USD 53.21
↓ -1.61 (-2.94%)
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| AFRM | -2.9 | 10.6 | 11.2 | 87.6 | 64.7 | 104.8 | -64.0 | -45.3 | -45.3 | -45.3 |
| S&P 500 | -0.6 | -0.5 | 2.3 | 7.3 | 12.1 | 32.1 | 27.0 | 90.7 | 191.4 | 33587.3 |
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| Attribute | Value |
|---|---|
| symbol | AFRM |
| name | Affirm Holdings, Inc. |
| price | 53.21 |
| changes percentage | -2.94 |
| change | -1.61 |
| day low | 52.98 |
| day high | 55.18 |
| year high | 59.27 |
| year low | 22.25 |
| market cap | 16711242000 |
| price avg 50 | 43.86 |
| price avg 200 | 35.81 |
| exchange | NASDAQ |
| volume | 7827940 |
| avg volume | 11223573 |
| open | 55.16 |
| previous close | 54.82 |
| eps | -1.41 |
| pe | -37.74 |
| earnings announcement | 2025-02-06T12:00:00.000+0000 |
| shares outstanding | 314062056 |
| timestamp | 2024-11-14 21:00:01 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2024 | 2023 | Y/Y change % | |
|---|---|---|---|
| 0001820953 | |||
| revenue | 2322999000 | 1587985000 | 46.29 |
| gross profit | 1979750000 | 714824000 | 176.96 |
| gross profit ratio | 0.85 | 0.45 | 89.33 |
| research and development expenses | 501857000 | 615818000 | -18.51 |
| operating expenses | 2938846000 | 1696803000 | 73.20 |
| interest income | 0 | 685217000 | -100.00 |
| interest expense | 344253000 | 183013000 | 88.10 |
| ebitda | -2230000 | -671598000 | 99.67 |
| ebitdaratio | -0.0 | -0.4 | 99.76 |
| operating income | -615847000 | -1200862000 | 48.72 |
| operating income ratio | -0.27 | -0.76 | 64.94 |
| net income | -517756999 | -985345000 | 47.45 |
| net income ratio | -0.22 | -0.62 | 64.08 |
| eps | -1.67 | -3.34 | 50.00 |
Revenue Growth: revenue increased to 2,323 million in 2024 from 1,588 million in 2023 representing a change of 46.29%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 1,980 million in 2024 from 715 million in 2023 representing a change of 176.96%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Income: Operating income increased to -616 million in 2024 from -1,201 million in 2023 representing a change of 48.72%. The increase in operating income indicates better operational performance and increased profitability.
Earnings per Share (EPS): EPS increased to -1.67 in 2024 from -1.67 in 2023 representing a change of 50.0%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
Research and Development (R&D) Expenses: R&D Expenses decreased to 502 million in 2024 from 616 million in 2023 representing a change of -18.51%. This shows that the company decreased investment in innovation and product development, which is not a good sign for long-term growth.
Operating Expenses: Operating Expenses increased to 2,939 million in 2024 from 1,697 million in 2023 representing a change of 73.2%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -2 million in 2024 from -672 million in 2023 representing a change of 99.67%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Net Income: Net income decreased to -518 million in 2024 from -985 million in 2023 representing a change of 47.45%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
| 2025Q1 | 2024Q4 | Q/Q change % | |
|---|---|---|---|
| 0001820953 | |||
| revenue | 698479000 | 659185000 | 5.96 |
| gross profit | 285127000 | 570019000 | -49.98 |
| gross profit ratio | 0.41 | 0.86 | -52.79 |
| research and development expenses | 134290000 | 124231000 | 8.10 |
| operating expenses | 417749999 | 500623000 | -16.55 |
| interest income | 377064000 | 337618000 | 11.68 |
| interest expense | 0 | 95256000 | -100.00 |
| ebitda | -71902000 | 130559000 | -155.07 |
| ebitdaratio | -0.1 | 0.2 | -150.34 |
| operating income | -132622999 | 69396000 | -291.11 |
| operating income ratio | -0.19 | 0.11 | -280.36 |
| net income | -100222000 | -45136000 | -122.04 |
| net income ratio | -0.14 | -0.07 | -109.55 |
| eps | -0.32 | -0.14 | -128.57 |
Revenue Growth: revenue increased to 698 million in 2025Q1 from 659 million in 2024Q4 representing a change of 5.96%. This indicates a sales growth, which is a positive sign for the company.
Research and Development (R&D) Expenses: R&D Expenses increased to 134 million in 2025Q1 from 124 million in 2024Q4 representing a change of 8.1%. This shows that the company continues to invest in innovation and product development, which is crucial for long-term growth.
Operating Expenses: Operating Expenses decreased to 418 million in 2025Q1 from 501 million in 2024Q4 representing a change of -16.55%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Gross Profit: Gross Profit decreased to 285 million in 2025Q1 from 570 million in 2024Q4 representing a change of -49.98%. This indicates a sales profitability decline, which is a negative sign for the company.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -72 million in 2025Q1 from 131 million in 2024Q4 representing a change of -155.07%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to -133 million in 2025Q1 from 69 million in 2024Q4 representing a change of -291.11%. The decrease in operating income indicates worse operational performance and decreased profitability.
Net Income: Net income decreased to -100 million in 2025Q1 from -45 million in 2024Q4 representing a change of -122.04%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to -0.32 in 2025Q1 from -0.32 in 2024Q4 representing a change of -128.57%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2024 | 2023 | Y/Y change % | |
|---|---|---|---|
| 0001820953 | |||
| total assets | 9519619000 | 8155615000 | 16.72 |
| total liabilities | 6787630000 | 5621432000 | 20.75 |
| total equity | 2731989000 | 2534183000 | 7.81 |
| cash and cash equivalents | 1013106000 | 892027000 | 13.57 |
| short term investments | 865766000 | 1174653000 | -26.30 |
| long term investments | 5769184000 | 43172000 | 13,263.25 |
| total current assets | 2514229000 | 6867815000 | -63.39 |
| total non current assets | 7005390000 | 1287800000 | 443.98 |
| total current liabilities | 518945000 | 146071000 | 255.27 |
| total non current liabilities | 6746611000 | 5475361000 | 23.22 |
| common stock | 3000 | 3000 | 0.00 |
| retained earnings | -3109004000 | -2591247000 | -19.98 |
| total debt | 6614348000 | 5451006000 | 21.34 |
Total Assets: Total Assets increased to 9,520 million in 2024 from 8,156 million in 2023 representing a change of 16.72%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 2,732 million in 2024 from 2,534 million in 2023 representing a change of 7.81%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 1,013 million in 2024 from 892 million in 2023 representing a change of 13.57%. This indicates an increase in available liquid assets.
Total Liabilities: Total Liabilities increased to 6,788 million in 2024 from 5,621 million in 2023 representing a change of 20.75%. This indicates an increase in overall liabilities.
Short Term Investments: Short Term Investments decreased to 866 million in 2024 from 1,175 million in 2023 representing a change of -26.3%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 2,514 million in 2024 from 6,868 million in 2023 representing a change of -63.39%. This indicates a worsen liquidity position.
Total Current Liabilities: Total Current Liabilities increased to 519 million in 2024 from 146 million in 2023 representing a change of 255.27%. This indicates a higher short-term debt burden.
Retained Earnings: Retained Earnings decreased to -3,109 million in 2024 from -2,591 million in 2023 representing a change of -19.98%. This indicates an accumulated losses.
Total Debt: Total Debt increased to 6,614 million in 2024 from 5,451 million in 2023 representing a change of 21.34%. This indicates an increase in overall debt burden.
| 2025Q1 | 2024Q4 | Q/Q change % | |
|---|---|---|---|
| 0001820953 | |||
| total assets | 10139159000 | 9519619000 | 6.51 |
| total liabilities | 7303587000 | 6787630000 | 7.60 |
| total equity | 2835572000 | 2731989000 | 3.79 |
| cash and cash equivalents | 1046160000 | 1295399000 | -19.24 |
| short term investments | 1073685000 | 865766000 | 24.02 |
| long term investments | 7033913000 | 5769184000 | 21.92 |
| total current assets | 2428239000 | 2514229000 | -3.42 |
| total non current assets | 1023223000 | 7005390000 | -85.39 |
| total current liabilities | 57561000 | 518945000 | -88.91 |
| total non current liabilities | 7246026000 | 6268685000 | 15.59 |
| common stock | 3000 | 3000 | 0.00 |
| retained earnings | -3209226000 | -3109004000 | -3.22 |
| total debt | 7084078000 | 6454705000 | 9.75 |
Total Assets: Total Assets increased to 10,139 million in 2025Q1 from 9,520 million in 2024Q4 representing a change of 6.51%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 2,836 million in 2025Q1 from 2,732 million in 2024Q4 representing a change of 3.79%. This indicates an increase in shareholders' equity.
Short Term Investments: Short Term Investments increased to 1,074 million in 2025Q1 from 866 million in 2024Q4 representing a change of 24.02%. This indicates an increase in short-term investment holdings.
Total Current Liabilities: Total Current Liabilities decreased to 58 million in 2025Q1 from 519 million in 2024Q4 representing a change of -88.91%. This indicates a lower short-term debt burden.
Total Liabilities: Total Liabilities increased to 7,304 million in 2025Q1 from 6,788 million in 2024Q4 representing a change of 7.6%. This indicates an increase in overall liabilities.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 1,046 million in 2025Q1 from 1,295 million in 2024Q4 representing a change of -19.24%. This indicates a decrease in available liquid assets.
Total Current Assets: Total Current Assets decreased to 2,428 million in 2025Q1 from 2,514 million in 2024Q4 representing a change of -3.42%. This indicates a worsen liquidity position.
Retained Earnings: Retained Earnings decreased to -3,209 million in 2025Q1 from -3,109 million in 2024Q4 representing a change of -3.22%. This indicates an accumulated losses.
Total Debt: Total Debt increased to 7,084 million in 2025Q1 from 6,455 million in 2024Q4 representing a change of 9.75%. This indicates an increase in overall debt burden.
| 2024 | 2023 | Y/Y change % | |
|---|---|---|---|
| 0001820953 | |||
| net change in cash | 35455000 | -290863000 | 112.19 |
| operating cash flow | 450138000 | 12181000 | 3,595.41 |
| free cash flow | 290842000 | -108594000 | 367.83 |
| capital expenditure | -159296000 | -120775000 | -31.89 |
| depreciation and amortization | 169044000 | 134634000 | 25.56 |
| deferred income tax | 0 | 629137000 | -100.00 |
| stock based compensation | 344511000 | 451709000 | -23.73 |
| accounts payables | 12417000 | -5038000 | 346.47 |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | -16051000 | 100.00 |
| investments in property plant and equipment | -159296000 | -120775000 | -31.89 |
| net cash used for investing activites | -1325149000 | -1653070000 | 19.84 |
| debt repayment | 1096495000 | 1430574000 | -23.35 |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -189169000 | -109000 | -173,449.54 |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | 913149000 | 1349945000 | -32.36 |
| cash at end of period | 1295399000 | 1259944000 | 2.81 |
| accounts receivables | -167757000 | -67690000 | -147.83 |
| cash at beginning of period | 1259944000 | 1550807000 | -18.76 |
Net Change in Cash: Net Change in Cash increased to 35 million in 2024 from -291 million in 2023 representing a change of 112.19%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 450 million in 2024 from 12 million in 2023 representing a change of 3595.41%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 291 million in 2024 from -109 million in 2023 representing a change of 367.83%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure decreased to -159 million in 2024 from -121 million in 2023 representing a change of -31.89%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.
Stock-Based Compensation: Stock-Based Compensation decreased to 345 million in 2024 from 452 million in 2023 representing a change of -23.73%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
Accounts Receivables: Accounts Receivables decreased to -168 million in 2024 from -68 million in 2023 representing a change of -147.83%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.
Accounts Payables: The absolute value of Accounts Payables increased to 12 million in 2024 from 5 million in 2023 representing a change of 346.47%. This indicates that the company has increased its outstanding obligations to its suppliers.
| 2025Q1 | 2024Q4 | Q/Q change % | |
|---|---|---|---|
| 0001820953 | |||
| operating cash flow | 196867000 | 68763000 | 186.30 |
| free cash flow | 152715000 | 30507000 | 400.59 |
| capital expenditure | -44152000 | -38256000 | -15.41 |
| depreciation and amortization | 67059000 | 65388999 | 2.55 |
| deferred income tax | 0 | -408069000 | 100.00 |
| stock based compensation | 0 | 64913000 | -100.00 |
| accounts receivables | 41117000 | -61991000 | 166.33 |
| accounts payables | 0 | 5795000 | -100.00 |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | -44152000 | -38256000 | -15.41 |
| net cash used for investing activites | -574999000 | -537633000 | -6.95 |
| debt repayment | 529558000 | 188262000 | 181.29 |
| common stock issued | 0 | -26321000 | 100.00 |
| common stock repurchased | -63208000 | -40983000 | -54.23 |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | 465625000 | 145969000 | 218.99 |
| net change in cash | 89223000 | -324292000 | 127.51 |
| cash at end of period | 1384622000 | 1295399000 | 6.89 |
| cash at beginning of period | 1295399000 | 1619691000 | -20.02 |
Net Change in Cash: Net Change in Cash increased to 89 million in 2025Q1 from -324 million in 2024Q4 representing a change of 127.51%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 197 million in 2025Q1 from 69 million in 2024Q4 representing a change of 186.3%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 153 million in 2025Q1 from 31 million in 2024Q4 representing a change of 400.59%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure decreased to -44 million in 2025Q1 from -38 million in 2024Q4 representing a change of -15.41%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.
Stock-Based Compensation: Stock-Based Compensation decreased to 0 million in 2025Q1 from 65 million in 2024Q4 representing a change of -100.0%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
Accounts Payables: The absolute value of Accounts Payables decreased to 0 million in 2025Q1 from 6 million in 2024Q4 representing a change of -100.0%. This indicates that the company has reduced its outstanding obligations to its suppliers.
Deferred Income Tax: Deferred Income Tax increased to 0 million in 2025Q1 from -408 million in 2024Q4 representing a change of 100.0%. This indicates that the company's tax liability for future periods has increased.
Accounts Receivables: Accounts Receivables increased to 41 in 2025Q1 from -62 million in 2024Q4 representing a change of 166.33%. This suggests that the company is less capable of collecting payments from its customers.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q1 2025 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2024-06-30 | 2023-06-30 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2024 | 2023 | NaN |
| revenue per share | 7.5 | 5.38 | 39.43 |
| net income per share | -1.67 | -3.34 | 49.92 |
| operating cash flow per share | 1.45 | 0.04 | 3,422.32 |
| free cash flow per share | 0.94 | -0.37 | 355.28 |
| cash per share | 6.06 | 7.0 | -13.35 |
| book value per share | 8.82 | 8.58 | 2.76 |
| tangible book value per share | 7.05 | 6.63 | 6.41 |
| shareholders equity per share | 8.82 | 8.58 | 2.76 |
| interest debt per share | 22.33 | 18.9 | 18.16 |
| market cap | 9243038158.07 | 4527615333.78 | 104.15 |
| enterprise value | 14844280158.07 | 9086594333.78 | 63.36 |
| pe ratio | -17.85 | -4.59 | -288.51 |
| price to sales ratio | 3.98 | 2.85 | 39.55 |
| pocfratio | 20.53 | 371.69 | -94.48 |
| pfcf ratio | 31.78 | -41.69 | 176.22 |
| pb ratio | 3.38 | 1.79 | 89.37 |
| ptb ratio | 3.38 | 1.79 | 89.37 |
| ev to sales | 6.39 | 5.72 | 11.67 |
| enterprise value over ebitda | -6656.63 | -13.53 | -49,099.71 |
| ev to operating cash flow | 32.98 | 745.96 | -95.58 |
| ev to free cash flow | 51.04 | -83.67 | 161.00 |
| earnings yield | -0.06 | -0.22 | 74.26 |
| free cash flow yield | 0.03 | -0.02 | 231.19 |
| debt to equity | 2.41 | 2.13 | 12.97 |
| debt to assets | 0.69 | 0.66 | 4.34 |
| net debt to ebitda | -2511.77 | -6.79 | -36,901.67 |
| current ratio | 4.84 | 47.02 | -89.70 |
| interest coverage | -1.79 | -6.56 | 72.74 |
| income quality | -0.87 | -0.01 | -6,932.75 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0.23 | 0.37 | -38.76 |
| research and ddevelopement to revenue | 0.22 | 0.39 | -44.29 |
| intangibles to total assets | 0.06 | 0.07 | -18.79 |
| capex to operating cash flow | 0.35 | 9.92 | -96.43 |
| capex to revenue | 0.07 | 0.08 | -9.84 |
| capex to depreciation | 0.94 | 0.9 | 5.05 |
| stock based compensation to revenue | 0.15 | 0.28 | -47.86 |
| graham number | 18.21 | 25.38 | -28.26 |
| roic | -0.07 | -0.15 | 55.93 |
| return on tangible assets | -0.06 | -0.13 | 55.62 |
| graham net net | -15.53 | -11.53 | -34.66 |
| working capital | 1995284000 | 6721744000 | -70.32 |
| tangible asset value | 2185048000 | 1957178000 | 11.64 |
| net current asset value | -4273401000 | 1246383000 | -442.86 |
| invested capital | 2991774000 | 7619055000 | -60.73 |
| average receivables | 276094500 | 180552000 | 52.92 |
| average payables | 34810500 | 30837000 | 12.89 |
| average inventory | -167159499.5 | -36334499.5 | -360.06 |
| days sales outstanding | 55.47 | 45.78 | 21.17 |
| days payables outstanding | 43.62 | 11.96 | 264.82 |
| days of inventory on hand | -355.5 | 0.0 | -85,044,475,789.37 |
| receivables turnover | 6.58 | 7.97 | -17.47 |
| payables turnover | 8.37 | 30.53 | -72.59 |
| inventory turnover | -1.03 | 873161000 | -100.00 |
| roe | -0.19 | -0.39 | 51.26 |
| capex per share | 0.51 | 0.41 | 25.72 |
ROE: Return on Equity (ROE) increased to -0.19 on 2024-06-30 from -0.39 on 2023-06-30, representing a change of 51.26%. However, ROE is <= 5%, suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to -17.85 on 2024-06-30 from -4.59 on 2023-06-30, representing a change of -288.51%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio decreased to 4.84 on 2024-06-30 from 47.02 on 2023-06-30, representing a change of -89.70%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 2.41 on 2024-06-30 from 2.13 on 2023-06-30, representing a change of 12.97%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. A ratio of 2.0 or higher is usually considered risky.
| 2024-09-30 Q1 | 2024-06-30 Q4 | Q/Q change % | |
|---|---|---|---|
| AFRM | |||
| calendar year | 2025 | 2024 | NaN |
| revenue per share | 2.22 | 2.09 | 6.47 |
| net income per share | -0.32 | -0.14 | -123.11 |
| operating cash flow per share | 0.63 | 0.22 | 187.67 |
| free cash flow per share | 0.49 | 0.1 | 402.99 |
| cash per share | 6.75 | 6.85 | -1.44 |
| book value per share | 9.03 | 8.66 | 4.29 |
| tangible book value per share | 7.28 | 6.93 | 5.09 |
| shareholders equity per share | 9.03 | 8.66 | 4.29 |
| interest debt per share | 22.56 | 19.59 | 15.15 |
| market cap | 12816570244.66 | 9410820811.31 | 36.19 |
| enterprise value | 18854488244.66 | 14570126811.31 | 29.41 |
| pe ratio | -31.97 | -52.12 | 38.67 |
| price to sales ratio | 18.35 | 14.28 | 28.53 |
| pocfratio | 65.1 | 136.86 | -52.43 |
| pfcf ratio | 83.92 | 308.48 | -72.79 |
| pb ratio | 4.52 | 3.44 | 31.21 |
| ptb ratio | 4.52 | 3.44 | 31.21 |
| ev to sales | 26.99 | 22.1 | 22.13 |
| enterprise value over ebitda | -262.22 | 111.6 | -334.97 |
| ev to operating cash flow | 95.77 | 211.89 | -54.80 |
| ev to free cash flow | 123.46 | 477.6 | -74.15 |
| earnings yield | -0.01 | -0.0 | -63.04 |
| free cash flow yield | 0.01 | 0.0 | 267.57 |
| debt to equity | 2.5 | 2.23 | 12.14 |
| debt to assets | 0.7 | 0.64 | 9.28 |
| net debt to ebitda | -83.97 | 39.52 | -312.50 |
| current ratio | 42.19 | 4.84 | 770.72 |
| interest coverage | 0 | 0.73 | -100.00 |
| income quality | -1.96 | -1.52 | -28.94 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0.2 | 0.19 | 5.86 |
| research and ddevelopement to revenue | 0.19 | 0.19 | 2.02 |
| intangibles to total assets | 0.05 | 0.06 | -5.55 |
| capex to operating cash flow | 0.22 | 0.56 | -59.69 |
| capex to revenue | 0.06 | 0.06 | 8.92 |
| capex to depreciation | 0.66 | 0.59 | 12.54 |
| stock based compensation to revenue | 0 | 0.1 | -100.00 |
| graham number | 8.05 | 5.28 | 52.54 |
| roic | -0.01 | 0.01 | -269.35 |
| return on tangible assets | -0.01 | -0.01 | -107.77 |
| graham net net | -15.77 | -14.3 | -10.29 |
| working capital | 2370678000 | 1995284000 | 18.81 |
| tangible asset value | 2285368000 | 2185048000 | 4.59 |
| net current asset value | -4875348000 | -4273401000 | -14.09 |
| invested capital | 3393901000 | 2991774000 | 13.44 |
| average receivables | 330729000 | 323289500 | 2.30 |
| average payables | 49290000 | 38121500 | 29.30 |
| average inventory | -150296000 | -359358000 | 58.18 |
| days sales outstanding | 39.74 | 48.2 | -17.57 |
| days payables outstanding | 12.53 | 41.4 | -69.73 |
| days of inventory on hand | 0 | -303.4 | 100.00 |
| receivables turnover | 2.26 | 1.87 | 21.31 |
| payables turnover | 7.18 | 2.17 | 230.35 |
| inventory turnover | 0 | -0.3 | 100.00 |
| roe | -0.04 | -0.02 | -113.93 |
| capex per share | 0.14 | 0.12 | 15.96 |
ROE: Return on Equity (ROE) decreased to -0.04 on 2024-09-30 Q1 from -0.02 on 2024-06-30 Q4, representing a change of -113.93%. Suggesting that the company has not been generating high returns for its shareholders.
Current Ratio: Current Ratio increased to 42.19 on 2024-09-30 Q1 from 4.84 on 2024-06-30 Q4, representing a change of 770.72%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 2.50 on 2024-09-30 Q1 from 2.23 on 2024-06-30 Q4, representing a change of 12.14%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. A ratio of 2.0 or higher is usually considered risky.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to -31.97 on 2024-09-30 Q1 from -52.12 on 2024-06-30 Q4, representing a change of 38.67%. Indicating an increase in the relative valuation of the company's stock.
Negative Sentiment: Discounted Cash Flow value is -45.61 which is lower than current price 53.21, indicates the company may be overvalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Positive
Publish Date: 2024-11-14 04:41:00
This buy now, pay later company is growing nicely and could benefit from tailwinds that could make it profitable in the near future.
Sentiment: Positive
Publish Date: 2024-11-13 14:16:14
AFRM is well-poised to benefit from growing merchant network revenues, strength in its AI-driven platform and a booming BNPL market.
Sentiment: Positive
Publish Date: 2024-11-12 06:04:07
Visa is partnering with fintech company Affirm to roll out a card in the U.S. that customers can use for both debit transactions and buy now, pay later purchases, reflecting the growing demand for flexibility in payment options.
Sentiment: Positive
Publish Date: 2024-11-11 10:02:07
Zacks.com users have recently been watching Affirm Holdings (AFRM) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Sentiment: Positive
Publish Date: 2024-11-09 03:48:00
Robinhood, Upstart, and Affirm are positioned to head higher.
Sentiment: Positive
Publish Date: 2024-11-08 15:40:16
Despite revenue climbing 41% annually in its fiscal first quarter earnings, shares of Affirm Holdings (AFRM) are under pressure in Friday's session. Catalysts welcomes Affirm COO Michael Linford to talk more about the company's performance and operating profit from its latest quarter.
Sentiment: Negative
Publish Date: 2024-11-08 13:21:22
AFRM's fiscal first-quarter results benefit from higher transactions and gross merchandise volume. Higher expenses partially offset the results.
Sentiment: Positive
Publish Date: 2024-11-08 13:18:33
On Wall Street, what goes up must go down, and vice versa. A momentous week with a seesaw of volatility in the markets could be rightly chalked up to the seismic shifts from elections Tuesday (Nov. 5).
Sentiment: Positive
Publish Date: 2024-11-08 12:14:57
The buy-now, pay later giant Affirm reporting a better-than-expected first quarter. Founder and CEO Max Levchin joined Bloomberg Open Interest to talk about the results and what's ahead for the holiday season.
Sentiment: Negative
Publish Date: 2024-11-08 07:42:00
The buy now, pay later firm flies past quarterly estimates and sees gross merchandise volume soar 35% from a year prior.
Sentiment: Negative
Publish Date: 2024-11-07 21:17:30
“It was another killer quarter,” Affirm CEO Max Levchin said on the buy now, pay later (BNPL) provider's fiscal first quarter conference call Thursday (Nov. 7) after the markets closed. Levchin noted Affirm has a third of the volume and more than half of the revenue in the U.S.
Sentiment: Positive
Publish Date: 2024-11-07 21:00:43
Although the revenue and EPS for Affirm Holdings (AFRM) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Sentiment: Positive
Publish Date: 2024-11-07 19:56:18
Affirm Holdings (AFRM) came out with a quarterly loss of $0.31 per share versus the Zacks Consensus Estimate of a loss of $0.36. This compares to break-even earnings per share a year ago.
Sentiment: Positive
Publish Date: 2024-11-07 19:05:58
Affirm Holdings, Inc. (NASDAQ:AFRM ) Q1 2025 Earnings Conference Call November 7, 2024 5:00 PM ET Company Participants Zane Keller - Director of Investor Relations Max Levchin - Founder and Chief Executive Officer Michael Linford - Chief Operating Officer Conference Call Participants Andrew Bauch - Wells Fargo Nathaniel Richam-Odoi - Bank of America Securities John Hecht - Jefferies James Faucette - Morgan Stanley Vincent Caintic - BTIG Dan Dolev - Mizuho Securities Robert Wildhack - Autonomous Research Reginald Smith - JPMorgan Jill Shea - UBS Operator Good day, ladies and gentlemen, and thank you for joining us for this Affirm Fiscal Holdings First Quarter 2025. Getting started, all participants are in a listen-only mode, but later you will have the opportunity to ask questions during the question-and-answer session.
Sentiment: Positive
Publish Date: 2024-11-07 17:35:00
Affirm CEO Max Levchin joins 'Closing Bell Overtime' to talk the state of the consumer, quarterly results, growth opportunities and more.
Sentiment: Negative
Publish Date: 2024-11-07 17:12:23
CNBC's MacKenzie Sigalos joins 'Closing Bell Overtime' to talk Affirm and Block earnings.
Sentiment: Positive
Publish Date: 2024-11-07 16:47:39
Affirm stock fell after fiscal Q1 earnings topped estimates while guidance came in slightly above views ahead of the holiday shopping season. The post Affirm Earnings Beat.
Sentiment: Positive
Publish Date: 2024-11-07 16:45:00
The company is seeing more of its business shift toward interest-bearing products.
Sentiment: Positive
Publish Date: 2024-11-07 16:44:33
Affirm, the provider of buy now, pay later loans reported better-than-expected fiscal first-quarter results. Growth in GMV, which is a key industry metric that helps gauge the total value of transactions over the reporting window, accelerated, increasing by 35% from a year earlier.
Sentiment: Positive
Publish Date: 2024-11-06 11:13:54
Donald Trump's 2024 win should boost stocks like GEO Group, CoreCivic, Target Hospitality, Affirm, Federal National Mortgage Association, and Bitcoin pre-market. GEO Group and CoreCivic benefit from Trump's policies, with potential gains similar to post-2016 election performances. Target Hospitality could see increased demand for facilities due to stricter immigration policies and more drilling activity.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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