AFRM
VENTE TOTALE: 2 000 titres (~155 720,00 $ US)
- Insiders
- Watson Noel Bertram
- Total bought
- —
- Total sold
- $155,720
- Last activity
- 2026-08-12
- Last synced
-
2026-08-21 23:36:53
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-09-07
AFRM shows a meaningful financial turnaround with improving profitability and cash flow, supported by a positive Airwallex partnership catalyst ahead of its Q4 FY2026 earnings on August 27, 2026.
The first sentence of the analysis written for AFRM on 2026-09-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 67.5% | 63.6% | 45.0% | 57.3% | 62.9% | |
| Ebit Margin | 15.1% | -7.4% | -50.8% | -48.6% | -44.9% | |
| Ebitda Margin | 22.1% | -0.1% | -42.3% | -44.6% | -42.6% | |
| Operating Profit Margin | -2.7% | -26.5% | -75.6% | -64.2% | -44.1% | |
| Pretax Profit Margin | 1.9% | -22.2% | -62.3% | -53.7% | -50.9% | |
| Continuous Operations Profit Margin | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% | |
| Net Profit Margin | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% | |
| Bottom Line Profit Margin | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% | |
| Current Ratio | 54.185 | 65.698 | 74.343 | 53.015 | 35.835 | |
| Quick Ratio | 54.185 | 65.698 | 74.343 | 53.015 | 35.835 | |
| Solvency Ratio | 0.034 | -0.051 | -0.151 | -0.150 | -0.184 | |
| Cash Ratio | 7.521 | 8.108 | 9.612 | 11.722 | 13.556 | |
| Price To Earnings Ratio | 432.125 | -17.862 | -4.590 | -7.195 | -41.067 | |
| Price To Earnings Growth Ratio | -3.943 | 0.357 | -0.139 | -0.136 | -0.151 | |
| Forward Price To Earnings Growth Ratio | -3.943 | 0.357 | -0.139 | -0.136 | -0.151 | |
| Price To Earnings Diluted Ratio | 460.933 | -17.862 | -4.590 | -7.195 | -41.067 | |
| Price To Earnings Diluted Growth Ratio | -4.229 | 0.357 | -0.139 | -0.136 | -0.151 | |
| Price To Book Ratio | 7.273 | 3.383 | 1.787 | 1.943 | 7.047 | |
| Price To Sales Ratio | 6.923 | 3.979 | 2.851 | 3.771 | 20.850 | |
| Price To Free Cash Flow Ratio | 37.097 | 31.780 | -41.693 | -18.575 | -85.056 | |
| Price To Operating Cash Flow Ratio | 28.117 | 20.534 | 371.695 | -31.367 | -93.975 | |
| Debt To Assets Ratio | 0.704 | 0.695 | 0.668 | 0.594 | 0.407 | |
| Debt To Equity Ratio | 2.559 | 2.421 | 2.151 | 1.583 | 0.770 | |
| Debt To Capital Ratio | 0.719 | 0.708 | 0.683 | 0.613 | 0.435 | |
| Long Term Debt To Capital Ratio | 0.718 | 0.706 | 0.681 | 0.609 | 0.425 | |
| Financial Leverage Ratio | 3.635 | 3.485 | 3.218 | 2.664 | 1.890 | |
| Working Capital Turnover Ratio | 0.365 | 0.312 | 0.257 | 0.289 | 0.343 | |
| Operating Cash Flow Ratio | 4.408 | 3.602 | 0.131 | -1.515 | -1.785 | |
| Operating Cash Flow Sales Ratio | 0.246 | 0.194 | 0.008 | -0.120 | -0.222 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.758 | 0.646 | -8.915 | 1.689 | 1.105 | |
| Debt Service Coverage Ratio | 1.652 | -0.013 | -3.648 | -8.394 | -6.990 | |
| Interest Coverage Ratio | -0.205 | -1.789 | -6.562 | -12.426 | -7.280 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.101 | 0.068 | 0.002 | -0.039 | -0.097 | |
| Capital Expenditure Coverage Ratio | 4.131 | 2.826 | 0.101 | -1.452 | -9.536 | |
| Dividend Paid And Capex Coverage Ratio | 4.131 | 2.826 | 0.101 | -1.452 | -9.536 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 40.479 | -6,656.628 | -13.530 | -13.241 | -50.352 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 67.5% | ▲3.9% | ▲8.2% |
| Ebit Margin | 15.1% | ▲22.5% | ▲42.4% |
| Ebitda Margin | 22.1% | ▲22.2% | ▲43.6% |
| Operating Profit Margin | -2.7% | ▲23.8% | ▲39.9% |
| Pretax Profit Margin | 1.9% | ▲24.1% | ▲39.4% |
| Continuous Operations Profit Margin | 1.6% | ▲23.9% | ▲38.8% |
| Net Profit Margin | 1.6% | ▲23.9% | ▲38.8% |
| Bottom Line Profit Margin | 1.6% | ▲23.9% | ▲38.8% |
| Current Ratio | 54.185 | ▼-11.513 | ▼-2.430 |
| Quick Ratio | 54.185 | ▼-11.513 | ▼-2.430 |
| Solvency Ratio | 0.034 | ▲0.086 | ▲0.135 |
| Cash Ratio | 7.521 | ▼-0.587 | ▼-2.583 |
| Price To Earnings Ratio | 432.125 | ▲449.987 | ▲359.843 |
| Price To Earnings Growth Ratio | -3.943 | ▼-4.301 | ▼-3.141 |
| Forward Price To Earnings Growth Ratio | -3.943 | ▼-4.301 | ▼-3.141 |
| Price To Earnings Diluted Ratio | 460.933 | ▲478.796 | ▲382.889 |
| Price To Earnings Diluted Growth Ratio | -4.229 | ▼-4.587 | ▼-3.370 |
| Price To Book Ratio | 7.273 | ▲3.890 | ▲2.987 |
| Price To Sales Ratio | 6.923 | ▲2.944 | ▼-0.752 |
| Price To Free Cash Flow Ratio | 37.097 | ▲5.317 | ▲52.386 |
| Price To Operating Cash Flow Ratio | 28.116 | ▲7.583 | ▼-30.884 |
| Debt To Assets Ratio | 0.704 | ▲0.009 | ▲0.090 |
| Debt To Equity Ratio | 2.559 | ▲0.138 | ▲0.662 |
| Debt To Capital Ratio | 0.719 | ▲0.011 | ▲0.088 |
| Long Term Debt To Capital Ratio | 0.718 | ▲0.012 | ▲0.090 |
| Financial Leverage Ratio | 3.635 | ▲0.150 | ▲0.657 |
| Working Capital Turnover Ratio | 0.365 | ▲0.053 | ▲0.052 |
| Operating Cash Flow Ratio | 4.408 | ▲0.806 | ▲3.440 |
| Operating Cash Flow Sales Ratio | 0.246 | ▲0.052 | ▲0.225 |
| Free Cash Flow Operating Cash Flow Ratio | 0.758 | ▲0.112 | ▲1.701 |
| Debt Service Coverage Ratio | 1.652 | ▲1.665 | ▲5.130 |
| Interest Coverage Ratio | -0.205 | ▲1.584 | ▲5.447 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.101 | ▲0.033 | ▲0.094 |
| Capital Expenditure Coverage Ratio | 4.131 | ▲1.305 | ▲4.917 |
| Dividend Paid And Capex Coverage Ratio | 4.131 | ▲1.305 | ▲4.917 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 40.479 | ▲6697.107 | ▲1379.133 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $22.32B | $9.24B | $4.53B | $5.09B | $18.15B | |
| Enterprise value | $28.82B | $14.84B | $9.09B | $7.98B | $18.67B | |
| EV / Sales | 8.94x | 6.39x | 5.72x | 5.91x | 21.44x | |
| EV / Op. cash flow | 36.30x | 32.98x | 745.97x | -49.18x | -96.65x | |
| EV / Free cash flow | 47.90x | 51.04x | -83.67x | -29.12x | -87.47x | |
| EV / EBITDA | 40.48x | -6656.63x | -13.53x | -13.24x | -50.35x | |
| Net debt / EBITDA | 9.13x | -2511.77x | -6.79x | -4.79x | -1.39x | |
| Current ratio | 54.19x | 65.70x | 74.34x | 53.02x | 35.84x | |
| Income quality | 15.21x | -0.87x | -0.01x | 0.23x | 0.44x | |
| Graham number | $6 | — | — | — | — | |
| Graham net-net | -$2 | -$1 | -$1 | $1 | $3 | |
| Tax burden | 84.9% | 100.4% | 99.6% | 97.6% | 99.5% | |
| Interest burden | 12.6% | 301.0% | 122.7% | 110.6% | 113.5% | |
| Working capital | $9.58B | $8.08B | $6.81B | $5.57B | $3.77B | |
| Invested capital | $10.72B | $9.08B | $7.70B | $6.41B | $4.47B | |
| Return on assets | 0.5% | -5.4% | -12.1% | -10.1% | -9.1% | |
| Operating ROA | -0.8% | -7.0% | -15.9% | -14.6% | -12.2% | |
| Return on tangible assets | 0.5% | -5.8% | -13.0% | -11.1% | -10.3% | |
| Return on equity | 1.7% | -19.0% | -38.9% | -27.0% | -17.1% | |
| Return on invested capital | -0.7% | -6.6% | -14.8% | -12.3% | -8.0% | |
| Return on capital employed | -0.8% | -6.6% | -14.9% | -12.6% | -8.1% | |
| Earnings yield | 0.2% | -5.6% | -21.8% | -13.9% | -2.4% | |
| Free cash flow yield | 2.7% | 3.1% | -2.4% | -5.4% | -1.2% | |
| Capex / Op. cash flow | 24.2% | 35.4% | 991.5% | -68.9% | -10.5% | |
| Capex / Depreciation | 85.4% | 94.2% | 89.7% | 211.9% | 101.4% | |
| Capex / Sales | 6.0% | 6.9% | 7.6% | 8.3% | 2.3% | |
| SG&A / Sales | 30.4% | 47.4% | 77.1% | 82.3% | 65.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 10.0% | 14.8% | 28.4% | 29.0% | 33.6% | |
| Intangibles / Total assets | 4.9% | 5.7% | 7.1% | 8.9% | 12.0% | |
| Days sales outstanding | 799d | 901d | 1015d | 674d | 848d | |
| Days payables outstanding | 29d | 18d | 12d | 21d | 65d | |
| Operating cycle | 799d | 901d | 1015d | 674d | 848d | |
| Cash conversion cycle | 770d | 883d | 1003d | 653d | 783d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+141.5%EV / Sales ▲+39.9%EV / EBITDA ▲+100.6%EV / Op. cash flow ▲+3.325Earnings yield ▲+0.058
Profitability
Return on equity ▲+0.207Return on assets ▲+0.059Return on invested capital ▲+0.059Return on capital employed ▲+0.058Operating ROA ▲+0.061Income quality ▲+16.082Tax burden ▼-0.155
Efficiency
Days sales outstanding ▼-101.656Days payables outstanding ▲+11.140Operating cycle ▼-101.656Cash conversion cycle ▼-112.796Capex / Sales ▼-0.009R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-11.513Net debt / EBITDA ▲+2520.895Working capital ▲+1493971000.000Invested capital ▲+1636332000.000Intangibles / Total assets ▼-0.008
Change over 5 years
Valuation
Market cap ▲+23.0%EV / Sales ▼-58.3%EV / EBITDA ▲+180.4%EV / Op. cash flow ▲+132.948Earnings yield ▲+0.027
Profitability
Return on equity ▲+0.188Return on assets ▲+0.095Return on invested capital ▲+0.073Return on capital employed ▲+0.073Operating ROA ▲+0.114Income quality ▲+14.775Tax burden ▼-0.146
Efficiency
Days sales outstanding ▼-49.071Days payables outstanding ▼-36.429Operating cycle ▼-49.071Cash conversion cycle ▼-12.642Capex / Sales ▲+0.036R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+18.350Net debt / EBITDA ▲+10.519Working capital ▲+5809965000.000Invested capital ▲+6244044000.000Intangibles / Total assets ▼-0.071
Employee count
Peer market caps
Congressional trades
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2023-04-10 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2022-03-04 | Thomas Suozzi | Sale (Full) | $1,001 - $15,000 |
| 2022-02-11 | Josh Gottheimer | Sale (Full) | $1,001 - $15,000 |
| 2021-12-28 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2021-10-13 | Thomas Suozzi | Purchase | $15,001 - $50,000 |
| 2021-10-12 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
Recent news
- 2026-08-13 Affirm to participate in upcoming investor conferences SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM) today announced it will participate in the following investor conferences: On September 8 and 9, 2026, Max Levchin (Founder and Chief Executive Officer), Rob O''Hare (Chief Financial Officer), and Zane Keller (Head of Investor Relations) will attend the Goldman Sachs Communacopia + Technology Conference in San Francisco, CA. On September 8, Mr. Levchin will participate in a fireside chat beginning at 3:05pm PT. The fireside cha.
- 2026-08-13 Airwallex Adds Affirm Pay-Over-Time Options for US Shoppers Airwallex is adding Affirm''s installment payment options to its checkout platform, giving merchants in 35 countries a way to offer pay-over-time financing to eligible customers in the United States. Under the partnership announced Thursday (Aug. 13), merchants using Airwallex can make Affirm available at checkout without completing a separate integration.
- 2026-08-06 Affirm Holdings (AFRM) Registers a Bigger Fall Than the Market: Important Facts to Note Affirm Holdings (AFRM) closed at $76.58 in the latest trading session, marking a -2.41% move from the prior day.
- 2026-08-06 Affirm to announce fourth quarter fiscal year 2026 results on August 27, 2026 SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM) today announced it will publish its fourth quarter fiscal year 2026 shareholder letter, including its financial results, on its investor relations website at https://investors.affirm.com/ on Thursday, August 27, 2026, after market close. The Company will host a conference call and webcast at 2:00pm PT that same day. Hosting the call will be Max Levchin (Founder and Chief Executive Officer), Michael Linford (Chief Operating Off.
- 2026-07-29 Are Rate Cuts a Bigger Risk or Reward for Affirm? Wall Street is discussing rate increases as the Federal Reserve seeks to address high inflation. Donald Trump is still pushing for rate cuts.
- 2026-07-29 Affirm Holdings (AFRM) Falls More Steeply Than Broader Market: What Investors Need to Know Affirm Holdings (AFRM) reached $70.11 at the closing of the latest trading day, reflecting a -3.16% change compared to its last close.
- 2026-07-28 Best Growth Stocks to Buy for July 28th ASAN, AFRM and CRDO made it to the Zacks Rank #1 (Strong Buy) growth stocks list on July 28, 2026.
- 2026-07-28 Is Affirm Holdings (AFRM) a Buy as Wall Street Analysts Look Optimistic? The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock''s price.
- 2026-07-25 Bank of New York Mellon Corp Has $46.90 Million Position in Affirm Holdings, Inc. $AFRM Bank of New York Mellon Corp lessened its position in shares of Affirm Holdings, Inc. (NASDAQ: AFRM) by 17.9% during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 1,023,643 shares of the company''s stock after selling 223,489 shares during the quarter.
- 2026-07-22 Affirm Holdings (AFRM) Dips More Than Broader Market: What You Should Know In the most recent trading session, Affirm Holdings (AFRM) closed at $73.97, indicating a -1% shift from the previous trading day.