Ratios Revealed: Decoding Affirm Holdings Inc (AFRM)’s Financial Health

Kiel Thompson

Investors seeking to outperform the market often focus on hand-picking stocks. Selecting the right ones has proven to be a key factor in boosting wealth.

The closing price of Affirm Holdings Inc (NASDAQ: AFRM) was $74.42 for the day, up 1.83% from the previous closing price of $73.08. In other words, the price has increased by $1.83 from its previous closing price. On the day, 8.89 million shares were traded. AFRM stock price reached its highest trading level at $76.08 during the session, while it also had its lowest trading level at $73.4.

Ratios:

Our analysis of AFRM’s different ratios will help us gain a deeper understanding of the company. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 10.06 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 40.28. For the most recent quarter (mrq), Quick Ratio is recorded 6.56 and its Current Ratio is at 6.56. In the meantime, Its Debt-to-Equity ratio is 2.49 whereas as Long-Term Debt/Eq ratio is at 2.42.

Upgrades & Downgrades

In addition, analysts’ ratings and any changes thereto give investors an idea of. The stock’s future direction. In the most recent recommendation for this company, Rothschild & Co Redburn on August 01, 2025, initiated with a Neutral rating and assigned the stock a target price of $74.

On July 21, 2025, Oppenheimer started tracking the stock assigning a Outperform rating and target price of $80.

Insider Transactions:

Also, insider trades can serve as a great indicator of what management thinks about the future direction of a stock’s price. A recent insider transaction in this stock occurred on Sep 22 ’25 when Levchin Max R sold 651,713 shares for $89.27 per share. The transaction valued at 58,175,590 led to the insider holds 0 shares of the business.

Maksim Rafael Levchin bought 651,713 shares of AFRM for $58,177,442 on Sep 22 ’25. On Sep 15 ’25, another insider, Jiyane Siphelele, who serves as the Chief Accounting Officer of the company, sold 12,500 shares for $85.42 each. As a result, the insider received 1,067,750 and left with 213,967 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, AFRM now has a Market Capitalization of 24759193600 and an Enterprise Value of 30694739968. As of this moment, Affirm’s Price-to-Earnings (P/E) ratio for their current fiscal year is 580.95, and their Forward P/E ratio for the next fiscal year is 49.55. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 3.94. For the stock, the TTM Price-to-Sale (P/S) ratio is 7.52 while its Price-to-Book (P/B) ratio in mrq is 7.88. Its current Enterprise Value per Revenue stands at 9.519 whereas that against EBITDA is 165.909.

Stock Price History:

The Beta on a monthly basis for AFRM is 3.58, which has changed by 0.8981818 over the last 52 weeks, in comparison to a change of 0.17342639 over the same period for the S&P500. Over the past 52 weeks, AFRM has reached a high of $100.00, while it has fallen to a 52-week low of $30.90. The 50-Day Moving Average of the stock is -5.34%, while the 200-Day Moving Average is calculated to be 18.35%.

Shares Statistics:

AFRM traded an average of 7.21M shares per day over the past three months and 7355730 shares per day over the past ten days. A total of 284.38M shares are outstanding, with a floating share count of 271.66M. Insiders hold about 16.58% of the company’s shares, while institutions hold 71.50% stake in the company. Shares short for AFRM as of 1757894400 were 17008700 with a Short Ratio of 2.36, compared to 1755216000 on 18115983. Therefore, it implies a Short% of Shares Outstanding of 17008700 and a Short% of Float of 6.260000000000001.

Earnings Estimates

The dynamic stock of Affirm Holdings Inc (AFRM) is currently attracting attention from 3.0 analysts actively involved in rating its market status.The consensus estimate for the next quarter is $0.66, with high estimates of $0.94 and low estimates of $0.44.

Analysts are recommending an EPS of between $3.16 and $2.14 for the fiscal current year, implying an average EPS of $2.44. EPS for the following year is $3.25, with 4.0 analysts recommending between $3.52 and $2.91.

Revenue Estimates

It is expected that $90B in revenue will be generated in. The current quarter, according to 18 analysts. It ranges from a high estimate of $906.9M to a low estimate of $862.8M. As of. The current estimate, Affirm Holdings Inc’s year-ago sales were $698.48MFor the next quarter, 18 analysts are estimating revenue of $1.05B. There is a high estimate of $1.11B for the next quarter, whereas the lowest estimate is $999.89M.

A total of 23 analysts have provided revenue estimates for AFRM’s current fiscal year. The highest revenue estimate was $4.27B, while the lowest revenue estimate was $3.78B, resulting in an average revenue estimate of $3.98B. In the same quarter a year ago, actual revenue was $3.22BBased on 23 analysts’ estimates, the company’s revenue will be $4.91B in the next fiscal year. The high estimate is $5.5B and the low estimate is $4.59B.

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