Per Employee	$-258.1K
Employee Count	2,006
Asset Turnover	0.24
Inventory Turnover	n/a

Taxes

Income Tax	2.23M
Effective Tax Rate	-0.43%

Stock Price Statistics

The stock price has increased by 189.99% in the last 52 weeks. The beta is 3.63, so Affirm's price volatility has been higher than the market average.

Beta	3.63
52-Week Price Change	189.99%
50-Day Moving Average	65.16
200-Day Moving Average	58.27
Relative Strength Index (RSI)	56.31
Average Volume (20 Days)	6,121,162

Income Statement

In the last 12 months, Affirm had revenue of 2.32B and earned -517.76M in profits. Earnings per share was -1.67.

Revenue	2.32B
Gross Profit	1.48B
Operating Income	-615.85M
Net Income	-517.76M
EBITDA	n/a
EBIT	-171.27M
Earnings Per Share (EPS)	-1.67

Full Income Statement

Balance Sheet

The company has 1.01B in cash and 6.61B in debt, giving a net cash position of -5.6B.

Cash & Cash Equivalents	1.01B
Total Debt	6.61B
Net Cash	-5.6B
Retained Earnings	-3.11B
Total Assets	10.44B
Working Capital	8.94B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 450.14M and capital expenditures -159.3M, giving a free cash flow of 290.84M.

Operating Cash Flow	450.14M
Capital Expenditures	-159.3M
Free Cash Flow	290.84M
FCF Per Share	0.94

Full Cash Flow Statement

Margins

Gross margin is 63.62%, with operating and profit margins of -26.51% and -22.29%.

Gross Margin	63.62%
Operating Margin	-26.51%
Pretax Margin	-22.19%
Profit Margin	-22.29%
EBITDA Margin	n/a
EBIT Margin	-26.51%
FCF Margin	12.52%

Dividends & Yields

AFRM does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Payout Ratio	n/a
Earnings Yield	n/a
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for AFRM is $69, which is -5.5% lower than the current price. The consensus rating is "Buy".

Price Target	$69
Price Target Difference	-5.5%
Analyst Consensus	Buy
Analyst Count	23

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Scores

Altman Z-Score	2.77
Piotroski F-Score	4