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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| AFRM | +8.6% | -36.17% | -8.59% | -48% |
| S&P | +21.6% | +71.83% | +11.43% | +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.
Affirm and Chime Financial have plenty of room to grow.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.03B | 29.0% |
| Gross Profit | $792.78M | 26.8% |
| Gross Margin | 77.20% | -1.3% |
| Market Cap | $24.57B | 28.5% |
| Market Cap / Employee | $11.14M | 0.0% |
| Employees | 2.2K | 10.0% |
| Net Income | $129.59M | 61.3% |
| EBITDA | $518.88M | 65.3% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $2.09B | 20.6% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $9.04B | 29.4% |
| Short Term Debt | $8.13M | -97.7% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.41% | 4.4% |
| Return On Invested Capital | -7.75% | 5.3% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $118.32M | -55.9% |
| Operating Free Cash Flow | $174.02M | -44.2% |
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change | |
|---|---|---|---|---|---|
| Price to Earnings | 539.73 | 108.30 | 91.56 | - | |
| Price to Book | 5.12 | 7.76 | 7.74 | 7.45 | 10.43% |
| Price to Sales | 5.60 | 7.94 | 7.95 | 7.58 | -6.84% |
| Price to Tangible Book Value | 6.34 | 9.53 | 9.42 | 8.91 | 6.52% |
| Price to Free Cash Flow TTM | 24.46 | 39.36 | 33.07 | 41.95 | 25.90% |
| Enterprise Value to EBITDA | 67.24 | 75.06 | 76.11 | 62.56 | -25.09% |
| Free Cash Flow Yield | 4.1% | 2.5% | 3.0% | 2.4% | -20.57% |
| Return on Equity | -2.3% | 1.8% | 7.6% | 8.9% | -221.48% |
| Total Debt | $7.18B | $7.64B | $7.76B | $9.05B | 23.34% |
Earnings season isn't over yet.
Discussing Affirm's latest partnership announcement and its 44% stock increase.
We've been talking a lot about newly public companies this year.
Here's a roundup of some current and future IPOs that have caught our attention.
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