XNAS · Credit Services
Last stored close · Nov 10, 2026
Close · Nov 10, 2026
$65.95-3.06%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
47/100
Moderate
Score components
TickerWhale View
Affirm Holdings Inc - scores 47 out of 100 overall, which we rate moderate. Quality & growth is its strongest area and Technical its weakest.
What helps
- Quality & growth
- Sentiment Signal
What to watch
- Technical
- Valuation
- Risk
Quality & growth
30%99Strong
- Revenue growth 29.6%
- EPS growth 4500.0%
Valuation
25%16Weak
- P/E 11.9
- EV/Sales 21.6
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant-subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
#426 by market cap in our coverage · ~2,206 employees · Listed 2021-01-13 · www.affirm.com
Price history
Intraday to five-year windows are free with an account
Members switch between 1D, 1M, 6M, 1Y, 2Y and 5Y and see the live price. Signed out, this is the one-year stored series the technicals below are computed from.
Market intelligence
Peer position
#120 / 196sector rank by TickerWhale Score
TickerWhale Score 47 vs sector average 50.5 (-3.5)
Revenue growth (industry)Top 24%
Return on equity (industry)Top 24%
P/E (industry)Cheaper than 59%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
16/100Weak vs universe
Ranks 16th of 100 covered names on our technical composite — the composite itself scores 26/100 · 25% of the TickerWhale Score
Classic chart indicators
Sell
2 buy · 4 sell · 2 neutral of 8 votes
TickerWhale rates AFRM's technical setup weak — 16th percentile of the covered universe. Classic chart indicators lean sell, pointing the same way.
Moving averages
0 / 9constructive
- vs 200-day-0.8%
- vs 50-day-8.6%
Momentum
Mixed
- RSI (14)38 · neutral
- Stochasticbuy
- CCIsell
- Williams %Rbuy
Trend
Mixed
- ADX (14) trend strength10· weak trend
- MACD (12,26,9)sell(histogram -0.758)
How the classic verdict is reached
Moving averages (9) agree on sell — 0 buy vs 9 sell — and carry one vote between them.
Oscillators (7) vote individually: 2 buy · 3 sell · 2 neutral.
Result — 2 buy vs 4 sell of 8 votes = Sell. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-11-10 · revised_latestValuation multiples
- P/E (TTM)11.9
- P/S (TTM)16.0
- P/B4.2
- EV/EBITDA—
- EV/Sales21.6
- PEG—
Profitability & returns
- Gross margin—
- Net margin133.7%
- ROE41.6%
- Debt/Equity1.79
Growth
- Revenue growth (YoY)29.6%
- EPS growth (YoY)4500.0%
Green favourable · red stretched — multiples and D/E vs industry peers, margins and growth vs absolute thresholds.
Market capitalisation — $23.1B
Fundamentals history
Reported statement totals across recent periods.
| Metric | Jun '25 | Jun '24 | Jun '23 |
|---|---|---|---|
| Revenue | $3.2B | $2.3B | $1.6B |
| Gross profit | $1.5B | $994M | $676M |
| Operating income | -$87M | -$616M | -$1.2B |
| Net income | $52M | -$518M | -$985M |
| EPS (diluted) | $0.15 | $-1.67 | $-3.34 |
| Free cash flow | $602M | $291M | -$109M |
| Cash | $1.8B | $1.3B | $1.3B |
| Total debt | $7.8B | $6.6B | $5.4B |
| Equity | $3.1B | $2.7B | $2.5B |
| Net debt | $6.1B | $5.3B | $4.1B |
| Debt / equity | 2.55 | 2.41 | 2.13 |
| Liabilities / assets | 0.72 | 0.71 | 0.69 |
Fundamentals are stored revised/latest (ADR-009): each period reflects the most recent vendor refresh, NOT point-in-time as-reported values. Do not use this series to claim what was known on a past date.
Model Target
Model Target is a Pro feature
Scores, factors and technicals stay free. The model's price target is part of TickerWhale Pro.
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Or see the current free one: KNSA →
Peers
| Company | Score | Pulse | P/E | P/E fwd | P/B | EV/Sales | Price | Chg | Estimate | Upside | Rev. gr. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| AFRMCurrentAffirm Holdings Inc - | 47 | 26 | 11.9 | — | 4.2 | 21.6 | $65.95 | -3.06% | +29.6% | ||
| WTMWhite Mountains Insurance Group | 89 | 74 | 5.0 | — | 1.0 | 1.6 | $2,280.00 | +1.05% | +55.5% | ||
| JXNJackson Financial Inc - | 81 | 78 | 164.4 | — | 1.0 | 1.1 | $138.01 | +1.84% | +15.1% | ||
| ALLAllstate Corp (The) | 80 | 73 | 5.1 | — | 2.0 | 1.1 | $261.12 | +2.89% | +5.9% | ||
| FHIFederated Hermes Inc - | 79 | 81 | 12.0 | — | 3.8 | 2.5 | $65.53 | +0.89% | +15.0% | ||
| AMGAffiliated Managers Group | 76 | 81 | 12.6 | — | 3.6 | 5.9 | $401.32 | +4.74% | +11.8% |
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