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Stock Research: Affirm Holdings

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Affirm Holdings

NSQ:AFRM US00827B1061
31
  • Value
    10
  • Growth
    59
  • Safety
    Safety
    30
  • Combined
    10
  • Sentiment
    79
  • 360° View
    360° View
    31
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Company Description

Affirm Holdings, Inc. provides consumers with an alternative to traditional payment options. The Company is engaged in building a payment network. Its platform comprises three core elements: point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Its Affirm App and Website provide tailored offers from merchants based on consumers' preferences. Consumers can apply at affirm.com or via the Affirm App and, upon approval, receive a single-use virtual card to use online or in-store. Its Affirm Card allows consumers to link a bank account to pay in full, or apply to pay overtime through the Affirm App. It offers users an in-app post-purchase feature that allows them to instantly apply to convert any eligible debit transaction into an installment loan. Through the Affirm app and in partnership with Cross River Bank, it offers a high-yield savings account, with no minimum deposit requirements or fees.

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ANALYSIS: With an Obermatt 360° View of 31 (better than 31% compared with alternatives), overall professional sentiment and financial characteristics for the stock Affirm Holdings are below the industry average. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for Affirm Holdings. The consolidated Growth Rank has a good rank of 59, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 59% of competitors in the same industry. The consolidated Sentiment Rank also has a good rank of 79, which means that professional investors are more optimistic about the stock than for 79% of alternative investment opportunities. But the consolidated Value Rank has a less desirable rank of 10, which means that the share price of Affirm Holdings is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 90% of alternative stocks in the same industry. Finally, the consolidated Safety Rank has a riskier rank of 30, which means that the company has a financing structure that is riskier than those of 70% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Strongest Rank Dividend Yield
Weakest Rank Liquidity
Country USA
Industry Consumer Finance
Size Large
Website affirm.com
Index
NASDAQ
Affirm Holdings stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 17-Sep-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
10 3 8 9
Growth
59 97 81 15
Safety
Safety
30 32 32 32
Sentiment
79 51 22 13
360° View
360° View
31 10 10 1
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Metrics Current 2025 2024 2023
Analyst Opinions
76 48 7 31
Opinions Change
68 92 50 50
Pro Holdings
n/a 10 32 49
Market Pulse
70 54 54 22
Sentiment
79 51 22 13
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Metrics Current 2025 2024 2023
Value
10 3 8 9
Growth
59 97 81 15
Safety Safety
30 32 32 32
Combined
10 14 14 14
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
23 8 9 7
Price vs. Earnings (P/E)
26 1 23 4
Price vs. Book (P/B)
18 17 21 22
Dividend Yield
1 1 1 1
Value
10 3 8 9
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Metrics Current 2025 2024 2023
Revenue Growth
84 97 88 96
Profit Growth
69 90 75 1
Capital Growth
59 64 18 54
Stock Returns
24 95 100 17
Growth
59 97 81 15
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Metrics Current 2025 2024 2023
Leverage
36 40 38 59
Refinancing
3 95 95 95
Liquidity
98 15 7 15
Safety Safety
30 32 32 32

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Frequently Asked
Questions

This is a classic, high-risk growth play: high growth and positive sentiment outweigh low Value Rank (expensive) and risky financing. This is for aggressive growth investors who are comfortable with the high price and risk, believing the growth story justifies the expense.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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