Affirm Inc.
AFRM | NASDAQ
$71.77
+$0.72 (+1.01%)
At close: Sep 22, 2026, 4:00 PM ET
$71.89
+$0.12 (+0.17%)
After-hours:
Sep 22, 2026, 7:58 PM ET
Market Data
Market Cap $23.79B
Enterprise Value $30.54B
Beta 3.61
Average Volume 4.67M
Shares Outstanding (Diluted) 349.73M
Shares Change YoY 2.09%
Institutional Ownership 71.33%
Exchange NASDAQ
ISIN US00827B1061
Price Performance
Price Change 1M -8.0%
Price Change 3M -1.1%
Price Change 6M 57.7%
Price Change YTD -4.0%
Price Change 1Y -21.2%
Price Change 3Y 252.1%
Price Change 5Y -42.6%
1M CAGR (ann.) -5.6%
1Y CAGR (ann.) -21.0%
5Y CAGR (ann.) -8.3%
All-Time CAGR -5.4%
Valuation
PE Ratio 12.87
Forward PE 34.44
PEG Ratio 0.00
Forward PEG 0.28
PS Ratio 5.69
Forward PS 4.30
PB Ratio 4.34
P/FCF Ratio 23.96
P/Adj. FCF Ratio 28.69
P/OCF Ratio 19.57
EV/Sales 7.30
EV/EBIT 32.25
EV/EBITDA 24.43
EV/FCF 30.75
Earnings Yield 7.8%
FCF Yield 4.2%
Adj. FCF Yield 3.5%
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 1.95
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 37
EPS Growth Next 3Y -11.3%
Revenue Growth Next 3Y 26.6%
Earnings Date Nov 4, 2026
EPS Estimate (next Q) $0.34
EPS Growth Est (next Q) 47.8%
Revenue Est (next Q) $1.21B
Revenue Growth Est (next Q) 29.6%
Fair Value Estimates
Graham Number $44.81
Graham Upside -36.9%
Lynch Fair Value $138
Lynch Upside 94.2%
Price Target $96.42
Price Target Upside 35.7%
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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