Is Affirm Holdings, Inc. (AFRM) Overvalued?
We dive into why Affirm Holdings, Inc. (AFRM) could be considered overvalued on 2026-07-20, based on AAII’s Value Score and Grade.Jenna Brashear
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COMPANY SUMMARY
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company’s commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company’s merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
Commentary & Analysis
Why Affirm Holdings, Inc.’s (AFRM) Stock Is Up 9.60%
As of Wednesday, June 24, Affirm Holdings, Inc.’s AFRM share price has surged by 9.60%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Affirm Holdings, Inc.’s (AFRM) Stock Is Up 10.14%
As of Wednesday, June 24, Affirm Holdings, Inc.’s AFRM share price has surged by 10.14%, which has investors questioning if this is right time to sell.Omar Beirat
Why Affirm Holdings, Inc.’s (AFRM) Stock Is Up 8.12%
As of Monday, June 15, Affirm Holdings, Inc.’s AFRM share price has surged by 8.12%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Affirm Holdings, Inc.’s (AFRM) Stock Is Up 10.16%
As of Monday, June 15, Affirm Holdings, Inc.’s AFRM share price has surged by 10.16%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | AFRM | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $23,948.6 | $2,409.3 | 88% |
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| Shares Out (Mil) | 348.1 | 72.0 | 85% |
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| Institutional Ownership | 89.4% | 86.6% | 57% |
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| Float (Mil) | 281.3 | 61.7 | 79% |
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| Beta | 3.72 | 0.93 | 99% |
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| Avg Daily Volume (000s) | 3,469 | 441 | 89% |
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| Price Change (52-week) |
6.1% | 76.1% | 50% |
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| Growth | AFRM | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 44.6% | 10.9% | 94% |
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| Net Income (5yr) | 19.8% | 8.2% | 73% |
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| EPS (5yr) | 15.5% | 11.4% | 58 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | 33.9% | (15.0%) | 88% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 8 | 8 | |
| Current EPS | $0.820 | $3.084 | $3.719 | |
| Month Ago EPS | $0.827 | $3.103 | $3.777 | |
| # Rev Up | 1 | 1 | 0 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.881 | $3.132 | $3.759 | |
| Year/Year Chg | 177.0% | 1,916% | 2,991% | |
| Financials | AFRM | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $3,972 | $1,233 | 71% |
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| Net Income (TTM) (Mil) | $382 | $73 | 76% |
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| EPS (TTM) | $1.151 | $0.700 | 63% |
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| Operating Cash Flow (TTM) (Mil) | $1,009 | $165 | 81% |
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| Net Cash Flow (TTM) (Mil) | $738 | $22 | 93% |
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| Long-Term Debt (Q1) (Mil) | $9,087 | $696 | 91% |
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| Enterprise Value (Q1) (Mil) | $28,759 | $3,560 | 87% |
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| Valuation | AFRM | Industry Median |
Percentile (All Stocks) |
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| P/B | 6.33 | 1.44 | 83% |
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| P/E | 67.6 | 15.1 | 89% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 4.4 | 1.0 | 85% |
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| Ratios | AFRM | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 48.4% | 60.7% | 60% |
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| Net Margin | 9.6% | 7.0% | 62% |
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| ROA | 3.2% | 1.1% | 63% |
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| ROE | 11.5% | 11.5% | 62% |
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| Liabilities to Assets | 71.2% | 75.2% | 67% |
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| F-Score | 7 | 5 | 84% |
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Affirm Holdings, Inc. did not pass any screens on 7/31/2026.
