Company Analysis Affirm Holdings, Inc.
1. Summary
Advantages
- The stock's return over the last year (41.94%) is higher than the sector average (-27%).
- The company's current efficiency (ROE=1.7%) is higher than the sector average (ROE=-90.47%)
Disadvantages
- Price (67.25 $) is higher than fair price (2.43 $)
- Dividends (0%) are below the sector average (0.57%).
- Current debt level 70.4% has increased over 5 years from 65.51%.
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Affirm Holdings, Inc. | Technology | Index | |
|---|---|---|---|
| 7 days | -1.3% | -4.8% | 0.4% |
| 90 days | -13.2% | -34.3% | 4.9% |
| 1 year | 41.9% | -27% | 20.9% |
AFRM vs Sector: Affirm Holdings, Inc. has outperformed the "Technology" sector by 68.94% over the past year.
AFRM vs Market: Affirm Holdings, Inc. has outperformed the market by 21.03% over the past year.
Stable price: AFRM is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: AFRM with weekly volatility of 0.81% over the past year.
3. Summary of the report
5. Fundamental Analysis
5.1. Stock price and price forecast
Above fair price: The current price (67.25 $) is higher than the fair price (2.43 $).
Price is higher than fair: The current price (67.25 $) is 96.4% higher than the fair price.
5.2. P/E
P/E vs Sector: The company's P/E (439.46) is higher than that of the sector as a whole (-184.04).
P/E vs Market: The company's P/E (439.46) is higher than that of the market as a whole (-68.72).
5.2.1 P/E Similar companies
5.3. P/BV
P/BV vs Sector: The company's P/BV (7.47) is lower than that of the sector as a whole (9.01).
P/BV vs Market: The company's P/BV (7.47) is lower than that of the market as a whole (51.39).
5.3.1 P/BV Similar companies
5.5. P/S
P/S vs Sector: The company's P/S indicator (7.11) is lower than that of the sector as a whole (11.6).
P/S vs Market: The company's P/S indicator (7.11) is lower than that of the market as a whole (148.63).
5.5.1 P/S Similar companies
5.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (40.58) is lower than that of the sector as a whole (87.04).
EV/Ebitda vs Market: The company's EV/Ebitda (40.58) is higher than that of the market as a whole (-95.22).
6. Profitability
6.1. Profitability and revenue
6.2. Earnings per share - EPS
6.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -22.42% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-22.42%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (14.65%).
6.4. ROE
ROE vs Sector: The company's ROE (1.7%) is higher than that of the sector as a whole (-90.47%).
ROE vs Market: The company's ROE (1.7%) is higher than that of the market as a whole (-6.23%).
6.6. ROA
ROA vs Sector: The company's ROA (0.47%) is lower than that of the sector as a whole (113.38%).
ROA vs Market: The company's ROA (0.47%) is lower than that of the market as a whole (38.59%).
6.6. ROIC
ROIC vs Sector: The company's ROIC (-11.27%) is lower than that of the sector as a whole (9.25%).
ROIC vs Market: The company's ROIC (-11.27%) is lower than that of the market as a whole (9.66%).
8. Dividends
8.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '0.57%.
8.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
8.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
9. Insider trades
9.1. Insider trading
Insider Buying Exceeds insider sales by 100% over the last 3 months.
9.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 01.10.2025 | Adkins Katherine Chief Legal Officer |
Purchase | 74.83 | 127 660 | 1 706 |
| 04.09.2025 | Jiyane Siphelele Officer |
Purchase | 90.71 | 2 316 100 | 25 533 |
| 28.08.2025 | Maksim Rafael Levchin Officer/Director |
Purchase | 80.17 | 27 922 100 | 348 286 |
| 22.08.2025 | Levchin Max R Chief Executive Officer |
Sale | 80.1 | 13 412 200 | 167 443 |
| 22.08.2025 | Levchin Max R Chief Executive Officer |
Purchase | 49 | 8 204 710 | 167 443 |
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Based on sources: porti.ru
