Tickerover
Digital Payments / Fintech

AFRM Stock Analysis

Affirm Holdings, Inc. · current price $77.73 (+0.25% today)

Top-tier setup — 33% revenue growth, 45% net margin. Momentum, fundamentals and macro indicators are aligned.
★★★★★
Top Tier
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The six-pillar scorecard

Momentum
67
Drifting higher
price trend
Growth
37
Slow growth
sales & profit growth
Quality
78
High quality
profitability & balance sheet
Valuation
80
Looks cheap
is the price fair?
Sentiment
41
Mixed views
analyst & crowd mood
Risk
35
High risk
volatility & drawdown

Each pillar is scored 0-100 inside the stock’s own peer group, so a chipmaker is measured against chipmakers. These are quality descriptors, not buy or sell signals.

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The picture

What drove the scoreThe seven components contributing most, each read out of 100.
FundamentalsFundamentals: 9090RSI zoneRSI zone: 100100GrowthGrowth: 9595Analyst consensusAnalyst consensus: 5050Trend strengthTrend strength: 1001001-month momentum1-month momentum: 6262Relative strengthRelative strength: 6565
Margin profileWhat survives each step down the income statement.
GrossGross: 48.9%48.9%OperatingOperating: 12.6%12.6%NetNet: 45.3%45.3%Free cash flowFree cash flow: 18.5%18.5%
EPS surpriseReported EPS against estimate, last four quarters.
2026-03: -15.0% vs estimate-15%2026-032025-12: -13.9% vs estimate-14%2025-122025-09: -134.0% vs estimate-134%2025-09
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Hype Check

Reading AFRM’s price and volume history…

The audit — what has to hold for this thesis

Checking the areas that decide this thesis…

AI-generated from the company’s own filings and recent coverage, and it can be incomplete or wrong. A PASS is a reading of the cited evidence, not a verified fact and not a reason to buy. Follow each citation to the source.

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Dilution Check

Reading AFRM’s filings…

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Latest earnings

LAST EARNINGS Affirm Holdings, Inc. (AFRM)

Latest earnings

EPS
$0.61 vs $0.62 est · -1.3% vs estimate MISS
Revenue
$1.04B · +18.5% YoY
Stock reaction (1M)
+6.2%
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Valuation

P/E
14.1×
Forward P/E
16.1×
PEG
0.75
Price / Sales
6.2×
Price / Book
4.8×
EV / EBITDA
46.8×
Analyst target
$92.47
Target range
$55.10 – $117.00
Implied upside
+19.0%
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Financial health

Gross margin
48.9%
Operating margin
12.6%
Net margin
45.3%
FCF margin
18.5%
Return on equity
45.1%
Debt / equity
1.83
Revenue growth YoY
+33.0%
EPS growth YoY
+21.9%
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Technicals

$42.0952-week range$93.20
RSI (14)
53
50-day MA
$77.23
200-day MA
$66.52
ATR (14)
4.02
Beta
3.62
1-month return
+6.2%
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Earnings

QuarterEPSEst.SurpriseResult
2025-09-30$0.61$0.62-1.3%Miss
2025-12-31$0.72$0.84-13.9%Miss
2026-03-31$0.62$0.73-15.0%Miss
2026-06-30$0.85
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Ownership & risk

Short % of float
0.05%
Beta
3.62
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Latest news on AFRM

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Frequently asked

What is AFRM's Quant Score?

Affirm Holdings, Inc. (AFRM) currently has a TickerMover Quant Score of 70/100, rated ★★★★★ Top Tier. The Quant Score is a quantitative composite across six research pillars — momentum, quality, growth, valuation, sentiment and risk. It is research information, not investment advice.

Is Affirm Holdings, Inc. (AFRM) a buy?

TickerMover does not give buy or sell recommendations. AFRM scores 70/100 (★★★★★ Top Tier) on our quantitative research model — a screening signal, not a personal recommendation. Do your own research, and consider an FCA-authorised adviser before investing.

How often is AFRM's score updated?

AFRM's Quant Score and underlying data refresh through US market hours (about every five minutes), using public market and fundamental data.

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