Affirm Holdings, Inc.

AFRM • Financial - Credit Services

$72.35

▼ -1.95 (-2.62%)

Precio actual

ResultadosÚltimo reporte: 30 jun 2026

PERFIL FAVORABLEAtractivaConfianza: 70%

Perfil cuantitativo — no constituye una recomendación de inversión.

Perfil cuantitativo — no constituye una recomendación de inversión.Metodología

Tesis del análisis: Alta calidad del negocio, con crecimiento y flujo de caja que respaldan el caso. La valoración todavía importa, pero el historial de ratios es favorable.

Capitalización

$25.18B

Crecimiento

18.8%

Flujo de caja

3/5

Tendencia

Mostly stable

Evidencia

Márgenes estables o en mejora · 167.8%Flujo de caja libre positivo · 2.96Múltiplo de ganancias razonable · 14.16Nivel de deuda manejable · 0.21Liquidez saludable · 34.11

Datos financieros hasta: 30 jun 2026, 12:00 a.m. UTCÚltima actualización de earnings: 30 jun 2026, 12:00 a.m. UTCÚltima actualización del perfil: 28 ago 2026, 12:07 p.m. UTC

Resumen de la compañía

Valoración, calidad, fortaleza financiera, momentum y datos de analistas.

Price$72.35

Change-2.62%

Shares Out348.10M

Market Cap$25.18B

Enterprise Value$31.09B

52W Range42.09 - 100.00

Beta3.62

P/E65.86

P/S6.34

P/B6.66

P/FCF32.00

EV/Sales7.83

Price$72.35

Change-2.62%

Shares Out348.10M

Market Cap$25.18B

Enterprise Value$31.09B

52W Range42.09 - 100.00

Beta3.62

P/E65.86

P/S6.34

P/B6.66

P/FCF32.00

EV/Sales7.83

EV/EBITDA27.85

EV/FCF39.50

Earnings Yield1.52%

FCF Yield3.13%

Dividend Yield0.00%

Gross Margin0.00%

Oper. Margin36.26%

Profit Margin167.82%

Debt/Eq0.21

Current Ratio34.11

Quick Ratio34.11

Revenue 5Y18.80%

Target$97.00

Target Upside34.07%

Target Median$97.00

Target Range75.00 - 115.00

Volume8.91M

Avg Volume4.26M

EPS Surprise0.13

ADN de inversión

Qué tan fuerte luce esta compañía para inversionistas de largo plazo

de 100

Calidad del negocio

Márgenes, ventaja competitiva, retornos

90/100

Fortaleza financiera

Deuda, caja, estabilidad

76/100

Potencial de crecimiento

Ingresos y expansión

58/100

Atractivo del precio

Barata o cara hoy

48/100

Por qué este puntaje▼

Márgenes estables o en mejora · 167.8%Flujo de caja libre positivo · 2.96Múltiplo de ganancias razonable · 14.16Nivel de deuda manejable · 0.21Liquidez saludable · 34.11

Analyst view

Analyst sentiment and price target

AFRM

Analyst sentiment

Based on 36 analyst votes · 2026-09-05

86/100

Bullish

Hold

Bearish

Precio objetivo

2026-08-28

Bajo

$75.00

Promedio

$93.00

Mediana

$98.50

Alto

$106.00

Resumen de la compañía

IPO: 1/13/2021

Industria: Financial - Credit Services

P/B i: 6.66

Deuda / Patrimonio i: 0.21

Margen operativo: 36.26%

Margen neto: 1.68%

ROE i: -

ROIC: -

Salud financiera

Puntaje15 / 20

Deuda / Patrimonio: 0.21

Ratio corriente: 34.11

Ratio rápido: 34.11

Estado: Good

Transacciones internas

Actividad reciente de ejecutivos e insiders

⚠ 1 venta interna de alto volumen detectada

Watson Noel Bertram

Transacción: 08/12/2026

VENTA

Cambio

-2,000

Precio

$77.86

Presentación

08/14/2026

Tipo

VENTA

Linford Michael

Transacción: 08/01/2026

VENTA

Cambio

-2,335

Precio

Not reported

Presentación

08/04/2026

Tipo

VENTA

Linford Michael

Transacción: 08/01/2026

VENTA

Cambio

-970

Precio

$71.51

Presentación

08/04/2026

Tipo

VENTA

Insider	Tipo	Cambio	Precio	Transacción	Presentación
Watson Noel Bertram	VENTA	-2,000	$77.86	08/12/2026	08/14/2026
Linford Michael	VENTA	-2,335	Not reported	08/01/2026	08/04/2026
Linford Michael	VENTA	-970	$71.51	08/01/2026	08/04/2026
Michalek Libor	VENTA	-2,335	Not reported	08/01/2026	08/04/2026
Michalek Libor	VENTA	-1,189	$71.51	08/01/2026	08/04/2026
Adkins Katherine	VENTA	-1,401	Not reported	08/01/2026	08/04/2026
Adkins Katherine	VENTA	-634	$71.51	08/01/2026	08/04/2026
Schneider Ryan M.	OTRO	0	Not reported	07/01/2026	07/06/2026
Adkins Katherine	VENTA	-1,402	Not reported	07/01/2026	07/06/2026
Adkins Katherine	VENTA	-635	$83.85	07/01/2026	07/06/2026
Linford Michael	VENTA	-2,336	Not reported	07/01/2026	07/06/2026
Linford Michael	VENTA	-972	$83.85	07/01/2026	07/06/2026
Schneider Ryan M.	COMPRA	+655	Not reported	07/01/2026	07/06/2026
Quarles Christa S	COMPRA	+655	Not reported	07/01/2026	07/06/2026
Michalek Libor	VENTA	-2,336	Not reported	07/01/2026	07/06/2026
Michalek Libor	VENTA	-1,189	$83.85	07/01/2026	07/06/2026
Liew Jeremy	COMPRA	+655	Not reported	07/01/2026	07/06/2026
GALANTI RICHARD A	COMPRA	+655	Not reported	07/01/2026	07/06/2026
Reses Jacqueline D	COMPRA	+655	Not reported	07/01/2026	07/06/2026
Linford Michael	VENTA	-100,000	$80.04	06/26/2026	06/30/2026

Sobre la compañía

Affirm Holdings, Inc.

Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.

Fuente - Link

Competidores

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Rendimiento de peers · 1A

Top performers + empresa seleccionada

Ultimas Noticias

Consumer Pressure Rises, but So Does Demand for Affirm's Services

AFRM sees rising demand for installment payments as inflation and gas costs pressure consumers, while disciplined underwriting helps manage credit risk.

Zacks Investment Research

Affirm Rallies 6% on $104 Price Target From BofA, Sezzle Climbs 4%, PayPal Rises 3%

Installment-lending stocks are running well ahead of the broad market at midday Wednesday as Treasury yields retreat and a fresh price-target raise on the group's largest name pulls peers along with it.

24/7 Wall Street

Breakfast News: AI's New Rule – Show Me the Money!

Dell zooms, MongoDB gets zapped, Palo Alto CEO flags AI cyber issue, and more

Fool - Investing News

SoFi Drops 4%, Affirm Falls 5% as Yields Hit Balance-Sheet Lenders, Robinhood Holds Steady

Today's fintech selling is precisely targeted at the two names in the group that carry consumer credit on their own balance sheets, and the ordering inside the trio proves it.

24/7 Wall Street

Affirm Stock Falls 6% on the Day Bernstein Raises Target

Bernstein SocGen raised its price target on Affirm Holdings (AFRM) to $110 from $100, keeping an Outperform rating and pointing to network effects across mercha

GuruFocus

Sorpresas de ganancias

Período	Estimado	Real	Sorpresa
2026-05-07	0.1704	0.3	0.1296
2026-02-05	0.28	0.37	0.09
2025-11-06	0.1121	0.23	0.1179
2025-08-28	0.1235	0.2	0.0765
2025-05-08	-0.00632	0.01	0.01632
2025-02-06	-0.21	0.23	0.44
2024-11-07	-0.34	-0.31	0.03
2024-08-28	-0.48056	-0.14	0.34056
2024-05-08	-0.6984	-0.43	0.2684
2024-02-08	0.08	0.04	-0.04
2023-11-08	-0.7	-0.57	0.13
2023-08-24	-0.86	-0.69	0.17