Affirm Holdings, Inc.
General ticker "AFRM" information:
- Sector: Information Technology
- Industry: Software - Infrastructure
- Capitalization: $22.3B (TTM average)
Affirm Holdings, Inc. follows the US Stock Market performance with the rate: 29.0%.
Estimated limits based on current volatility of 3.0%: low 77.32$, high 82.16$
Factors to consider:
- Total employees count: 2206 (+10.0%) as of 2025
- US accounted for 95.8% of revenue in the fiscal year ended 2024-06-30
- Top business risk factors: Lending risk, Regulatory and compliance, Interest rate risk, Cybersecurity threats, Partner dependency
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-06-30 to 2027-06-30
- 2025-06-30 to 2026-06-30 estimated range: [56.80$, 98.76$]
- 2026-06-30 to 2027-06-30 estimated range: [58.99$, 101.68$]
Financial Metrics affecting the AFRM estimates:
- Negative: with PPE of 494.4 at the end of fiscal year the price was high
- Positive: -5.34 < Operating profit margin, % of -2.64
- Positive: 19.19 < Shareholder equity ratio, % of 27.51 <= 42.57
- Positive: -0.03 < Operating cash flow per share per price, % of 3.83
- Positive: -14.27 < Investing cash flow per share per price, % of -5.22
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 0.47
- Positive: -9.70 < Industry operating profit margin (median), % of -3.15
- Positive: Industry inventory ratio change (median), % of -1.12 <= -0.15
- Positive: Interest expense per share per price, % of 2.05 <= 3.34
Short-term AFRM quotes
Long-term AFRM plot with estimates
Financial data
| YTD | 2023-06-30 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Operating Revenue | $1,587.98MM | $2,323.00MM | $3,224.41MM |
| Operating Expenses | $2,788.85MM | $2,938.85MM | $3,311.68MM |
| Operating Income | $-1,200.86MM | $-615.85MM | $-87.27MM |
| Non-Operating Income | $211.62MM | $100.32MM | $148.74MM |
| Interest Expense | $183.01MM | $344.25MM | $425.45MM |
| R&D Expense | $615.82MM | $501.86MM | $0.00MM |
| Income(Loss) | $-989.25MM | $-515.53MM | $61.46MM |
| Taxes | $-3.90MM | $2.23MM | $9.28MM |
| Net Income(Loss)* | $-985.35MM | $-517.76MM | $52.19MM |
| Stockholders Equity | $2,534.18MM | $2,731.99MM | $3,069.01MM |
| Assets | $8,155.61MM | $9,519.62MM | $11,154.93MM |
| Operating Cash Flow | $12.18MM | $450.14MM | $793.91MM |
| Capital expenditure | $120.78MM | $159.30MM | $192.19MM |
| Investing Cash Flow | $-1,653.07MM | $-1,325.15MM | $-1,083.06MM |
| Financing Cash Flow | $1,349.94MM | $913.15MM | $751.42MM |
| Earnings Per Share** | $-3.34 | $-1.67 | $0.16 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.