SuperworthAffirm Holdings, Inc. AFRM
Financial - Credit Services, Financial Services
$75.31
+0.57%
- Market cap
- $25.4B
- PE
- 13.6×
- 10y median 73.6×
- Forward PE
- Price to sales
- 6.0×
- EV/EBIT
- 79.0×
- Revenue, 12 months
- $4.3B
- +32% on a year ago
- Net margin
- 45.3%
- Free cash flow yield
- 3.9%
Affirm trades at 13.6× trailing earnings, cheaper than 91% of the last ten years. Revenue was $4.3B over the last twelve months, up 32% on a year earlier with a 45% net margin.
Charts
Financials
| Income statement | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| $591.1M | $576.2M | $659.2M | $698.5M | $866.4M+47% | $783.1M+36% | $876.4M+33% | $933.3M+34% | $1.1B+30% | $1B+33% | $1.2B+33% | |
| Cost of revenue | $210M | $213M | $213.4M | $229.4M | $264.2M+26% | $271M+27% | $282.9M+33% | $301.9M+32% | $343.5M+30% | $353.9M+31% | $333.6M+18% |
| Gross profit | $381.1M | $363.1M | $445.8M | $469M | $602.2M+58% | $512.1M+41% | $593.5M+33% | $631.4M+35% | $779.6M+30% | $684.9M+34% | $756.1M+27% |
| SG&A | $294M | $261.7M | $258.8M | $283.7M | $275.4M−6% | $208.3M−20% | $212.4M−18% | $223.4M−21% | $240M−13% | $218.2M+5% | $239.2M+13% |
| −$172.2M | −$160.8M | −$73.5M | −$132.6M | −$4.3M−98% | −$8.4M−95% | $58.1M | $63.7M | $117.6M | $88.4M | $147.3M+154% | |
| Interest expense | $84.6M | $90.4M | $95.3M | $104.1M | $107.8M+27% | $107.6M+19% | $105.9M+11% | $110M+6% | $111.7M+4% | $113.8M+6% | $118.6M+12% |
| Pre-tax income | −$167.6M | −$133M | −$44.1M | −$98.3M | $82.9M | $5.3M | $71.6M | $83M | $133.2M+61% | $107.4M+1909% | $169.1M+136% |
| −$700K | $890K | $997K | $1.9M | $2.5M | $2.5M+186% | $2.3M+134% | $2.3M+22% | $3.7M+46% | $4.5M+76% | −$1.4B | |
| Net income | −$166.9M | −$133.9M | −$45.1M | −$100.2M | $80.4M | $2.8M | $69.2M | $80.7M | $129.6M+61% | $102.9M+3570% | $1.6B+2235% |
| −$0.54 | −$0.43 | −$0.14 | −$0.31 | $0.23 | $0.01 | $0.20 | $0.23 | $0.37+61% | $0.30+2900% | $4.62+2210% | |
| 307.6M | 312.6M | 315.5M | 318.2M | 345.2M+12% | 344.2M+10% | 342.6M+9% | 348.3M+9% | 349.4M+1% | 348.1M+1% | 349.7M+2% |
From each company's 10-Q and 10-K filings. Fiscal years are four fiscal quarters added up; balance sheet lines are as of the period's end. Growth is on the same period a year earlier.
Estimates
Next earnings report: .
Analyst consensus for the next eight quarters, with the range from the lowest to the highest estimate, is part of Superworth Pro.
Peers
Companies in Financial - Credit Services within ten times Affirm's size, closest in size first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| AFRMAffirm Holdings, Inc. | $25.4B | 13.6× | 73.6× | 6.0× | +32% | 45.3% | |
| SYFSynchrony Financial | $23.4B | 7.4× | 7.8× | — | −2% | 18.6% | |
| SOFISoFi Technologies, Inc. | $20.2B | 32.6× | 44.7× | — | +41% | 14.8% | |
| PYPLPayPal Holdings, Inc. | $47B | 10.4× | 41.9× | 1.4× | +6% | 14.4% | |
| COFCapital One Financial Corporation | $120.2B | 12.1× | 11.9× | — | +45% | 17.0% | |
| AXPAmerican Express Company | $205.5B | 18.5× | 18.6× | 2.7× | +11% | 15.1% | |
| Peer median | $47B | 12.1× | 18.6× | 2.0× | +11% | 15.1% |
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .