Affirm Holdings Stock Analysis

Affirm Stock Analysis Notes

About 84.0% of the company shares are held by institutions such as insurance companies. The book value of Affirm Holdings was presently reported as 10.68. The company has Price/Earnings To Growth (PEG) ratio of 0.35. Affirm Holdings had not issued any dividends in recent years. Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California. Affirm Holdings operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 2552 people. For more info on Affirm Holdings please contact Max Levchin at 415 960 1518 or go to https://www.affirm.com.

Affirm Holdings Investment Alerts

Affirm Largest EPS Surprises

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Affirm Holdings Environmental, Social, and Governance (ESG) Scores

Affirm Stock Institutional Investors

Note, although Affirm Holdings' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Affirm Market Capitalization

The company currently falls under 'Large-Cap' category with a current market capitalization of 16.59 B.

Affirm Profitablity

The company has Profit Margin (PM) of 0.08 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.1 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.1.

Management Efficiency

Affirm Holdings has return on total asset (ROA) of 0.0123 % which means that it generated a profit of $0.0123 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0892 %, meaning that it created $0.0892 on every $100 dollars invested by stockholders. Affirm Holdings' management efficiency ratios could be used to measure how well Affirm Holdings manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Affirm Holdings' Return On Tangible Assets are very stable compared to the past year. As of the 15th of February 2026, Return On Assets is likely to grow to 0, while Return On Capital Employed is likely to drop (0.01). At this time, Affirm Holdings' Return On Tangible Assets are very stable compared to the past year. As of the 15th of February 2026, Intangibles To Total Assets is likely to grow to 0.05, while Net Tangible Assets are likely to drop about 1.2 B.

Technical Drivers

As of the 15th of February 2026, Affirm Holdings shows the risk adjusted performance of (0.11), and Mean Deviation of 2.8. 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 49.81 per share. Given that Affirm Holdings has information ratio of (0.17), 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 Price Movement Analysis

Affirm Holdings Insider Trading Activities

Affirm Holdings Outstanding Bonds

Affirm Holdings Predictive Daily Indicators

Affirm Holdings Corporate Filings

Affirm Holdings Forecast Models

Affirm Holdings' time-series forecasting models are one of many Affirm Holdings' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Affirm Holdings' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Affirm Holdings Bond Ratings

Affirm Holdings financial ratings play a critical role in determining how much Affirm Holdings have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Affirm Holdings' borrowing costs.

Affirm Holdings Debt to Cash Allocation

Affirm Holdings currently holds 7.85 B in liabilities with Debt to Equity (D/E) ratio of 1.58, which is about average as compared to similar companies. Affirm Holdings has a current ratio of 19.09, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about Affirm Holdings' use of debt, we should always consider it together with its cash and equity.

Affirm Holdings Total Assets Over Time

Affirm Holdings Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Affirm Holdings uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Affirm Holdings Debt Ratio

48.0

It appears that about 52% of Affirm Holdings' assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Affirm Holdings' operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Affirm Holdings, which in turn will lower the firm's financial flexibility.

Affirm Holdings Corporate Bonds Issued

Affirm Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Affirm Holdings prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Affirm shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Affirm Holdings. By using and applying Affirm Stock analysis, traders can create a robust methodology for identifying Affirm entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Affirm analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Affirm analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Affirm Holdings stock analysis indicators help investors evaluate how Affirm Holdings stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Affirm Holdings shares will generate the highest return on investment. By understating and applying Affirm Holdings stock analysis, traders can identify Affirm Holdings position entry and exit signals to maximize returns.

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Affirm Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real. To learn how to invest in Affirm Stock, please use our How to Invest in Affirm Holdings guide.You can also try the ETF Categories module to list of ETF categories grouped based on various criteria, such as the investment strategy or type of investments.

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.