Price Alert

Affirm Inc. (AFRM)

NASDAQ: AFRM · Real-Time Price · USD

87.35

-2.31 (-2.58%)

At close: Sep 05, 2025, 3:59 PM

87.15

-0.23%

After-hours: Sep 05, 2025, 07:57 PM EDT

Affirm Statistics

Share Statistics

Affirm has 322.86M shares outstanding. The number of shares has increased by 3.44% in one year.

Shares Outstanding	322.86M
Shares Change (YoY)	3.44%
Shares Change (QoQ)	0.68%
Owned by Institutions (%)	65.75%
Shares Floating	268.63M
Failed to Deliver (FTD) Shares	10,695
FTD / Avg. Volume	0.16%

Short Selling Information

The latest short interest is 18.12M, so 5.62% of the outstanding shares have been sold short.

Short Interest	18.12M
Short % of Shares Out	5.62%
Short % of Float	6.74%
Short Ratio (days to cover)	3.05

Valuation Ratios

The PE ratio is 427.74 and the forward PE ratio is 92.73. Affirm's PEG ratio is -3.9.

PE Ratio	427.74
Forward PE	92.73
PS Ratio	6.92
Forward PS	7.3
PB Ratio	7.27
P/FCF Ratio	37.1
PEG Ratio	-3.9

Financial Ratio History

Enterprise Valuation

Affirm has an Enterprise Value (EV) of 28.82B.

EV / Sales	8.94
EV / EBITDA	40.48
EV / EBIT	36.3
EV / FCF	47.9

Financial Position

The company has a current ratio of 54.19, with a Debt / Equity ratio of 2.56.

Current Ratio	54.19
Quick Ratio	54.19
Debt / Equity	2.56
Debt / EBITDA	11.03
Debt / FCF	13.05
Interest Coverage	-0.21

Financial Efficiency

Return on Equity is 1.7% and Return on Invested Capital is -0.66%.

Return on Equity	1.7%
Return on Assets	0.47%
Return on Invested Capital	-0.66%
Revenue Per Employee	$1.61M
Profits Per Employee	$26.01K
Employee Count	2,006
Asset Turnover	0.29
Inventory Turnover	n/a

Taxes

Income Tax	9.28M
Effective Tax Rate	15.1%

Stock Price Statistics

The stock price has increased by 126.19% 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	126.19%
50-Day Moving Average	72.4
200-Day Moving Average	61.21
Relative Strength Index (RSI)	66.89
Average Volume (20 Days)	6,730,053

Income Statement

In the last 12 months, Affirm had revenue of 3.22B and earned 52.19M in profits. Earnings per share was 0.16.

Revenue	3.22B
Gross Profit	2.18B
Operating Income	-87.27M
Net Income	52.19M
EBITDA	711.99M
EBIT	486.92M
Earnings Per Share (EPS)	0.16

Full Income Statement

Balance Sheet

The company has 1.35B in cash and 7.85B in debt, giving a net cash position of -6.5B.

Cash & Cash Equivalents	1.35B
Total Debt	7.85B
Net Cash	-6.5B
Retained Earnings	-3.06B
Total Assets	11.15B
Working Capital	9.58B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 793.91M and capital expenditures -192.19M, giving a free cash flow of 601.72M.

Operating Cash Flow	793.91M
Capital Expenditures	-192.19M
Free Cash Flow	601.72M
FCF Per Share	1.86

Full Cash Flow Statement

Margins

Gross margin is 67.51%, with operating and profit margins of -2.71% and 1.62%.

Gross Margin	67.51%
Operating Margin	-2.71%
Pretax Margin	1.91%
Profit Margin	1.62%
EBITDA Margin	22.08%
EBIT Margin	-2.71%
FCF Margin	18.66%

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	0.23%
FCF Yield	2.7%

Dividend Details

Analyst Forecast

The average price target for AFRM is $80, which is -10.8% lower than the current price. The consensus rating is "Buy".

Price Target	$80
Price Target Difference	-10.8%
Analyst Consensus	Buy
Analyst Count	24

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	5.88
Graham Upside	-93.44%

Scores

Altman Z-Score	3.01
Piotroski F-Score	5