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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

NSQ:AFRM US00827B1061
58
  • Value
    5
  • Growth
    99
  • Safety
    Safety
    58
  • Combined
    54
  • Sentiment
    61
  • 360° View
    360° View
    58
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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 58 (better than 58% compared with alternatives), overall professional sentiment and financial characteristics for the stock Affirm Holdings are above average. The 360° View is based on consolidating four consolidated indicators, with all but one indicator above average for Affirm Holdings. The consolidated Growth Rank has a good rank of 99, 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 99% of competitors in the same industry. The consolidated Safety Rank at 58 means that the company has a financing structure that is safer than 58% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, the consolidated Sentiment Rank has a good rank of 61, which means that professional investors are more optimistic about the stock than for 61% of alternative investment opportunities. But the consolidated Value Rank is less desirable at 5, meaning that the share price of Affirm Holdings is on the higher side compared with indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 95% of alternative stocks in the same industry. ...read more

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Strongest Rank Dividend Yield
Weakest Rank Growth
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: 26-Mar-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

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
5 3 8 9
Growth
99 97 81 15
Safety
Safety
58 32 32 32
Sentiment
61 51 22 13
360° View
360° View
58 10 10 1
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Metrics Current 2025 2024 2023
Analyst Opinions
76 48 7 31
Opinions Change
36 92 50 50
Pro Holdings
n/a 10 32 49
Market Pulse
24 54 54 22
Sentiment
61 51 22 13
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Metrics Current 2025 2024 2023
Value
5 3 8 9
Growth
99 97 81 15
Safety Safety
58 32 32 32
Combined
54 14 14 14
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
10 8 9 7
Price vs. Earnings (P/E)
22 1 23 4
Price vs. Book (P/B)
7 17 21 22
Dividend Yield
1 1 1 1
Value
5 3 8 9
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Metrics Current 2025 2024 2023
Revenue Growth
84 97 88 96
Profit Growth
94 90 75 1
Capital Growth
80 64 18 54
Stock Returns
35 95 100 17
Growth
99 97 81 15
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Metrics Current 2025 2024 2023
Leverage
53 40 38 59
Refinancing
1 95 95 95
Liquidity
94 15 7 15
Safety Safety
58 32 32 32

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Frequently Asked
Questions

This stock offers a high growth opportunity with safe financing and positive sentiment. It is typically expensive (low Value Rank), as investors pay a premium for high performance. It is for growth-focused investors comfortable paying a premium for a stock with strong future momentum.

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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