Affirm Inc.
AFRM | NASDAQ
$73.47
-$1.37 (-1.83%)
At close: Oct 30, 2026, 4:00 PM ET
$74.12
+$0.65 (+0.88%)
Pre-market:
Nov 2, 2026, 4:30 AM ET
Market Data
Market Cap $21.93B
Enterprise Value $28.67B
Beta 3.82
Average Volume 4.13M
Shares Outstanding (Diluted) 349.73M
Shares Change YoY 2.09%
Institutional Ownership 77.68%
Exchange NASDAQ
ISIN US00827B1061
Price Performance
Price Change 1M 6.1%
Price Change 3M 2.7%
Price Change 6M 8.8%
Price Change YTD -1.3%
Price Change 1Y 2.2%
Price Change 3Y 317.2%
Price Change 5Y -54.8%
1M CAGR (ann.) 3.2%
1Y CAGR (ann.) 1.1%
5Y CAGR (ann.) -13.9%
All-Time CAGR -4.7%
Valuation
PE Ratio 13.31
Forward PE 35.17
PEG Ratio 0.00
Forward PEG 0.21
PS Ratio 5.24
Forward PS 4.00
PB Ratio 4.00
P/FCF Ratio 22.08
P/Adj. FCF Ratio 26.44
P/OCF Ratio 20.24
EV/Sales 6.85
EV/EBIT 30.28
EV/EBITDA 22.93
EV/FCF 28.87
Earnings Yield 7.5%
FCF Yield 4.5%
Adj. FCF Yield 3.8%
Financial Health
Net Debt $6.72B
Total Debt $9.82B
Cash & Short-Term Investments $2.6B
Total Assets $15.79B
Current Ratio 12.73
Quick Ratio 12.73
Debt / Equity Ratio 1.79
Debt / EBITDA 7.86
Debt / FCF 9.89
OCF / Debt 0.13
Interest Coverage 1.43
Altman Z-Score 1.87
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 68.2%
Operating Profit Margin 15.5%
EBITDA Margin 29.9%
Net Profit Margin 46.1%
FCF Margin 23.7%
Adj. FCF Margin 19.8%
SBC / Revenue 3.9%
SBC Impact (per share) -16.5%
Returns
Return on Assets 12.2%
Return on Equity 47.9%
Return on Invested Capital 11.6%
Return on Capital Employed 4.2%
Return on Tangible Assets 12.7%
Historical Growth (CAGR)
Revenue CAGR 3Y 38.1%
Revenue CAGR 5Y 36.9%
Revenue CAGR 10Y N/A
EPS CAGR 3Y 272.0%
EPS CAGR 5Y 512.8%
EPS CAGR 10Y N/A
FCF CAGR 3Y 55.9%
FCF CAGR 5Y 107.9%
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Buy
Analyst Count 26
EPS Growth Next 3Y -11.7%
Revenue Growth Next 3Y 26.7%
Earnings Date Nov 5, 2026
EPS Estimate (next Q) $0.38
EPS Growth Est (next Q) 65.0%
Revenue Est (next Q) $1.21B
Revenue Growth Est (next Q) 29.9%
Fair Value Estimates
Graham Number $44.81
Graham Upside -39.0%
Lynch Fair Value $138.00
Lynch Upside 87.8%
Price Target $95.50
Price Target Upside 30.0%
Cash Flow
Operating Cash Flow $1.23B
Free Cash Flow $993.09M
Adj. Free Cash Flow $829.44M
FCF Per Share $2.93
OCF Per Share $3.63
OCF/S Ratio 29.4%
Income Statement
Revenue $4.18B
Gross Profit $2.85B
Operating Income $648.76M
EBITDA $1.25B
Net Income $1.93B
EPS (Diluted) $5.52
Revenue / Employee $1.77M
Profit / Employee $818.4K
Employees 2,358
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