AFRMNasdaqPersonal Credit InstitutionsFiscal year ends June 30
Affirm Holdings, Inc.
Financials through Q4 FY2026, quarter ended Jun 30, 2026Last filing: 10-K on Aug 27, 2026
$72.80−1.21 (-1.63%)
Close on Oct 19, 2026
- Market cap
- $25.46B
- P/E (TTM)
- 13.2
- Dividend yield
- –
Affirm statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Personal Credit Institutions companies for comparison
Valuation
| Measure | Affirm | Industry median |
|---|---|---|
| Market Cap | $24.56B | $216.24M |
| Enterprise Value | $22.93B | $197.90M |
| PE Ratio | 13.16 | 11.74 |
| PS Ratio | 5.76 | 3.01 |
| PB Ratio | 4.48 | 1.19 |
| P/TBV Ratio | 4.98 | 1.44 |
| P/FCF Ratio | 24.75 | 12.30 |
| P/OCF Ratio | 19.96 | 5.61 |
Enterprise value
| Measure | Affirm | Industry median |
|---|---|---|
| EV / Sales | 5.38 | 3.03 |
| EV / EBITDA | 31.84 | 4.41 |
| EV / EBIT | 55.00 | 7.65 |
| EV / FCF | 23.10 | 11.30 |
Income (trailing twelve months)
| Measure | Affirm | Industry median |
|---|---|---|
| Revenue | $4.26B | $61.19M |
| Operating Income | $416.98M | -$13.20M |
| Pretax Income | $492.73M | -$4.81M |
| Net Income | $1.93B | -$5.16M |
| EBITDA | $720.31M | -$9.49M |
| EPS (Diluted) | $5.53 | -$0.03 |
Margins
| Measure | Affirm | Industry median |
|---|---|---|
| Operating Margin | 9.79% | -125.1% |
| Pretax Margin | 11.6% | -25.1% |
| Profit Margin | 45.3% | -21.0% |
| EBITDA Margin | 16.9% | -67.0% |
| FCF Margin | 23.3% | -22.8% |
Returns
| Measure | Affirm | Industry median |
|---|---|---|
| Return on Equity (ROE) | 45.1% | -22.5% |
| Return on Assets (ROA) | 14.3% | -11.8% |
| Return on Invested Capital (ROIC) | 15.0% | -33.3% |
Growth
| Measure | Affirm | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 32.2% | 19.7% |
| Net Income Growth (YoY) | 3597.9% | -51.5% |
| EPS Growth (YoY) | 3586.7% | 4.95% |
| FCF Growth (YoY) | 65.0% | 18.7% |
| Revenue Growth (3Y CAGR) | 39.0% | 5.53% |
| Revenue Growth (5Y CAGR) | 37.4% | 10.1% |
Balance sheet
| Measure | Affirm | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $1.63B | $20.81M |
| Net Cash (Debt) | $1.63B | $7.60M |
| Net Cash Per Share | $4.83 | $0.22 |
| Equity (Book Value) | $5.48B | $165.65M |
| Book Value Per Share | $16.25 | $3.72 |
| Tangible Book Value | $4.93B | $127.24M |
Financial position
| Measure | Affirm | Industry median |
|---|---|---|
| Interest Coverage | 0.92 | -8.59 |
Cash flow (trailing twelve months)
| Measure | Affirm | Industry median |
|---|---|---|
| Operating Cash Flow | $1.23B | -$5.36M |
| Capital Expenditures | -$238.35M | -$5.04M |
| Free Cash Flow | $992.63M | -$15.68M |
| FCF Per Share | $2.94 | -$0.26 |
Efficiency
| Measure | Affirm | Industry median |
|---|---|---|
| Asset Turnover | 0.32 | 0.16 |
| Revenue Per Employee | $1.81M | $705.30K |
| Profits Per Employee | $818.40K | -$258.90K |
| Employee Count | 2,358 | 48 |
Dividends and yields
| Measure | Affirm | Industry median |
|---|---|---|
| Earnings Yield | 7.86% | -10.2% |
| FCF Yield | 4.04% | -11.4% |
| Buyback Yield | 0.00% | 0.06% |
| Shareholder Yield | 0.00% | 0.12% |
Shares
| Measure | Affirm | Industry median |
|---|---|---|
| Shares Outstanding | 337,421,000 | 57,205,350 |
| Shares Change (YoY) | 2.29% | 12.9% |
| Float | 332,843,000 | 43,350,400 |
| Shares Held by Insiders | 1.36% | 18.5% |
| Shares Held by Institutions | 77.1% | 34.2% |
Taxes
| Measure | Affirm | Industry median |
|---|---|---|
| Income Tax | -$1.44B | $82.74K |
| Effective Tax Rate | -291.7% | 22.6% |
Scores
| Measure | Affirm | Industry median |
|---|---|---|
| Graham Number | $44.97 | $33.10 |
| Graham Upside | -38.2% | 12.5% |
| Altman Z-Score | 1.69 | 0.34 |
| Piotroski F-Score | 5 | 4 |
Calculated by StockData from Affirm's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.