AFRM:NSD-Affirm Holdings Inc (USD)

COMMON STOCK | Information Technology Services | NSD

Last Closing Price

USD 151.14

Change

-0.72 (-0.47)%

Market Cap

USD 44.22B

Volume

8.94M

Avg Analyst Target

USD 103.88 (-31.27%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California. Address: 650 California Street, San Francisco, CA, United States, 94108

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-10-27 )

Largest Industry Peers for Information Technology Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
FISV Fiserv Inc

-11.01 (-10.02%)

USD72.74B 65.34 17.30
CTSH Cognizant Technology Solutions..

-1.04 (-1.32%)

USD41.58B 25.05 13.70
CDW CDW Corporation

-4.10 (-2.18%)

USD26.03B 28.98 18.28
JKHY Jack Henry & Associates Inc

-9.35 (-5.37%)

USD12.88B 42.25 22.52
GDS GDS Holdings Limited

-0.08 (-0.13%)

USD11.29B 241.43 5.28
CNXC Concentrix Corporation

-5.38 (-2.95%)

USD9.63B 27.88 12.61
FLYW Flywire Corporation

-1.91 (-4.01%)

USD4.99B N/A N/A
TTEC TTEC Holdings Inc

-0.61 (-0.67%)

USD4.29B 26.44 16.19
EXLS ExlService Holdings Inc

-1.56 (-1.25%)

USD4.17B 36.07 17.15
PRFT Perficient Inc

-1.29 (-1.05%)

USD4.06B 90.85 33.94

ETFs Containing AFRM

Symbol Name Weight Mer Price(Change) Market Cap
FFTY Innovator ETFs Trust - In.. 0.00 % 0.80 %

-0.90 (-1.82%)

USD0.24B
FINX Global X FinTech ETF 0.00 % 0.68 %

-1.57 (-3.00%)

USD1.31B
IPAY ETF Series Solutions - IS.. 0.00 % 0.75 %

-3.35 (-4.81%)

USD1.25B
XSW SPDR S&P Software & Servi.. 0.00 % 0.35 %

-3.85 (-2.11%)

USD0.53B
LOUP Innovator ETFs Trust - In.. 0.00 % 0.70 %

-0.88 (-1.60%)

USD0.08B
SFYX Tidal ETF Trust - SoFi Ne.. 0.00 % 0.00 %

-0.21 (-1.40%)

USD0.02B
LEND Amplify CrowdBureau(R) On.. 0.00 % 0.65 %

N/A

USD1.17M
TPAY Managed Portfolio Series .. 0.00 % 0.40 %

-2.20 (-4.74%)

N/A
TAAG Trend Aggregation Growth .. 0.00 % 1.69 %

N/A

N/A
VFIN Simplify Volt Fintech Dis.. 0.00 % 1.03 %

-0.37 (-2.97%)

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Information Technology Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Trailing 12 Months  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) N/A N/A N/A N/A N/A
Risk Adjusted Return N/A N/A N/A N/A N/A
Market Capitalization 44.22B 98% A+ 97% A+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Information Technology Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio N/A N/A N/A N/A N/A
Price/Book Ratio 16.70 10% F 7% F
Price / Cash Flow Ratio -228.98 88% B+ 93% A
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -28.56% 16% F 36% F
Return on Invested Capital -12.93% 19% F 32% F
Return on Assets -7.33% 15% F 31% F
Debt to Equity Ratio 73.90% 23% F 29% F
Technical Ratios  
Short Ratio 0.52 95% A 86% B
Short Percent 5.09% 34% F 34% F
Beta N/A N/A N/A N/A N/A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

Discussions

User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector