Affirm Inc. (AFRM)

NasdaqGS: AFRM · Real-Time Price · USD

73.43

-3.27 (-4.26%)

At close: Aug 12, 2026, 3:41 PM

Statistics

Share Statistics

Affirm has 294.36M shares outstanding. The shares have a market value of 24.59B.

Shares Outstanding	294.36M
Shares Change (YoY)	4.19%
Shares Change (QoQ)	0.86%
Owned by Institutions (%)	88.89%
Shares Floating	271.3M
Failed to Deliver (FTD) Shares	500
FTD / Avg. Volume	n/a

Short Selling Information

Short interest in Affirm is 4.6% of the outstanding shares, representing 15.39M shares. The short ratio is 4.24.

Short Interest	15.39M
Short % of Shares Out	4.6%
Short % of Float	5.27%
Short Ratio (days to cover)	4.24

Valuation Ratios

The stock has a PE ratio of 66.76, meaning that every $1 in earnings is currently priced at $66.76 in the stock market.

PE Ratio	66.76
Forward PE	19.75
PS Ratio	6.19
Forward PS	4.66
PB Ratio	6.5
P/FCF Ratio	31.25
PEG Ratio	0.76

Financial Ratio History

Enterprise Valuation

The enterprise value is 33.01B. Enterprise value adds debt and subtracts cash from the company's market cap, providing an alternative valuation for the company.

EV / Sales	8.31
EV / EBITDA	52.27
EV / EBIT	32.7
EV / FCF	41.95

Financial Position

Affirm's current ratio is 13.54. A current ratio above 1 means that the company has enough short-term assets to cover its short-term liabilities.

Current Ratio	13.54
Quick Ratio	9.57
Debt / Equity	2.4
Debt / EBITDA	8.14
Debt / FCF	11.55
Interest Coverage	1.9

Financial Efficiency

Return on Equity is 11.49%, and return on invested capital is 6.5%.

Return on Equity	11.49%
Return on Assets	1.74%
Return on Invested Capital	6.5%
Revenue Per Employee	$1.8M
Profits Per Employee	$173.36K
Employee Count	2,206
Asset Turnover	0.3
Inventory Turnover	n/a

Taxes

Income Tax	12.79M
Effective Tax Rate	3.24%

Stock Price Statistics

The stock price has increased by -1.29% in the past year.

Beta	3.62
52-Week Price Change	-1.29%
50-Day Moving Average	75.07
200-Day Moving Average	66.28
Relative Strength Index (RSI)	54.19
Average Volume (20 Days)	4,174,748

Income Statement

In the last 12 months, Affirm had revenue of 3.97B and earned 382.42M in profits. Earnings per share was 1.1.

Revenue	3.97B
Gross Profit	2.69B
Operating Income	769.2M
Net Income	382.42M
EBITDA	1.12B
EBIT	836.63M
Earnings Per Share (EPS)	1.1

Full Income Statement

Balance Sheet

Affirm has 1.72B in cash on the balance sheet. Total assets are 13.14B, and total liabilities are 9.09B.

Cash & Cash Equivalents	1.72B
Total Debt	9.09B
Net Cash	-7.37B
Retained Earnings	-2.74B
Total Assets	13.14B
Working Capital	11.43B

Full Balance Sheet

Cash Flow

Affirm's operating cash flow was 1.01B over the trailing twelve months.

Operating Cash Flow	1.01B
Capital Expenditures	-222.59M
Free Cash Flow	786.85M
FCF Per Share	2.673

Full Cash Flow Statement

Margins

Affirm's gross profit margin was 67.71%, while its operating and net profit margins were 19.37% and 9.63%, respectively.

Gross Margin	67.71%
Operating Margin	19.37%
Pretax Margin	9.95%
Profit Margin	9.63%
EBITDA Margin	28.12%
EBIT Margin	21.07%
FCF Margin	19.81%

Dividends & Yields

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Payout Ratio	0%
Earnings Yield	1.5%
FCF Yield	3.2%

Dividend Details

Analyst Forecast

According to 30 stock analysts, the average 12-month price target for Affirm is $90. The average analyst rating is "Buy".

Price Target	$90
Price Target Difference	22.56%
Analyst Consensus	Buy
Analyst Count	30

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the fair value of a stock. The Graham Number estimates a fair value of $17.84, representing a potential upside of -75.71%.

Lynch Fair Value	$22.62
Lynch Upside	-69.2%
Graham Number	17.84
Graham Upside	-75.71%

Scores

Altman Z-Score	2.84
Piotroski F-Score	6