Stock Research: Affirm Holdings

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Affirm Holdings

NasdaqGS:AFRM US00827B1061
10
  • Value
    1
  • Growth
    100
  • Safety
    Safety
    32
  • Combined
    14
  • Sentiment
    61
  • 360° View
    360° View
    10
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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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NASDAQ
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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: 18-Dec-2025.

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.

Detailed and Historical Ranks

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Metrics Current 2024 2023 2022
Value
1 3 8 9
Growth
100 97 81 15
Safety
Safety
32 32 32 32
Sentiment
61 51 22 13
360° View
360° View
10 10 10 1
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Metrics Current 2024 2023 2022
Analyst Opinions
66 48 7 31
Opinions Change
49 92 50 50
Pro Holdings
n/a 10 32 49
Market Pulse
46 54 54 22
Sentiment
61 51 22 13
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Metrics Current 2024 2023 2022
Value
1 3 8 9
Growth
100 97 81 15
Safety Safety
32 32 32 32
Combined
14 14 14 14
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
3 1 23 4
Price vs. Earnings (P/E)
7 8 9 7
Price vs. Book (P/B)
13 17 21 22
Dividend Yield
1 1 1 1
Value
1 3 8 9
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Metrics Current 2024 2023 2022
Revenue Growth
96 97 88 96
Profit Growth
98 90 75 1
Capital Growth
90 64 18 54
Stock Returns
79 95 100 17
Growth
100 97 81 15
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Metrics Current 2024 2023 2022
Leverage
41 40 38 59
Refinancing
95 95 95 95
Liquidity
30 15 7 15
Safety Safety
32 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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