AFFIRM HOLDINGS INC (1AFRM.MI) Fundamental Analysis & Valuation

BIT:1AFRM • US00827B1061

Current stock price

39.72 EUR
+39.72 (+Infinity%)
Last:

This 1AFRM.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1AFRM.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1AFRM was profitable.
  • 1AFRM had a positive operating cash flow in the past year.
  • 1AFRM had negative earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1AFRM reported negative operating cash flow in multiple years.
1AFRM.MI Yearly Net Income VS EBIT VS OCF VS FCF1AFRM.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 500M -500M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.18%, 1AFRM is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • 1AFRM has a better Return On Equity (7.96%) than 63.64% of its industry peers.
  • 1AFRM has a Return On Invested Capital of 4.48%. This is in the better half of the industry: 1AFRM outperforms 67.27% of its industry peers.
Industry RankSector Rank
ROA 2.18%
ROE 7.96%
ROIC 4.48%
ROA(3y)-5.68%
ROA(5y)-7.25%
ROE(3y)-18.71%
ROE(5y)-20.05%
ROIC(3y)N/A
ROIC(5y)N/A
1AFRM.MI Yearly ROA, ROE, ROIC1AFRM.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 -10 -20 -30

1.3 Margins

  • 1AFRM has a Profit Margin (7.60%) which is in line with its industry peers.
  • 1AFRM's Operating Margin of 17.93% is in line compared to the rest of the industry. 1AFRM outperforms 58.18% of its industry peers.
  • 1AFRM has a better Gross Margin (92.32%) than 96.36% of its industry peers.
  • 1AFRM's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.93%
PM (TTM) 7.6%
GM 92.32%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.9%
GM growth 5Y6.25%
1AFRM.MI Yearly Profit, Operating, Gross Margins1AFRM.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. 1AFRM.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1AFRM is destroying value.
  • 1AFRM has more shares outstanding than it did 1 year ago.
  • 1AFRM has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1AFRM has a worse debt to assets ratio.
1AFRM.MI Yearly Shares Outstanding1AFRM.MI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
1AFRM.MI Yearly Total Debt VS Total Assets1AFRM.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • 1AFRM has an Altman-Z score of 1.27. This is a bad value and indicates that 1AFRM is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.27, 1AFRM is in line with its industry, outperforming 49.09% of the companies in the same industry.
  • The Debt to FCF ratio of 1AFRM is 14.55, which is on the high side as it means it would take 1AFRM, 14.55 years of fcf income to pay off all of its debts.
  • 1AFRM has a Debt to FCF ratio (14.55) which is in line with its industry peers.
  • A Debt/Equity ratio of 2.54 is on the high side and indicates that 1AFRM has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.54, 1AFRM is doing worse than 70.91% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.54
Debt/FCF 14.55
Altman-Z 1.27
ROIC/WACC0.59
WACC7.55%
1AFRM.MI Yearly LT Debt VS Equity VS FCF1AFRM.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 5.29 indicates that 1AFRM has no problem at all paying its short term obligations.
  • 1AFRM's Current ratio of 5.29 is amongst the best of the industry. 1AFRM outperforms 85.45% of its industry peers.
  • 1AFRM has a Quick Ratio of 5.29. This indicates that 1AFRM is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 5.29, 1AFRM belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.29
Quick Ratio 5.29
1AFRM.MI Yearly Current Assets VS Current Liabilites1AFRM.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. 1AFRM.MI Growth Analysis

3.1 Past

  • 1AFRM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 224.62%, which is quite impressive.
  • Looking at the last year, 1AFRM shows a very strong growth in Revenue. The Revenue has grown by 32.70%.
  • Measured over the past years, 1AFRM shows a very strong growth in Revenue. The Revenue has been growing by 44.63% on average per year.
EPS 1Y (TTM)224.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%60.87%
Revenue 1Y (TTM)32.7%
Revenue growth 3Y33.69%
Revenue growth 5Y44.63%
Sales Q2Q%29.62%

3.2 Future

  • Based on estimates for the next years, 1AFRM will show a very strong growth in Earnings Per Share. The EPS will grow by 102.22% on average per year.
  • 1AFRM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.05% yearly.
EPS Next Y754.09%
EPS Next 2Y264.25%
EPS Next 3Y166.4%
EPS Next 5Y102.22%
Revenue Next Year29.83%
Revenue Next 2Y26.96%
Revenue Next 3Y26.53%
Revenue Next 5Y23.05%

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
1AFRM.MI Yearly Revenue VS Estimates1AFRM.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2B 4B 6B 8B 10B
1AFRM.MI Yearly EPS VS Estimates1AFRM.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 0 2 -2 4 6 8

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Find the best growth stocksShow best growing peers

3

4. 1AFRM.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 57.57 indicates a quite expensive valuation of 1AFRM.
  • Based on the Price/Earnings ratio, 1AFRM is valued a bit more expensive than 60.00% of the companies in the same industry.
  • 1AFRM is valuated expensively when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 26.97, 1AFRM can be considered very expensive at the moment.
  • 61.82% of the companies in the same industry are cheaper than 1AFRM, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.20, 1AFRM is valued a bit cheaper.
Industry RankSector Rank
PE 57.57
Fwd PE 26.97
1AFRM.MI Price Earnings VS Forward Price Earnings1AFRM.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1AFRM.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as 1AFRM.
Industry RankSector Rank
P/FCF 25.03
EV/EBITDA 24.69
1AFRM.MI Per share data1AFRM.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • 1AFRM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as 1AFRM's earnings are expected to grow with 166.40% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y264.25%
EPS Next 3Y166.4%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1AFRM.MI Dividend Analysis

5.1 Amount

  • 1AFRM does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

1AFRM.MI Fundamentals: All Metrics, Ratios and Statistics

AFFIRM HOLDINGS INC

BIT:1AFRM (4/2/2026, 7:00:00 PM)

39.72

+39.72 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-05
Earnings (Next)05-07
Inst Owners85.17%
Inst Owner ChangeN/A
Ins Owners0.94%
Ins Owner ChangeN/A
Market Cap13.23B
Revenue(TTM)3.72B
Net Income(TTM)282.33M
Analysts79.46
Price Target71.49 (79.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)74.79%
Min EPS beat(2)39.07%
Max EPS beat(2)110.5%
EPS beat(4)4
Avg EPS beat(4)91.78%
Min EPS beat(4)39.07%
Max EPS beat(4)133.59%
EPS beat(8)8
Avg EPS beat(8)92.34%
EPS beat(12)12
Avg EPS beat(12)69.42%
EPS beat(16)13
Avg EPS beat(16)55.23%
Revenue beat(2)2
Avg Revenue beat(2)3.68%
Min Revenue beat(2)3.27%
Max Revenue beat(2)4.08%
Revenue beat(4)3
Avg Revenue beat(4)2.01%
Min Revenue beat(4)-1.95%
Max Revenue beat(4)4.08%
Revenue beat(8)7
Avg Revenue beat(8)3.21%
Revenue beat(12)11
Avg Revenue beat(12)4.59%
Revenue beat(16)13
Avg Revenue beat(16)3.1%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 57.57
Fwd PE 26.97
P/S 4.17
P/FCF 25.03
P/OCF 18.59
P/B 4.37
P/tB 5.16
EV/EBITDA 24.69
EPS(TTM)0.69
EY1.74%
EPS(NY)1.47
Fwd EY3.71%
FCF(TTM)1.59
FCFY4%
OCF(TTM)2.14
OCFY5.38%
SpS9.53
BVpS9.09
TBVpS7.69
PEG (NY)0.08
PEG (5Y)N/A
Graham Number11.8808 (-70.09%)
Profitability
Industry RankSector Rank
ROA 2.18%
ROE 7.96%
ROCE 5.28%
ROIC 4.48%
ROICexc 5.1%
ROICexgc 5.49%
OM 17.93%
PM (TTM) 7.6%
GM 92.32%
FCFM 16.66%
ROA(3y)-5.68%
ROA(5y)-7.25%
ROE(3y)-18.71%
ROE(5y)-20.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.9%
GM growth 5Y6.25%
F-Score8
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 2.54
Debt/FCF 14.55
Debt/EBITDA 9.68
Cap/Depr 81.02%
Cap/Sales 5.76%
Interest Coverage 1.63
Cash Conversion 89.54%
Profit Quality 219.3%
Current Ratio 5.29
Quick Ratio 5.29
Altman-Z 1.27
F-Score8
WACC7.55%
ROIC/WACC0.59
Cap/Depr(3y)89.78%
Cap/Depr(5y)116.51%
Cap/Sales(3y)6.81%
Cap/Sales(5y)6.21%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)224.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%60.87%
EPS Next Y754.09%
EPS Next 2Y264.25%
EPS Next 3Y166.4%
EPS Next 5Y102.22%
Revenue 1Y (TTM)32.7%
Revenue growth 3Y33.69%
Revenue growth 5Y44.63%
Sales Q2Q%29.62%
Revenue Next Year29.83%
Revenue Next 2Y26.96%
Revenue Next 3Y26.53%
Revenue Next 5Y23.05%
EBIT growth 1Y1964.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1409.53%
EBIT Next 3Y187.76%
EBIT Next 5Y92.99%
FCF growth 1Y1787.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y412.07%
OCF growth 3YN/A
OCF growth 5YN/A

AFFIRM HOLDINGS INC / 1AFRM.MI Fundamental Analysis FAQ

What is the fundamental rating for 1AFRM stock?

ChartMill assigns a fundamental rating of 4 / 10 to 1AFRM.MI.


Can you provide the valuation status for AFFIRM HOLDINGS INC?

ChartMill assigns a valuation rating of 3 / 10 to AFFIRM HOLDINGS INC (1AFRM.MI). This can be considered as Overvalued.


How profitable is AFFIRM HOLDINGS INC (1AFRM.MI) stock?

AFFIRM HOLDINGS INC (1AFRM.MI) has a profitability rating of 4 / 10.


What is the valuation of AFFIRM HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AFFIRM HOLDINGS INC (1AFRM.MI) is 57.57 and the Price/Book (PB) ratio is 4.37.