XNAS · Credit Services
Last stored close · Sep 18, 2026
Close · Sep 18, 2026
$71.21+1.32%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
51/100
Moderate
Score components
TickerWhale View
Affirm Holdings Inc - scores 51 out of 100 overall, which we rate moderate. Quality & growth is its strongest area and Valuation its weakest.
What helps
- Quality & growth
- Sentiment Signal
What to watch
- Technical
- Valuation
- Risk
Quality & growth
30%100Strong
- Revenue growth 29.6%
- EPS growth 4500.0%
Valuation
25%12Weak
- P/E 12.9
- EV/Sales 22.9
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.
#402 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
#95 / 197sector rank by TickerWhale Score
TickerWhale Score 51 vs sector average 49.7 (+1.3)
Revenue growth (industry)Top 24%
Return on equity (industry)Top 24%
P/E (industry)Cheaper than 53%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
36/100Weak vs universe
Ranks 36th of 100 covered names on our technical composite — the composite itself scores 40/100 · 25% of the TickerWhale Score
Classic chart indicators
Neutral
2 buy · 2 sell · 4 neutral of 8 votes
TickerWhale rates AFRM's technical setup weak — 36th percentile of the covered universe. Classic chart indicators lean neutral — they read this stock on its own over days, where our score ranks it against every covered name over months, so the two often part company.
Moving averages
2 / 9constructive
- vs 200-day+6.8%
- vs 50-day-5.0%
Momentum
Mixed
- RSI (14)46 · neutral
- Stochasticbuy
- CCIneutral
- Williams %Rneutral
Trend
Mixed
- ADX (14) trend strength9· weak trend
- MACD (12,26,9)sell(histogram -0.129)
How the classic verdict is reached
Moving averages (9) agree on sell — 2 buy vs 6 sell — and carry one vote between them.
Oscillators (7) vote individually: 2 buy · 1 sell · 4 neutral.
Result — 2 buy vs 2 sell of 8 votes = Neutral. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-09-18 · revised_latestValuation multiples
- P/E (TTM)12.9
- P/S (TTM)17.2
- P/B4.5
- EV/EBITDA—
- EV/Sales22.9
- 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 — $24.9B
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.
The Model Target is a TickerWhale Pro feature
A target exists for this name — the model priced it in the latest nightly run. Pro members see the target, its range and the methods behind it; one name's target is free every trading day.
Or see the current free one: MU →
Peers
| Company | Score | Pulse | P/E | P/E fwd | P/B | EV/Sales | Price | Chg | Estimate | Upside | Rev. gr. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| AFRMCurrentAffirm Holdings Inc - | 51 | 40 | 12.9 | — | 4.5 | 22.9 | $71.21 | +1.32% | +29.6% | ||
| WTMWhite Mountains Insurance Group | 84 | 52 | 4.5 | — | 0.9 | 1.5 | $2,061.30 | +0.14% | +55.5% | ||
| JXNJackson Financial Inc - | 83 | 74 | 158.1 | — | 0.9 | 1.0 | $132.67 | +2.54% | +15.1% | ||
| FBPFirst Bancorp PR | 80 | 69 | 11.4 | — | 2.2 | 3.1 | $27.58 | +0.22% | +2.7% | ||
| AMPAmeriprise Financial | 78 | 69 | 12.8 | — | 7.9 | 2.4 | $544.33 | -0.25% | +9.1% | ||
| SEICSEI Investments Company | 76 | 72 | 18.4 | — | 5.2 | 5.2 | $105.20 | +0.33% | +11.1% |
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