Stocktoria
Affirm Holdings, Inc. AFRM
Nasdaq · XNAS · stock · Personal Credit Institutions · website · IPO 2021-01-13
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $3.2B | $2.3B | $626.9M | $559.2M | $429.4M |
| Operating income | -$87.3M | -$615.8M | -$1.2B | -$866.0M | -$383.7M |
| Net income | $52.2M | -$517.8M | -$985.3M | -$707.4M | -$441.0M |
| Operating cash flow | $793.9M | $450.1M | $12.2M | -$162.2M | -$193.1M |
| Free cash flow | $601.7M | $290.8M | -$108.6M | -$248.5M | -$213.4M |
| Total assets | $11.2B | $9.5B | $8.2B | $7.0B | $4.9B |
| Total liabilities | $8.1B | $6.8B | $5.6B | $4.4B | $2.3B |
| Shareholders' equity | $3.1B | $2.7B | $2.5B | $2.6B | $2.6B |
| Ratios | |||||
| Operating margin | -2.7% | -26.5% | -191.5% | -154.9% | -89.3% |
| Net margin | 1.6% | -22.3% | -157.2% | -126.5% | -102.7% |
| FCF margin | 18.7% | 12.5% | -17.3% | -44.4% | -49.7% |
| Return on assets | 0.5% | -5.4% | -12.1% | -10.1% | -9.1% |
| Return on equity | 1.7% | -19.0% | -38.9% | -27.0% | -17.1% |
| Debt / equity | 2.48× | 0.67× | — | — | — |
| Revenue growth | 38.8% | 270.5% | 12.1% | 30.2% | -15.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 196,686 | $9.0M |
| RENAISSANCE TECHNOLOGIES LLC | 5,900 | $270,338 |
Why these scores methodology →
Piotroski F-score: 5/9
- 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
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001820953 · as of 2025-06-30. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.