74.43 USD
-1.42 (-1.87%)
74.46 USD
+0.03 (+0.04%)
Overall AFRM gets a fundamental rating of 5 out of 10. We evaluated AFRM against 98 industry peers in the Financial Services industry. AFRM has only an average score on both its financial health and profitability. AFRM is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
AFRM had positive earnings in the past year.
In the past year AFRM had a positive cash flow from operations.
AFRM had negative earnings in 4 of the past 5 years.
In multiple years AFRM reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 2.03%, AFRM is doing good in the industry, outperforming 62.24% of the companies in the same industry.
AFRM has a Return On Equity (7.07%) which is comparable to the rest of the industry.
AFRM has a Return On Invested Capital (4.13%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 7.07% | ||
| ROIC | 4.13% |
ROA(3y)-5.68%
ROA(5y)-7.25%
ROE(3y)-18.71%
ROE(5y)-20.05%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AFRM's Profit Margin of 6.74% is in line compared to the rest of the industry. AFRM outperforms 45.92% of its industry peers.
With a Operating Margin value of 15.62%, AFRM perfoms like the industry average, outperforming 55.10% of the companies in the same industry.
Looking at the Gross Margin, with a value of 92.50%, AFRM belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
AFRM's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.62% | ||
| PM (TTM) | 6.74% | ||
| GM | 92.5% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.9%
GM growth 5Y6.25%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AFRM is destroying value.
AFRM has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, AFRM has more shares outstanding
The debt/assets ratio for AFRM is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.04 indicates that AFRM is not a great score, but indicates only limited risk for bankruptcy at the moment.
AFRM's Altman-Z score of 2.04 is fine compared to the rest of the industry. AFRM outperforms 76.53% of its industry peers.
AFRM has a debt to FCF ratio of 10.06. This is a negative value and a sign of low solvency as AFRM would need 10.06 years to pay back of all of its debts.
With a Debt to FCF ratio value of 10.06, AFRM perfoms like the industry average, outperforming 45.92% of the companies in the same industry.
AFRM has a Debt/Equity ratio of 2.35. This is a high value indicating a heavy dependency on external financing.
AFRM has a Debt to Equity ratio of 2.35. This is in the lower half of the industry: AFRM underperforms 70.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.35 | ||
| Debt/FCF | 10.06 | ||
| Altman-Z | 2.04 |
ROIC/WACC0.52
WACC7.92%
2.3 Liquidity
A Current Ratio of 4.58 indicates that AFRM has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.58, AFRM belongs to the top of the industry, outperforming 90.82% of the companies in the same industry.
A Quick Ratio of 4.58 indicates that AFRM has no problem at all paying its short term obligations.
AFRM has a better Quick ratio (4.58) than 90.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.58 | ||
| Quick Ratio | 4.58 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 147.18% over the past year.
The Revenue has grown by 37.00% in the past year. This is a very strong growth!
AFRM shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 44.63% yearly.
EPS 1Y (TTM)147.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%174.19%
Revenue 1Y (TTM)37%
Revenue growth 3Y33.69%
Revenue growth 5Y44.63%
Sales Q2Q%33.62%
3.2 Future
Based on estimates for the next years, AFRM will show a very strong growth in Earnings Per Share. The EPS will grow by 102.22% on average per year.
AFRM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.05% yearly.
EPS Next Y661.23%
EPS Next 2Y258.37%
EPS Next 3Y167.68%
EPS Next 5Y102.22%
Revenue Next Year27.77%
Revenue Next 2Y26.34%
Revenue Next 3Y25.94%
Revenue Next 5Y23.05%
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 111.09, the valuation of AFRM can be described as expensive.
Based on the Price/Earnings ratio, AFRM is valued a bit more expensive than 76.53% of the companies in the same industry.
AFRM is valuated expensively when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 44.58, AFRM can be considered very expensive at the moment.
AFRM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. AFRM is more expensive than 75.51% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AFRM to the average of the S&P500 Index (23.13), we can say AFRM is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 111.09 | ||
| Fwd PE | 44.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AFRM is valued a bit more expensive than 61.22% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFRM is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.94 | ||
| EV/EBITDA | 39.38 |
4.3 Compensation for Growth
The 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 AFRM's earnings are expected to grow with 167.68% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y258.37%
EPS Next 3Y167.68%
5. Dividend
5.1 Amount
No dividends for AFRM!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
74.43
-1.42 (-1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners83.06%
Inst Owner Change4.31%
Ins Owners0.92%
Ins Owner Change-0.16%
Market Cap24.57B
Revenue(TTM)3.46B
Net Income(TTM)233.10M
Analysts80
Price Target96.04 (29.03%)
Short Float %6.58%
Short Ratio3.36
Dividend
| Industry Rank | Sector 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)97.23%
Min EPS beat(2)83.96%
Max EPS beat(2)110.5%
EPS beat(4)4
Avg EPS beat(4)144.46%
Min EPS beat(4)83.96%
Max EPS beat(4)249.78%
EPS beat(8)8
Avg EPS beat(8)90.83%
EPS beat(12)11
Avg EPS beat(12)65.35%
EPS beat(16)12
Avg EPS beat(16)48.68%
Revenue beat(2)2
Avg Revenue beat(2)2.96%
Min Revenue beat(2)2.65%
Max Revenue beat(2)3.27%
Revenue beat(4)3
Avg Revenue beat(4)2.3%
Min Revenue beat(4)-1.95%
Max Revenue beat(4)5.23%
Revenue beat(8)7
Avg Revenue beat(8)4.11%
Revenue beat(12)10
Avg Revenue beat(12)3.76%
Revenue beat(16)13
Avg Revenue beat(16)3.32%
PT rev (1m)-0.76%
PT rev (3m)-0.77%
EPS NQ rev (1m)2.62%
EPS NQ rev (3m)19.32%
EPS NY rev (1m)14.55%
EPS NY rev (3m)13.28%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0.75%
Revenue NY rev (1m)1.82%
Revenue NY rev (3m)2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 111.09 | ||
| Fwd PE | 44.58 | ||
| P/S | 7.1 | ||
| P/FCF | 31.94 | ||
| P/OCF | 25.28 | ||
| P/B | 7.45 | ||
| P/tB | 8.91 | ||
| EV/EBITDA | 39.38 |
EPS(TTM)0.67
EY0.9%
EPS(NY)1.67
Fwd EY2.24%
FCF(TTM)2.33
FCFY3.13%
OCF(TTM)2.94
OCFY3.95%
SpS10.48
BVpS9.99
TBVpS8.35
PEG (NY)0.17
PEG (5Y)N/A
Graham Number12.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 7.07% | ||
| ROCE | 4.87% | ||
| ROIC | 4.13% | ||
| ROICexc | 4.75% | ||
| ROICexgc | 5.13% | ||
| OM | 15.62% | ||
| PM (TTM) | 6.74% | ||
| GM | 92.5% | ||
| FCFM | 22.24% |
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-Score9
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.35 | ||
| Debt/FCF | 10.06 | ||
| Debt/EBITDA | 9.87 | ||
| Cap/Depr | 83.06% | ||
| Cap/Sales | 5.85% | ||
| Interest Coverage | 1.32 | ||
| Cash Conversion | 123.92% | ||
| Profit Quality | 329.99% | ||
| Current Ratio | 4.58 | ||
| Quick Ratio | 4.58 | ||
| Altman-Z | 2.04 |
F-Score9
WACC7.92%
ROIC/WACC0.52
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)147.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%174.19%
EPS Next Y661.23%
EPS Next 2Y258.37%
EPS Next 3Y167.68%
EPS Next 5Y102.22%
Revenue 1Y (TTM)37%
Revenue growth 3Y33.69%
Revenue growth 5Y44.63%
Sales Q2Q%33.62%
Revenue Next Year27.77%
Revenue Next 2Y26.34%
Revenue Next 3Y25.94%
Revenue Next 5Y23.05%
EBIT growth 1Y440.51%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1306.91%
EBIT Next 3Y183.06%
EBIT Next 5Y92.99%
FCF growth 1Y1273.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1522.93%
OCF growth 3YN/A
OCF growth 5YN/A
AFFIRM HOLDINGS INC / AFRM FAQ
What is the ChartMill fundamental rating of AFFIRM HOLDINGS INC (AFRM) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AFRM.
Can you provide the valuation status for AFFIRM HOLDINGS INC?
ChartMill assigns a valuation rating of 2 / 10 to AFFIRM HOLDINGS INC (AFRM). This can be considered as Overvalued.
How profitable is AFFIRM HOLDINGS INC (AFRM) stock?
AFFIRM HOLDINGS INC (AFRM) has a profitability rating of 4 / 10.
How financially healthy is AFFIRM HOLDINGS INC?
The financial health rating of AFFIRM HOLDINGS INC (AFRM) is 5 / 10.