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AFRM

BEARISH
$46.88 Live
Affirm Holdings, Inc. · NASDAQ
Target $82.16 (+75.3%)
$30.9 52W Range $100.0
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Mar 14, 2026
Market cap
$15.62B
P/E
57.88
ROE
8.9%
Profit margin
7.6%
Debt/Equity
2.59
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
AFRM's Piotroski F-Score of 7/9 indicates strong operational health, but the absence of an Altman Z-Score raises concern about bankruptcy risk, particularly given a high Debt/Equity ratio of 2.59. The stock trades at a premium valuation (P/E 57.88 vs. sector average 30.46) despite mixed earnings quality, with recent Q/Q EPS growth at +213% but year-over-year EPS down 5.3%. Insider selling totaling $56.66M in the last six months signals bearish sentiment from management. While revenue and earnings growth remain robust (29.6% and 59.3% YoY), the lack of cash flow data and high leverage undermine financial stability. The current price of $46.88 is significantly above both the Graham Number ($13.95) and intrinsic value estimate ($23.9), suggesting a substantial valuation premium driven by growth expectations.

Key Strengths

Strong Piotroski F-Score of 7/9 indicating solid operational efficiency and profitability trends
High revenue and earnings growth rates (29.6% and 59.3% YoY respectively)
Significant positive earnings surprises in recent quarters (avg +37.94%)
Strong gross margin of 47.78% reflecting pricing power and cost control
Positive Q/Q EPS growth of 213.0%, signaling accelerating profitability

Key Risks

High Debt/Equity ratio of 2.59, well above sector average of 1.50, indicating elevated financial leverage
Insider selling of $56.66M in last 6 months with no buys, signaling potential misalignment with shareholders
Current price ($46.88) is nearly 200% above the Graham Number ($13.95) and 95% above intrinsic value ($23.9)
No available Free Cash Flow or Operating Cash Flow data, raising concerns about capital generation
Negative year-over-year EPS growth (-5.3%) despite strong Q/Q momentum, indicating potential sustainability issues
AI Fair Value Estimate
Based on comprehensive analysis
$23.9
-49.0% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
40
Moderate
Value
30
Future
75
Past
55
Health
40
Dividend
0
AI Verdict
neutral
Key drivers: Strong Piotroski F-Score and high growth rates, High valuation multiples and insider selling, Absence of Altman Z-Score and missing cash flow data
Confidence
80%
Value
30/100

Ref P/E, PEG, Graham Number

Positives
  • Growth-based intrinsic value of $23.9 suggests undervaluation if growth is sustained
Watchpoints
  • Current price is 200% above Graham Number ($13.95)
  • P/E of 57.88 is nearly double the sector average (30.46)
  • No PEG ratio available, but forward P/E of 12.29 suggests optimism, yet not supported by cash flow
Future
75/100

Ref Growth rates

Positives
  • 29.6% YoY revenue growth and 59.3% YoY earnings growth
  • Q/Q earnings growth of 61.3% and EPS growth of 213.0%
  • Recent positive earnings surprises averaging +37.94%
Watchpoints
  • Forward P/E of 12.29 is misleading without confirmed cash flow
  • Year-over-year EPS down 5.3% despite strong Q/Q growth, indicating volatility
Past
55/100

Ref Historical trends

Positives
  • 22 consecutive quarters of earnings reporting with 14 beats (63.6%)
  • Multiple quarters with surprise above 100% (e.g., +113.1%, +105.2%)
Watchpoints
  • Several quarters with large negative surprises (e.g., -281.9%, -152.6%)
  • Earnings volatility with wide swings in actual vs. estimated results
Health
40/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score of 7/9 indicates strong operational health and profitability
Watchpoints
  • No Altman Z-Score available, but high Debt/Equity (2.59) and low ROE (8.92%) suggest financial stress
  • Current ratio of 13.85 and quick ratio of 10.21 are unusually high, possibly due to excess cash or accounting anomalies
  • Missing total debt and cash data prevents full health assessment
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend paid, payout ratio 0.00%
  • Dividend yield and rate not applicable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$46.88
Analyst Target
$82.16
Upside/Downside
+75.3%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AFRM and closest competitors.

Updated 2026-03-13
AFR
Affirm Holdings, Inc.
Primary
5Y
-42.4%
3Y
+368.3%
1Y
-0.0%
6M
-43.6%
1M
-17.1%
1W
-9.3%
EWB
East West Bancorp, Inc.
Peer
5Y
+74.7%
3Y
+133.8%
1Y
+65.6%
6M
+9.4%
1M
+7.1%
1W
+4.8%
BSA
Banco Santander-Chile
Peer
5Y
+126.8%
3Y
+172.0%
1Y
+92.5%
6M
+54.5%
1M
+15.5%
1W
+8.6%
IRE
IREN Limited
Peer
5Y
+89.7%
3Y
+1824.1%
1Y
+348.9%
6M
+451.4%
1M
-31.8%
1W
-25.7%
ERI
Erie Indemnity Company
Peer
5Y
+25.4%
3Y
+14.0%
1Y
-32.1%
6M
-21.8%
1M
-0.3%
1W
+3.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
57.88
Forward P/E
12.29
PEG Ratio
N/A
P/B Ratio
4.39
P/S Ratio
4.2
EV/Revenue
6.25
EV/EBITDA
44.08
Market Cap
$15.62B

Profitability

Profit margins and return metrics

Profit Margin 7.6%
Operating Margin 10.47%
Gross Margin 47.78%
ROE 8.92%
ROA 1.23%

Growth

Revenue and earnings growth rates

Revenue Growth +29.6%
Earnings Growth +59.3%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +61.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.59
High debt
Current Ratio
13.85
Strong
Quick Ratio
10.21
Excellent
Cash/Share
$4.7

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07
$N/A
2026-02-05
$0.72
-13.9% surprise
2025-11-06
$0.23
+105.2% surprise
2025-08-28
$0.53
+22.5% surprise

Financial Services Sector Comparison

Comparing AFRM against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
57.88
This Stock
vs
46.02
Sector Avg
+25.8% (Expensive)
Return on Equity (ROE)
8.92%
This Stock
vs
0.23%
Sector Avg
+3798.1% (Excellent)
Profit Margin
7.6%
This Stock
vs
50.44%
Sector Avg
-84.9% (Weaker)
Debt to Equity
2.59
This Stock
vs
1.37
Sector Avg
+88.4% (Higher)
Revenue Growth
29.6%
This Stock
vs
37.35%
Sector Avg
-20.7% (Slower)
Current Ratio
13.85
This Stock
vs
3.28
Sector Avg
+322.4% (Stronger)

Similar Companies

Peer comparison within the same industry

AFRM Affirm Holdings, Inc.
BEARISH
Mkt Cap
$15.6B
P/E
57.9
ROE
8.9%
Price
$46.88
EWBC East West Bancorp, Inc.
BULLISH
Mkt Cap
$15.8B
P/E
12.0
ROE
15.9%
Price
$114.6
 Compare with AFRM
BSAC Banco Santander-Chile
NEUTRAL
Mkt Cap
$17.0B
P/E
14.2
ROE
23.2%
Price
$36.18
 Compare with AFRM
IREN IREN Limited
BEARISH
Mkt Cap
$13.8B
P/E
26.6
ROE
26.1%
Price
$46.37
 Compare with AFRM
ERIE Erie Indemnity Company
NEUTRAL
Mkt Cap
$13.2B
P/E
23.2
ROE
26.2%
Price
$253.38
 Compare with AFRM

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

JIYANE SIPHELELE N
Officer
Stock Award
2026-02-27
11,547 shares
ADKINS KATHERINE ELIZABETH
Officer
Stock Award
2026-02-27
10,593 shares
MICHALEK LIBOR
President
Stock Award
2026-02-27
11,362 shares
O'HARE ROBERT WARREN
Chief Financial Officer
Stock Award
2026-02-27
18,430 shares
LINFORD MICHAEL ALAN
Chief Operating Officer
Stock Award
2026-02-27
11,717 shares
LINFORD MICHAEL ALAN
Chief Operating Officer
Option Exercise
2026-02-09
20,000 shares · $980,000
ADKINS KATHERINE ELIZABETH
Officer
Stock Award
2026-01-30
1,401 shares
MICHALEK LIBOR
President
Stock Award
2026-01-30
2,335 shares
LINFORD MICHAEL ALAN
Chief Operating Officer
Option Exercise
2026-01-30
20,000 shares · $980,000
LINFORD MICHAEL ALAN
Chief Operating Officer
Stock Award
2026-01-30
2,335 shares
LEVCHIN MAKSIM RAFAEL
Chief Executive Officer
Sell
2026-01-05
666,666 shares · $53,747,814
O'HARE ROBERT WARREN
Chief Financial Officer
Sell
2026-01-05
36,401 shares · $2,912,080
LEVCHIN MAKSIM RAFAEL
Chief Executive Officer
Option Exercise
2026-01-05
666,666 shares · $32,666,634
O'HARE ROBERT WARREN
Chief Financial Officer
Option Exercise
2026-01-05
36,401 shares · $1,012,073
ADKINS KATHERINE ELIZABETH
Officer
Stock Award
2025-12-31
1,707 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
26 analysts
Truist Securities
2026-02-20
Maintains
Buy Buy
Baird
2026-02-20
init
Neutral
Cantor Fitzgerald
2026-02-09
reit
Overweight Overweight
Mizuho
2026-02-09
Maintains
Outperform Outperform
JP Morgan
2026-02-06
Maintains
Overweight Overweight
RBC Capital
2026-02-06
Maintains
Sector Perform Sector Perform
Oppenheimer
2026-02-06
Maintains
Outperform Outperform
Stephens & Co.
2026-02-06
Maintains
Equal-Weight Equal-Weight
Needham
2026-02-06
Maintains
Buy Buy
Morgan Stanley
2026-02-03
up
Equal-Weight Overweight

Past News Coverage

Recent headlines mentioning AFRM from our newsroom.

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