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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| AFRM | +38.91% | -33.9% | -7.95% | -22% |
| S&P | +19.32% | +83.47% | +12.91% | +83% |
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce. Its platform consists of three core elements: a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company was founded by Max R. Levchin in 2012 and is headquartered in San Francisco, CA.
Investors liked what the CFO had to share.
A top manager at the company tried to assuage concerns that the customer base might rein in its spending.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $861.79M | 33.8% |
| Gross Profit | $662.65M | 31.9% |
| Gross Margin | 76.89% | -1.1% |
| Market Cap | $23.80B | 87.4% |
| Market Cap / Employee | $10.79M | 0.0% |
| Employees | 2.2K | 10.0% |
| Net Income | $80.69M | 180.5% |
| EBITDA | $400.82M | 120.3% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $2.10B | 51.5% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $7.75B | 15.8% |
| Short Term Debt | $12.31M | -95.5% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.16% | 7.0% |
| Return On Invested Capital | -7.75% | 5.3% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $320.65M | 110.0% |
| Operating Free Cash Flow | $375.02M | 90.5% |
| Metric | Q2 2025 | Q3 2025 | YoY Change | ||
|---|---|---|---|---|---|
| Price to Earnings | 497.41 | 106.59 | - | ||
| Price to Book | 6.74 | 5.12 | 7.76 | 7.74 | 71.28% |
| Price to Sales | 8.14 | 5.60 | 7.54 | 7.95 | 42.38% |
| Price to Tangible Book Value | 8.37 | 6.34 | 9.53 | 9.42 | 67.99% |
| Price to Free Cash Flow TTM | 33.32 | 24.46 | 37.36 | 33.07 | -1.50% |
| Enterprise Value to EBITDA | 83.52 | 66.97 | 71.88 | 76.11 | -21.91% |
| Free Cash Flow Yield | 3.0% | 4.1% | 2.7% | 3.0% | 1.52% |
| Return on Equity | -7.3% | -2.3% | 1.8% | 7.6% | -146.01% |
| Total Debt | $7.34B | $7.18B | $7.64B | $7.76B | 11.43% |
Earnings season isn't over yet.
Discussing Affirm's latest partnership announcement and its 44% stock increase.
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AFRM earnings call for the period ending December 31, 2024.
AFRM earnings call for the period ending September 30, 2024.
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