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Affirm Holdings, Inc. AFRM
Affirm Holdings, Inc. (AFRM) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $3.2B at a 1.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-12 | BMO Capital | Outperform (main) |
| 2026-07-24 | Truist Securities | Buy (main) |
| 2026-07-22 | Bernstein | Outperform (init) |
| 2026-07-22 | Cantor Fitzgerald | Overweight (main) |
| 2026-07-14 | Baird | Neutral (main) |
| 2026-07-09 | Goldman Sachs | Buy (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
| LPRO | Open Lending Corp | 6/9 | 0.56 | — | +288% |
All Finance, Insurance & Real Estate companies →
About Affirm Holdings, Inc.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
FAQ
Is AFRM financially healthy?
Affirm Holdings, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does AFRM pay a dividend?
No, Affirm Holdings, Inc. does not currently pay a dividend.
How profitable is AFRM?
In FY2025, Affirm Holdings, Inc. had a net margin of 1.6% and a return on equity of 1.7%.
What is AFRM's P/E ratio?
Affirm Holdings, Inc.'s trailing price-to-earnings (P/E) ratio is about 510.1×, based on its latest annual earnings.
What is the analyst price target for AFRM?
The average Wall-Street price target for Affirm Holdings, Inc. is $90.77, about 23.7% above the recent price, from 30 analysts (consensus: buy).
Is AFRM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Affirm Holdings, Inc.: a Piotroski F-score of 5/9, a P/E of about 510.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.