Affirm Holdings Inc - Ordinary Shares - Class A
AFRM
Market Cap$28.54B
Close$
Earnings Call Q4 2025
August 28, 2025 - AI Summary
Record Performance in Q4: Affirm reported exceptionally strong results, achieving new records in most of its key metrics, with significant year-over-year (YOY) growth, particularly in gross merchandise volume (GMV). The quarter's performance exceeded expectations, indicating strong acceleration in growth and consumer engagement.
Strong Demand for 0% APR Products: Approximately 50% of first-time users opted for 0% APR financing, leading to high repeat engagement rates similar to traditional users. This highlights Affirm's ability to attract and retain customers, with growth in 0% transactions showing a YOY increase exceeding 90%.
Stable Credit Performance Amid Economic Concerns: Despite macroeconomic pressures, including the potential return of student loan repayments, Affirm's credit performance remains strong and consistent. The company maintains a rigorous underwriting process, with regular updates to the executive team to ensure vigilance against credit risks.
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$-42.38
147.3% downside
Current Fair Value
147.3% downsideOvervalued by 147.3% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $28.54 Billion |
|---|---|
| Enterprise Value | $34.55 Billion |
| Dividend Yield | $- (-) |
| Earnings per Share | $-1.67 |
| Beta | 3.63 |
| Outstanding Shares | 324,053,967 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | -460.91 |
|---|---|
| PEG | 451.46 |
| Price to Sales | 44.83 |
| Price to Book Ratio | 11.21 |
| Enterprise Value to Revenue | 40.9 |
| Enterprise Value to EBIT | -213.28 |
| Enterprise Value to Net Income | -556 |
| Total Debt to Enterprise | 0.21 |
| Debt to Equity | 2.56 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About Affirm Holdings Inc
916 employeesAffirm¡¯s mission is to deliver honest financial products that improve lives. With that in mind, Affirm is building the next generation platform for digital and mobile-first commerce, making it easier for consumers to spend responsibly an...