Affirm Holdings Inc. Class A (AFRM) Key Ratios

Stock Card

$73.86

$-2.06 (-2.71%)

As on 16-Oct-2026 13:36EDT

Market cap

$27,230 Mln

Revenue (TTM)

$3,949 Mln

P/E Ratio

14.6

P/B Ratio

4.2

Div. Yield

0 %

Key Ratios and Highlights

Growth Score (%)	Quarterly		Annual (TTM)
Particulars	QoQ	YoY	1-Year	3-Years	5-Years
Revenue	4.90	24.33	29.78	38.13	36.89
EBIT	30.08	62.07	94.45	46.97	33.57
Net Profit	1,471.05	2,234.66	3,597.91	57.27	43.57
EPS	1,463.71	2,186.82	4,208.17	54.00	37.20
Book Value	--	--	75.02	22.85	10.23

Key Ratios (%)	Average		Annual (TTM)
Particulars	3-Years	5-Years	Jun-26	Jun-25	Jun-24
EBIT-Margin	10.56	-13.53	23.96	15.10	-7.37
Net Margin	--	-51.11	--	--	--
Return on equity	9.09	-7.65	45.13	1.80	-19.66
Return on Capital	3.08	-3.32	14.71	0.51	-5.97
Return on Assets	2.99	-3.20	14.32	0.50	-5.86
Debt to Equity (x)	--	--	1.79	2.56	2.42

Profitability

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ROCE

14.71

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)	14.71	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

23.96

Operating profit (EBIT) / Net Sales * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	23.96	15.10	-7.37	-50.77	-48.55
Peer Median	--	--	--	--	--

Net Margin

48.87

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)	48.87	1.62	-22.29	-54.75	-47.46
Peer Median	--	--	--	--	--

Growth

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Revenue Growth

0.22

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)	0.22	0.39	0.46	0.18	0.55
Peer Median	--	--	--	--	--

EBIT Growth

94.36

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)	94.36	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

35.22

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)	35.22	1.09	0.50	-0.34	-0.49
Peer Median	--	--	--	--	--

Solvency

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Debt to Equity

1.79

Total debt / Net worth

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	1.79	2.56	2.42	2.15	1.58
Peer Median	--	--	--	--	--

Short term debt to equity ratio

0.04

(Short term borrowings / Net worth)

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	0.04	0.07	0.01	0.09	0.01
Peer Median	--	--	--	--	--

Current Ratio

12.73

Current Assets / Current Liabilities and Provisions

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	12.73	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

2.09

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)	2.09	1.14	-0.50	-4.41	-9.40
Peer Median	--	--	--	--	--

Operating Efficiency

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Debtors to sales

7.20

Debtors outstanding / Net Sales * 100

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	7.20	218.91	246.76	278.01	184.56
Peer Median	--	--	--	--	--

Asset Turnover

0.29

Sales / Average Total Assets

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	0.29	0.31	0.26	0.21	0.23
Peer Median	--	--	--	--	--

Receivable days

339.56

Average Debtors / Sales * 365

Company Name	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22
Affirm Holdings Inc. Class A (AFRM)	339.56	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

25.06

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)	25.06	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

14.78

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)	14.78	453.86	-18.41	-4.66	-7.36
Peer Median	--	--	--	--	--

Price / Book Value

5.20

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)	5.20	7.72	3.49	1.81	1.99
Peer Median	--	--	--	--	--

EV/EBITDA

28.22

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)	28.22	41.17	-6,278.17	-11.88	-10.78
Peer Median	--	--	--	--	--

Annual
Quarterly