Affirm Holdings Net Income
| AFRM Stock | USD 59.42 2.74 4.41% |
As of the 6th of February, Affirm Holdings shows the risk adjusted performance of (0.03), and Mean Deviation of 2.79. Affirm Holdings technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Affirm Holdings market risk adjusted performance, information ratio, as well as the relationship between the Information Ratio and skewness to decide if Affirm Holdings is priced correctly, providing market reflects its regular price of 59.42 per share. Given that Affirm Holdings has information ratio of (0.07), we suggest you to validate Affirm Holdings's prevailing market performance to make sure the company can sustain itself at a future point.
Affirm Holdings Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 7.5361 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 47 M | 49.3 M | |
| Net Loss | -886.8 M | -842.5 M | |
| Net Income | 47 M | 49.3 M | |
| Net Income Per Share | 0.19 | 0.20 | |
| Net Income Per E B T | 0.98 | 1.07 |
Affirm | Net Income | Build AI portfolio with Affirm Stock |
Evaluating Affirm Holdings's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Affirm Holdings's fundamental strength.
Latest Affirm Holdings' Net Income Growth Pattern
Below is the plot of the Net Income of Affirm Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Affirm Holdings financial statement analysis. It represents the amount of money remaining after all of Affirm Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Affirm Holdings' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Affirm Holdings' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 52.19 M | 10 Years Trend |
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Net Income |
| Timeline |
Affirm Net Income Regression Statistics
| Arithmetic Mean | (217,633,519) | |
| Geometric Mean | 151,420,623 | |
| Coefficient Of Variation | (129.93) | |
| Mean Deviation | 209,530,814 | |
| Median | (120,455,000) | |
| Standard Deviation | 282,771,011 | |
| Sample Variance | 79959.4T | |
| Range | 1B | |
| R-Value | (0.19) | |
| Mean Square Error | 82304.9T | |
| R-Squared | 0.04 | |
| Significance | 0.47 | |
| Slope | (10,476,162) | |
| Total Sum of Squares | 1279351.1T |
Affirm Net Income History
Other Fundumenentals of Affirm Holdings
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Affirm Holdings Net Income component correlations
Affirm Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Affirm Holdings is extremely important. It helps to project a fair market value of Affirm Stock properly, considering its historical fundamentals such as Net Income. Since Affirm Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Affirm Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Affirm Holdings' interrelated accounts and indicators.
Click cells to compare fundamentals
Will Data Processing & Outsourced Services sector continue expanding? Could Affirm diversify its offerings? Factors like these will boost the valuation of Affirm Holdings. If investors know Affirm will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Affirm Holdings data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Earnings Share 0.7 | Revenue Per Share | Quarterly Revenue Growth 0.336 | Return On Assets | Return On Equity |
Understanding Affirm Holdings requires distinguishing between market price and book value, where the latter reflects Affirm's accounting equity. The concept of intrinsic value - what Affirm Holdings' is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Affirm Holdings' price substantially above or below its fundamental value.
Understanding that Affirm Holdings' value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Affirm Holdings represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, Affirm Holdings' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Affirm Holdings 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Affirm Holdings' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Affirm Holdings.
| 11/08/2025 |
| 02/06/2026 |
If you would invest 0.00 in Affirm Holdings on November 8, 2025 and sell it all today you would earn a total of 0.00 from holding Affirm Holdings or generate 0.0% return on investment in Affirm Holdings over 90 days. Affirm Holdings is related to or competes with Samsara, VeriSign, Toast, Check Point, Grab Holdings, PTC, and Figma. Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and intern... More
Affirm Holdings Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Affirm Holdings' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Affirm Holdings upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.07) | |||
| Maximum Drawdown | 18.92 | |||
| Value At Risk | (4.99) | |||
| Potential Upside | 6.01 |
Affirm Holdings Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Affirm Holdings' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Affirm Holdings' standard deviation. In reality, there are many statistical measures that can use Affirm Holdings historical prices to predict the future Affirm Holdings' volatility.| Risk Adjusted Performance | (0.03) | |||
| Jensen Alpha | (0.31) | |||
| Total Risk Alpha | (0.41) | |||
| Treynor Ratio | (0.10) |
Affirm Holdings February 6, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.03) | |||
| Market Risk Adjusted Performance | (0.09) | |||
| Mean Deviation | 2.79 | |||
| Coefficient Of Variation | (1,771) | |||
| Standard Deviation | 3.84 | |||
| Variance | 14.73 | |||
| Information Ratio | (0.07) | |||
| Jensen Alpha | (0.31) | |||
| Total Risk Alpha | (0.41) | |||
| Treynor Ratio | (0.10) | |||
| Maximum Drawdown | 18.92 | |||
| Value At Risk | (4.99) | |||
| Potential Upside | 6.01 | |||
| Skewness | 0.9027 | |||
| Kurtosis | 1.73 |
Affirm Holdings Backtested Returns
Affirm Holdings secures Sharpe Ratio (or Efficiency) of -0.0984, which signifies that the company had a -0.0984 % return per unit of standard deviation over the last 3 months. Affirm Holdings exposes twenty-two different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please confirm Affirm Holdings' risk adjusted performance of (0.03), and Mean Deviation of 2.79 to double-check the risk estimate we provide. The firm shows a Beta (market volatility) of 2.23, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Affirm Holdings will likely underperform. At this point, Affirm Holdings has a negative expected return of -0.35%. Please make sure to confirm Affirm Holdings' jensen alpha, as well as the relationship between the skewness and day median price , to decide if Affirm Holdings performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.46 |
Modest reverse predictability
Affirm Holdings has modest reverse predictability. Overlapping area represents the amount of predictability between Affirm Holdings time series from 8th of November 2025 to 23rd of December 2025 and 23rd of December 2025 to 6th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Affirm Holdings price movement. The serial correlation of -0.46 indicates that about 46.0% of current Affirm Holdings price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.46 | |
| Spearman Rank Test | -0.22 | |
| Residual Average | 0.0 | |
| Price Variance | 45.61 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Affirm Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Affirm Holdings reported net income of 52.19 M. This is 90.32% lower than that of the Professional Services sector and significantly higher than that of the Industrials industry. The net income for all United States stocks is 90.86% higher than that of the company.
Affirm Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Affirm Holdings' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Affirm Holdings could also be used in its relative valuation, which is a method of valuing Affirm Holdings by comparing valuation metrics of similar companies.Affirm Holdings is currently under evaluation in net income category among its peers.
Affirm Holdings Current Valuation Drivers
We derive many important indicators used in calculating different scores of Affirm Holdings from analyzing Affirm Holdings' financial statements. These drivers represent accounts that assess Affirm Holdings' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Affirm Holdings' important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 5.1B | 4.5B | 9.2B | 22.3B | 20.1B | 21.1B | |
| Enterprise Value | 8.0B | 9.1B | 14.8B | 28.8B | 25.9B | 27.2B |
Affirm Holdings ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Affirm Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Affirm Holdings' managers, analysts, and investors.Environmental | Governance | Social |
Affirm Holdings Institutional Holders
Institutional Holdings refers to the ownership stake in Affirm Holdings that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Affirm Holdings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Affirm Holdings' value.| Shares | T. Rowe Price Associates, Inc. | 2025-06-30 | 3.3 M | Foxhaven Asset Management, Lp | 2025-06-30 | 2.9 M | Norges Bank | 2025-06-30 | 2.7 M | Charles Schwab Investment Management Inc | 2025-06-30 | 2.4 M | Wellington Management Company Llp | 2025-06-30 | 2.1 M | Atreides Management, Lp | 2025-06-30 | 2 M | Bank Of America Corp | 2025-06-30 | 1.9 M | Goldman Sachs Group Inc | 2025-06-30 | 1.9 M | Spyglass Capital Management Llc | 2025-06-30 | 1.7 M | Vanguard Group Inc | 2025-06-30 | 24.2 M | Capital Research Global Investors | 2025-06-30 | 23.7 M |
Affirm Fundamentals
| Return On Equity | 0.076 | ||||
| Return On Asset | 0.0063 | ||||
| Profit Margin | 0.07 % | ||||
| Operating Margin | 0.07 % | ||||
| Current Valuation | 26.18 B | ||||
| Shares Outstanding | 289.36 M | ||||
| Shares Owned By Insiders | 4.40 % | ||||
| Shares Owned By Institutions | 83.42 % | ||||
| Number Of Shares Shorted | 15.85 M | ||||
| Price To Book | 6.17 X | ||||
| Price To Sales | 5.93 X | ||||
| Revenue | 3.22 B | ||||
| Gross Profit | 1.65 B | ||||
| EBITDA | 711.99 M | ||||
| Net Income | 52.19 M | ||||
| Cash And Equivalents | 1.56 B | ||||
| Cash Per Share | 5.38 X | ||||
| Total Debt | 7.85 B | ||||
| Debt To Equity | 1.58 % | ||||
| Current Ratio | 19.48 X | ||||
| Book Value Per Share | 9.99 X | ||||
| Cash Flow From Operations | 793.91 M | ||||
| Short Ratio | 3.11 X | ||||
| Earnings Per Share | 0.70 X | ||||
| Price To Earnings To Growth | 0.48 X | ||||
| Target Price | 91.73 | ||||
| Number Of Employees | 2.21 K | ||||
| Beta | 3.58 | ||||
| Market Capitalization | 20.52 B | ||||
| Total Asset | 11.15 B | ||||
| Retained Earnings | (3.06 B) | ||||
| Working Capital | 9.58 B | ||||
| Net Asset | 11.15 B |
About Affirm Holdings Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Affirm Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Affirm Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Affirm Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Data Processing & Outsourced Services sector continue expanding? Could Affirm diversify its offerings? Factors like these will boost the valuation of Affirm Holdings. If investors know Affirm will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Affirm Holdings data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Earnings Share 0.7 | Revenue Per Share | Quarterly Revenue Growth 0.336 | Return On Assets | Return On Equity |
Understanding Affirm Holdings requires distinguishing between market price and book value, where the latter reflects Affirm's accounting equity. The concept of intrinsic value - what Affirm Holdings' is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Affirm Holdings' price substantially above or below its fundamental value.
Understanding that Affirm Holdings' value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Affirm Holdings represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, Affirm Holdings' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.