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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| AFRM | +63.45% | N/A | N/A | -27% |
| S&P | +18.54% | +92.9% | +14.04% | +78% |
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.
The fintech industry is growing rapidly, which is attracting stock market investors.
The company delivered a fourth quarter that crushed analyst estimates.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $876.42M | 33.0% |
| Gross Profit | $748.07M | 31.2% |
| Gross Margin | 85.36% | -1.1% |
| Market Cap | $22.30B | 138.8% |
| Market Cap / Employee | $10.11M | 0.0% |
| Employees | 2.2K | 10.0% |
| Net Income | $69.24M | 253.4% |
| EBITDA | $288.43M | 114.0% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $1.76B | 35.6% |
| Accounts Receivable | $426.18M | 20.7% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $7.44B | 21.8% |
| Short Term Debt | $199.76M | -42.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.50% | 6.4% |
| Return On Invested Capital | -13.00% | 3.3% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $23.52M | -22.9% |
| Operating Free Cash Flow | $74.64M | 8.5% |
| Metric | Q2 2025 | YoY Change | |||
|---|---|---|---|---|---|
| Price to Earnings | 539.73 | - | |||
| Price to Book | 4.52 | 6.74 | 5.12 | 7.76 | 118.31% |
| Price to Sales | 5.14 | 7.51 | 5.17 | 7.35 | 79.04% |
| Price to Tangible Book Value | 5.61 | 8.37 | 6.34 | 9.53 | 111.86% |
| Price to Free Cash Flow TTM | 34.14 | 34.29 | 25.55 | 39.36 | 20.12% |
| Enterprise Value to EBITDA | 245.71 | 114.62 | 93.61 | 100.26 | -2.25% |
| Free Cash Flow Yield | 2.9% | 2.9% | 3.9% | 2.5% | -16.75% |
| Return on Equity | -16.5% | -7.3% | -2.3% | 1.8% | -109.15% |
| Total Debt | $6.97B | $7.34B | $7.18B | $7.64B | 18.39% |
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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