Affirm Holdings, Inc.

  • Market Cap: Mid Cap
  • Industry: Finance
  • ISIN: US00827B1061
USD
68.69
1.67 (2.49%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

1.39 M

Shareholding (Mar 2025)

FII

13.79%

Held by 198 FIIs

DII

43.29%

Held by 68 DIIs

Promoter

1.33%

How big is Affirm Holdings, Inc.?

22-Jun-2025

As of Jun 18, Affirm Holdings, Inc. has a market capitalization of $19.32 billion, with net sales of $3.01 billion and a net profit of -$62.20 million over the last four quarters. As of Jun 24, shareholder's funds are $2.73 billion and total assets are $9.52 billion.

As of Jun 18, Affirm Holdings, Inc. has a market capitalization of 19,323.74 million, categorizing it as a Mid Cap company.<BR><BR>As of Jun 18, the sum of net sales for the latest four quarters is 3,007.17 million, while the sum of net profit for the same period is -62.20 million.<BR><BR>As of Jun 24, the reporting period shows shareholder's funds at 2,731.99 million and total assets at 9,519.62 million.

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What does Affirm Holdings, Inc. do?

22-Jun-2025

Affirm Holdings, Inc. is a mid-cap finance company that reported net sales of $783 million and a net profit of $3 million for Q1 2025, with a market cap of approximately $19.32 billion. Key metrics include a P/E ratio of 152.00 and a return on equity of 4.36%.

Overview: <BR>Affirm Holdings, Inc. operates in the finance industry and is classified as a mid-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 783 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 3 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 19,323.74 Million <BR>Category: Finance <BR><BR>Key Metrics: <BR>P/E: 152.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 4.36% <BR>Price to Book: 6.72 <BR><BR>Contact Details: <BR>Registrar Address: Not available.

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Should I buy, sell or hold Affirm Holdings, Inc.?

22-Jun-2025

Is Affirm Holdings, Inc. technically bullish or bearish?

20-Sep-2025

As of July 1, 2025, Affirm Holdings, Inc. has a bullish technical trend supported by strong indicators, despite a mildly bearish weekly Dow Theory stance, and has significantly outperformed the S&P 500 with a 1-year return of 103.05%.

As of 1 July 2025, the technical trend for Affirm Holdings, Inc. has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both weekly and monthly time frames, and Bollinger Bands also indicate a bullish trend in both periods. Daily moving averages are bullish, and the On-Balance Volume (OBV) is bullish as well. However, Dow Theory shows a mildly bearish stance on the weekly chart, while the monthly chart indicates no trend. <BR><BR>Affirm has significantly outperformed the S&P 500 across multiple periods, with a 1-year return of 103.05% compared to the S&P 500's 17.14%, and a 3-year return of 303.18% versus 70.41% for the index.

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Is Affirm Holdings, Inc. overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, Affirm Holdings, Inc. is considered undervalued with a valuation grade shift to attractive, despite a high P/E ratio of 152, indicating strong growth potential compared to peers like Synchrony Financial and SoFi Technologies, and has outperformed the S&P 500 with a 54.56% return over the past year.

As of 17 October 2025, the valuation grade for Affirm Holdings, Inc. has moved from very expensive to attractive, indicating a shift towards a more favorable assessment. The company is currently considered undervalued based on its valuation metrics. Key ratios include a P/E ratio of 152, an EV to EBITDA of 36.28, and a PEG ratio of 1.23, which suggest that while the stock is priced high relative to earnings, it may still offer growth potential compared to its price.<BR><BR>In comparison to peers, Affirm's P/E ratio of 153.84 is significantly higher than that of Synchrony Financial, which has a P/E of 15.06, indicating that Affirm is priced for substantial growth. Meanwhile, SoFi Technologies, with a P/E of 54.79, is also considered expensive, further supporting the notion that Affirm's valuation may be more justified given its growth prospects. Over the past year, Affirm has outperformed the S&P 500, returning 54.56% compared to the index's 14.08%, reinforcing the attractiveness of its current valuation.

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iScoreScore
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Dashboard
1

With a growth in Net Sales of 32.95%, the company declared Outstanding results in Jun 25

  • The company has declared positive results for the last 6 consecutive quarters
  • OPERATING CASH FLOW(Y) Highest at USD 793.92 MM
  • PRE-TAX PROFIT(Q) At USD 45.4 MM has Grown at 489.39%
  • NET PROFIT(Q) At USD 43.91 MM has Grown at 447%
2

With ROE of 4.36%, it has a risky valuation with a 6.61 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 27,970 Million (Mid Cap)

stock-summary
P/E

152.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

5.92%

stock-summary
Price to Book

9.11

Revenue and Profits:
Net Sales:
876 Million
(Quarterly Results - Jun 2025)
Net Profit:
69 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-19.48%
0%
-19.48%
6 Months
24.98%
0%
24.98%
1 Year
-2.93%
0%
-2.93%
2 Years
82.35%
0%
82.35%
3 Years
369.84%
0%
369.84%
4 Years
-35.95%
0%
-35.95%
5 Years
0%
0%
0.0%

Affirm Holdings, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
44.63%
EBIT Growth (5y)
51.30%
EBIT to Interest (avg)
-2.16
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
14.63%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
85.60%
ROCE (avg)
2.03%
ROE (avg)
1.03%
Valuation key factors
Factor
Value
P/E Ratio
152
Industry P/E
Price to Book Value
6.61
EV to EBIT
55.60
EV to EBITDA
36.28
EV to Capital Employed
3.15
EV to Sales
7.86
PEG Ratio
1.23
Dividend Yield
NA
ROCE (Latest)
5.66%
ROE (Latest)
4.36%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 70 Schemes (41.57%)

Foreign Institutions

Held by 198 Foreign Institutions (13.79%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 32.95% vs 47.87% in Jun 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 253.44% vs 78.11% in Jun 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "876.40",
          "val2": "659.20",
          "chgp": "32.95%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "288.40",
          "val2": "134.80",
          "chgp": "113.95%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "105.90",
          "val2": "100.00",
          "chgp": "5.90%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "26.20",
          "val2": "-32.50",
          "chgp": "180.62%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "69.20",
          "val2": "-45.10",
          "chgp": "253.44%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "256.10%",
          "val2": "105.30%",
          "chgp": "15.08%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Jun'24",
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      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Jun 2024 is 46.28% vs 17.69% in Jun 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Jun 2024 is 47.45% vs -39.28% in Jun 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'24",
        "Jun'23",
        "Change(%)"
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          "val2": "1,588.00",
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          "field": "Operating Profit (PBDIT) excl Other Income",
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          "val2": "-704.00",
          "chgp": "112.27%",
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          "field": "Interest",
          "val1": "349.00",
          "val2": "183.00",
          "chgp": "90.71%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-181.20",
          "val2": "-170.80",
          "chgp": "-6.09%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-517.80",
          "val2": "-985.30",
          "chgp": "47.45%",
          "chgp_class": "positive"
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        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-35.60%",
          "val2": "-528.10%",
          "chgp": "49.25%",
          "chgp_class": "positive"
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]
Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
876.40
659.20
32.95%
Operating Profit (PBDIT) excl Other Income
288.40
134.80
113.95%
Interest
105.90
100.00
5.90%
Exceptional Items
26.20
-32.50
180.62%
Consolidate Net Profit
69.20
-45.10
253.44%
Operating Profit Margin (Excl OI)
256.10%
105.30%
15.08%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in quarter ended Jun 2025 is 32.95% vs 47.87% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 253.44% vs 78.11% in Jun 2024

Annual Results Snapshot (Consolidated) - Jun'24stock-summary
Jun'24
Jun'23
Change(%)
Net Sales
2,323.00
1,588.00
46.28%
Operating Profit (PBDIT) excl Other Income
86.40
-704.00
112.27%
Interest
349.00
183.00
90.71%
Exceptional Items
-181.20
-170.80
-6.09%
Consolidate Net Profit
-517.80
-985.30
47.45%
Operating Profit Margin (Excl OI)
-35.60%
-528.10%
49.25%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Jun 2024 is 46.28% vs 17.69% in Jun 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Jun 2024 is 47.45% vs -39.28% in Jun 2023

stock-summaryCompany CV
About Affirm Holdings, Inc. stock-summary
stock-summary
Affirm Holdings, Inc.
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