ScoreComparison
Why is Affirm Holdings, Inc. ?
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
- Over the past year, while the stock has generated a return of 20.57%, its profits have risen by 125.1% ; the PEG ratio of the company is 1.2
3
Consistent Returns over the last 3 years
- Along with generating 20.57% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
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.
20.57%
2.00
75.50%
S&P 500
11.09%
0.56
19.88%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend34What is working for the Company
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%
ROCE(HY)
Highest at 1.8%
INTEREST COVERAGE RATIO(Q)
Highest at 272.33
RAW MATERIAL COST(Y)
Fallen by 1.3% (YoY
CASH AND EQV(HY)
Highest at USD 4,925.04 MM
NET SALES(Q)
Highest at USD 876.42 MM
OPERATING PROFIT(Q)
Highest at USD 288.43 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.91 %
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Affirm Holdings, Inc.
Pre-Tax Profit
At USD 45.4 MM has Grown at 489.39%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 43.91 MM has Grown at 447%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 793.92 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 272.33
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 876.42 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 876.42 MM has Grown at 32.95%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 288.43 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 4,925.04 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by 1.3% (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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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