Stocktoria
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 $4.3B at a 45.3% 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 |
|---|---|---|
| 2026-09-16 | Citizens | Market Outperform (reit) |
| 2026-09-14 | Wolfe Research | Outperform (up) |
| 2026-09-09 | Loop Capital | Buy (init) |
| 2026-09-03 | Truist Securities | Buy (main) |
| 2026-09-02 | Scotiabank | Sector Outperform (init) |
| 2026-08-31 | 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 1152 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 | — | 13.8 | +32.2% |
| 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 offers pay-over-time solutions at checkout for both consumers and merchants. 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 electronics; equipment and auto; fashion and beauty; general merchandise; home and lifestyle services; sporting goods and outdoors; and travel and ticketing. 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 45.3% and a return on equity of 35.2%.
What is AFRM's P/E ratio?
Affirm Holdings, Inc.'s trailing price-to-earnings (P/E) ratio is about 13.8×, 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 $99.09, about 38.6% above the recent price, from 32 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 13.8×. 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.