Affirm Holdings Inc. Class A (AFRM) Key Ratios

Stock Card

$71.90

$-2.40 (-3.23%)

As on 04-Sep-2026 13:36EDT

Market cap

$26,042 Mln

Revenue (TTM)

$1,150 Mln

P/E Ratio

14.1

P/B Ratio

4.7

Div. Yield

0 %

Key Ratios and Highlights

Growth Score (%)	Quarterly		Annual (TTM)
Particulars	QoQ	YoY	1-Year	3-Years	5-Years
Revenue	-7.50	32.64	32.07	38.15	39.12
EBIT	-9.72	95.74	132.05	44.03	40.73
Net Profit	-20.59	3,569.76	714.89	33.55	27.37
EPS	-20.30	3,528.86	606.93	32.64	23.94
Book Value	--	--	75.84	23.04	10.33

Key Ratios (%)	Average		Annual (TTM)
Particulars	3-Years	5-Years	Jun-26	Jun-25	Jun-24
EBIT-Margin	3.86	-22.90	--	15.10	-7.37
Net Margin	--	-51.11	--	--	--
Return on equity	9.09	-7.65	45.13	1.80	-19.66
Return on Capital	5.52	-1.86	22.01	0.51	-5.97
Return on Assets	2.99	-3.20	14.32	0.50	-5.86
Debt to Equity (x)	--	--	0.21	2.56	2.42

Profitability

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ROCE

22.01

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	22.01	0.51	-5.97	-13.36	-12.50
Peer Median	--	--	--	--	--

ROE

45.13

Profit after tax / Average Net worth * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	45.13	1.80	-19.66	-38.25	-27.24
Peer Median	--	--	--	--	--

ROA

14.32

Profit after tax / Average Total assets * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	14.32	0.50	-5.86	-13.03	-11.95
Peer Median	--	--	--	--	--

EBIT Margin

Operating profit (EBIT) / Net Sales * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	15.10	-7.37	-50.77	-48.55
Peer Median	--	--	--	--	--

Net Margin

167.82

Net profit / Total Income (Net sales plus other income) * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	167.82	1.62	-22.29	-54.75	-47.46
Peer Median	--	--	--	--	--

Growth

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Revenue Growth

-0.64

Year on year growth in net sales

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	-0.64	0.39	0.46	0.18	0.55
Peer Median	--	--	--	--	--

EBIT Growth

Year on year growth in operating profit (EBIT)

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	384.29	78.76	-23.06	-67.70
Peer Median	--	--	--	--	--

Net Profit Growth

3,597.91

Year on year growth in profit after tax

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	3,597.91	110.08	47.45	-39.29	-60.40
Peer Median	--	--	--	--	--

EPS Growth

35.39

Year on year growth in earnings per share

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	35.39	1.09	0.50	-0.34	-0.49
Peer Median	--	--	--	--	--

Solvency

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Debt to Equity

0.21

Total debt / Net worth

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	0.21	2.56	2.42	2.15	1.58
Peer Median	--	--	--	--	--

Short term debt to equity ratio

(Short term borrowings / Net worth)

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	0.07	0.01	0.09	0.01
Peer Median	--	--	--	--	--

Current Ratio

34.11

Current Assets / Current Liabilities and Provisions

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	34.11	54.19	65.70	74.34	53.02
Peer Median	--	--	--	--	--

Quick Ratio

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	--	68.37	74.34	53.69
Peer Median	--	--	--	--	--

Interest Coverage

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	1.14	-0.50	-4.41	-9.40
Peer Median	--	--	--	--	--

Operating Efficiency

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Debtors to sales

24.73

Debtors outstanding / Net Sales * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	24.73	218.91	246.76	278.01	184.56
Peer Median	--	--	--	--	--

Asset Turnover

0.09

Sales / Average Total Assets

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	0.09	0.31	0.26	0.21	0.23
Peer Median	--	--	--	--	--

Receivable days

1,166.15

Average Debtors / Sales * 365

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	1,166.15	724.45	797.72	794.10	610.80
Peer Median	--	--	--	--	--

Inventory Days

Average Inventory / Sales * 365

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	-116.56	-72.25	-15.20	-77.45
Peer Median	--	--	--	--	--

Payable days

Average Creditors / Cost of goods sold * 365

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	21.59	15.04	12.90	28.78
Peer Median	--	--	--	--	--

Cash Conversion Cycle

Receivable Days + Inventory Days - Payable Days

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	--	586.29	710.43	766.00	504.57
Peer Median	--	--	--	--	--

Valuation

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Price / Earnings

14.71

Current share price divided by earning per share in the last twelve months

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	14.71	453.86	-18.41	-4.66	-7.36
Peer Median	--	--	--	--	--

Price / Book Value

5.18

Current share price divided by book value per share in the latest financial year

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	5.18	7.72	3.49	1.81	1.99
Peer Median	--	--	--	--	--

EV/EBITDA

64.55

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	64.55	41.17	-6,278.17	-11.88	-10.78
Peer Median	--	--	--	--	--

Annual
Quarterly