ScoreComparison
Why is Affirm Holdings, Inc. ?
1
With a growth in Net Profit of 61.26%, the company declared Outstanding results in Dec 25
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 834.05 MM
- ROCE(HY) Highest at 8.92%
- INTEREST COVERAGE RATIO(Q) Highest at 464.6
2
With ROE of 7.96%, it has a fair valuation with a 4.48 Price to Book Value
- Over the past year, while the stock has generated a return of -10.24%, its profits have risen by 245.5% ; the PEG ratio of the company is 0.2
3
High Institutional Holdings at 85.81%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Affirm Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Affirm Holdings, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Affirm Holdings, Inc.
36.65%
0.56
70.45%
S&P 500
36.13%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
50.99%
EBIT Growth (5y)
95.83%
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
85.81%
ROCE (avg)
2.03%
ROE (avg)
1.03%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
56
Industry P/E
Price to Book Value
4.48
EV to EBIT
16.59
EV to EBITDA
13.86
EV to Capital Employed
2.24
EV to Sales
6.50
PEG Ratio
0.24
Dividend Yield
NA
ROCE (Latest)
13.49%
ROE (Latest)
7.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend33What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 834.05 MM
ROCE(HY)
Highest at 8.92%
INTEREST COVERAGE RATIO(Q)
Highest at 464.6
RAW MATERIAL COST(Y)
Fallen by 1.73% (YoY
DEBTORS TURNOVER RATIO(HY)
Highest at 14.15 times
NET SALES(Q)
Highest at USD 1,026.95 MM
OPERATING PROFIT(Q)
Highest at USD 518.88 MM
OPERATING PROFIT MARGIN(Q)
Highest at 50.53 %
PRE-TAX PROFIT(Q)
Highest at USD 133.24 MM
NET PROFIT(Q)
Highest at USD 129.59 MM
EPS(Q)
Highest at USD 0.37
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Affirm Holdings, Inc.
Operating Cash Flow
Highest at USD 834.05 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Interest Coverage Ratio
Highest at 464.6
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Sales
Highest at USD 1,026.95 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 1,026.95 MM has Grown at 29%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 518.88 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 50.53 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 133.24 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 133.24 MM has Grown at 60.68%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 129.59 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 129.59 MM has Grown at 61.14%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.37
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Debtors Turnover Ratio
Highest at 14.15 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by 1.73% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 75.59 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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