Affirm Holdings, Inc. AFRM
Composite 48/100; the shares have moved about 57% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Valuation ranks 39/100 — a slight mark against it.
Growth ranks 60/100 — a slight point in its favour. Momentum ranks 55/100 — a slight point in its favour.
Valuation ranks 39/100 — a slight mark against it. Balance-sheet strength ranks 42/100 — a slight mark against it. Quality ranks 50/100 — a slight mark against it.
What the company does Affirm Holdings operates a U.S.-based point-of-sale payment network enabling consumers to pay over time via merchant partnerships across retail, travel, electronics, and other sectors.
Key financials Revenue grew 32.6% with net margins at 9.6%. ROE is 11.5%, ROA 1.7%, and ROCE 6.4%. Forward P/E is 36.23x and EV/EBITDA 27.28x, with a strong growth score of 90.4.
Stock health Momentum is mixed: +15.39% over 3m but -26.75% below the 52w high; RSI(14) at 46.10 indicates neutral momentum. Piotroski F-Score is 9/9, but Altman Z is 1.98 and interest coverage is 1.90.
Price vs fair value The stock trades at a PREMIUM of 58.60% to our fair-value estimate of 30.33 and a discount of 23.69% to the analyst 12-month target of 90.60. - Analysts question whether rising optimism clarifies Affirm’s earnings power (Simply Wall St.) - Rate cuts could pose both risks and rewards for Affirm’s credit model (Motley Fool) - Recent coverage flags warning signs despite its popularity (StockStory) - Stock fell more steeply than the broader market on July 29 (Zacks)
Looking forward Forward PEG of 0.46 suggests potential value relative to growth, but high leverage (Debt/Equity 2.40) and weak interest coverage warrant caution. Valuation percentile at 23.5/100 underscores rich pricing versus peers.
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Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.