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Affirm Holdings, Inc. (AFRM) Stock Forecast 2025 - AI Price Prediction & Analysis

Affirm Holdings, Inc. (AFRM) AI Stock Price Forecast & Investment Analysis

Affirm Holdings, Inc. Stock Price Chart and Technical Analysis

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Affirm Holdings, Inc. (AFRM) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

Affirm Holdings, Inc. (Stock Symbol: AFRM) is a leading company in the Finance sector , specifically operating within the Personal Credit Institutions industry. The organization employs approximately 1200 professionals worldwide . The company has established itself as a major market leader with significant institutional backing.

Financial Performance & Key Metrics Analysis

Annual Revenue: $3224 million generating a -2,1% net profit margin .

Market Capitalization: $29093 million - Classified as a large-cap stock with institutional-grade stability.

Return on Equity (ROE): -25,5% - Below-average shareholder return efficiency, indicating areas for operational improvement.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Affirm Holdings, Inc. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

Affirm Holdings, Inc. strategically competes in the highly dynamic Personal Credit Institutions marketplace, positioning itself as a dominant large-cap market leader with significant competitive moats and institutional investor confidence . The company maintains a healthy 15,6% gross margin, indicating strong pricing power and operational efficiency.

Affirm Holdings, Inc. (AFRM) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Affirm Holdings, Inc. stock analysis.

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Deep dive into Affirm Holdings, Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Affirm Holdings, Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Affirm Holdings, Inc.: With a P/E ratio of 557,48, the market highly values future growth prospects.

P/E Ratio 557,48x
P/B Ratio 9,48x
Market Cap $29093M
EPS $0,16
Book Value/Share $9,00
Revenue/Share $9,46
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Affirm Holdings, Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Affirm Holdings, Inc.: An ROE of -25,5% indicates room for improvement in shareholder value creation.

ROE -25,5%
ROA -10,8%
ROIC -11,3%
Gross Margin 15,6%
Operating Margin -7,3%
Net Margin -2,1%
EBT Margin -51,0%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Affirm Holdings, Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Affirm Holdings, Inc.: A current ratio of 41,31 indicates strong liquidity.

Current Ratio 41,31x
Quick Ratio 37,97x
D/E Ratio 1,61x
Financial Leverage 2,73x
Interest Coverage -6,8x
Working Capital $1304M
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Affirm Holdings, Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Affirm Holdings, Inc.: Free cash flow of $-190M indicates cash challenges that need attention.

Operating Cash Flow $-123M
Free Cash Flow $-190M
Capital Spending $-67M
FCF/Sales -15,2%
CapEx/Sales 5,4%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Affirm Holdings, Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Affirm Holdings, Inc.: An asset turnover of 0,21x suggests room for improvement in asset utilization.

Asset Turnover 0,21x
Receivables Turnover 13,1x
Fixed Assets Turnover 8,1x
Days Sales Outstanding 28 days
Payables Period 29 days
Understanding Financial Statement Data

What these metrics mean: Key figures from Affirm Holdings, Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Affirm Holdings, Inc.: With annual revenue of $3224M, Affirm Holdings, Inc. operates at significant scale.

Income Statement ($ Millions)
Total Revenue $3224M
SG&A Expense $77M
Cost of Goods Sold $448M
Balance Sheet Highlights ($ Millions)
Total Current Assets $83M
Cash & Short-term Investments $41M
Total Liabilities $63M
Accounts Receivable $35M
Dividend & Shareholder Information
Shares Outstanding 341M
Growth Metrics (YoY)
EPS Growth -0,3%

Latest Affirm Holdings, Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Affirm Holdings, Inc. (AFRM) stock price and investment outlook.

Affirm Holdings, Inc. Competitors & Peer Analysis - Finance Sector

Comparative analysis of Affirm Holdings, Inc. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
AFRM Unlock Forecast $29093M 557,5x 9,5x
ATLC Unlock Forecast $1369M 11,1x 2,4x
ATLCL Unlock Forecast $516M 4,2x 0,9x
ATLCP Unlock Forecast $484M 3,9x 0,9x
ATLCZ Unlock Forecast $521M 4,2x 0,9x
BFH Unlock Forecast $3179M 11,2x 1,0x
CACC Unlock Forecast $6249M 14,7x 4,0x
DFS Unlock Forecast $2M 13,4x 0,0x
ENVA Unlock Forecast $3263M 12,7x 2,7x
LC Unlock Forecast $1920M 25,9x 1,4x
LPRO Unlock Forecast $252M 106,1x 3,2x
NNI Unlock Forecast $3131M 6,9x 1,0x
OMF Unlock Forecast $7424M 11,2x 2,2x
RM Unlock Forecast $437M 12,6x 1,2x
SLM Unlock Forecast $6609M 15,0x 2,8x
SLMBP Unlock Forecast $16301M 36,9x 6,9x
WRLD Unlock Forecast $886M 11,5x 2,0x

Frequently Asked Questions - Affirm Holdings, Inc. Stock Forecast

How accurate are Affirm Holdings, Inc. stock predictions?

Our AI model demonstrates 37% historical accuracy for AFRM predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence Affirm Holdings, Inc. stock price forecasts?

Our analysis considers Affirm Holdings, Inc.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Affirm Holdings, Inc. a good investment in 2025?

Based on our AI analysis, Affirm Holdings, Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Affirm Holdings, Inc. forecasts updated?

Affirm Holdings, Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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