NASDAQ · AFRM

Affirm Holdings, Inc.

$70.23 -$0.98 (-1.38%) 1D After hours

Key Metrics

$23.85B
Market cap
62.36×
P/E · TTM
$3.97B
Revenue · TTM
$382.42M
Net income
EPS · TTM $1.10
Dividend yield
Free cash flow $786.85M
Beta · 1Y 2.57
EBITDA · TTM $675.19M
Gross margin

The Story So Far

LAST 6 MONTHS PRIMARY SOURCES ONLY
  • Jul 16
    Money rotated out of high-beta cohorts market-wide.

    High-beta names lagged the blue-chips by 18.6 points over ten sessions around this date. Stocks in that cohort weren't falling alone — they fell together.

    RECEIPT: ROTATION GAUGE, LIVE
  • Mar 27
    From its Jan 29 high, the share price fell 32%.

    Peak close $62.80 on Jan 29; trough close $42.53 on Mar 27. The drawdown is the fact — the chapters around it are the context.

    RECEIPT: PRICE SERIES, PEAK-TO-TROUGH -32%
  • Mar 12
    The stock moved -8.7% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, Mar 12
  • Feb 12
    The stock moved -12.0% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, Feb 12

The story updates itself as events post · The wolf reports; you decide

Snapshot

Market cap$23.85B
Enterprise value$31.00B
Shares outstanding334.9M
52-wk range$42.10 – $100.00
Avg volume · 20D10.5M
Net cash −$7.15B
Book value / share$10.85
IndustryPersonal Credit Institutions
ExchangeNASDAQ
About Affirm Holdings, Inc.
IPO dateJan 13, 2021
Employees2206

Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025.

Wolf Grade COMING SOON

The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.

Valuation

P/E62.36
P/S6.00
P/FCF30.31
EV/EBITDA45.91
EV/Sales7.81
Graham №$16.37

Profitability

Gross
Operating 10.0%
Net 9.6%
FCF 19.8%
ROE / ROIC 11.7% · 3.5%

Financial Health

Current ratio
Quick ratio
Debt / equity2.35
Debt / EBITDA 13.14
Net cash −$7.15B
Working capital

Cash Flow · TTM

Operating CF $1.01B
Capex −$222.59M
Free cash flow $786.85M
Buybacks $0
Dividends paid
Shareholder yield 0.0%

Piotroski F-Score

5 / 9
Middling fundamentals · 5 of 9 signals passing

Altman Z-Score

1.6
Distress zone (< 1.81) · elevated risk

Graham Number vs Price

$16.37 vs $70.23
Trades 4.3× above classic defensive value — priced for growth
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings