
Affirm Holdings Inc
NASDAQ:AFRM

Intrinsic Value
The intrinsic value of one
AFRM
stock under the Base Case scenario is
30.37
USD.
Compared to the current market price of 69.19 USD,
Affirm Holdings Inc
is
Overvalued by 56%.
The Intrinsic Value is calculated as the average of DCF and Relative values:

Valuation History
Affirm Holdings Inc
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Fundamental Analysis

Affirm’s greatest vulnerability lies in its high exposure to consumer credit risk and macroeconomic cycles; a potential uptick in default rates could significantly impair revenue growth and thus dent investor confidence in the core BNPL segment.
Affirm’s integrated partnerships with high-traffic e-commerce platforms confer an advantage in customer acquisition, strengthening its market presence as consumers increasingly choose flexible payment options at top-tier online merchant checkouts.

Revenue & Expenses Breakdown
Affirm Holdings Inc
Balance Sheet Decomposition
Affirm Holdings Inc
Current Assets | 1.6B |
Cash & Short-Term Investments | 1.4B |
Receivables | 220.3m |
Non-Current Assets | 8.9B |
Long-Term Investments | 780.2m |
PP&E | 543.3m |
Intangibles | 534.8m |
Other Non-Current Assets | 7B |
Free Cash Flow Analysis
Affirm Holdings Inc
USD | |
Free Cash Flow | USD |
Earnings Waterfall
Affirm Holdings Inc
Revenue
|
2.7B
USD
|
Operating Expenses
|
-2.6B
USD
|
Operating Income
|
91.5m
USD
|
Other Expenses
|
-153.7m
USD
|
Net Income
|
-62.2m
USD
|
AFRM Profitability Score
Profitability Due Diligence
Affirm Holdings Inc's profitability score is 36/100. The higher the profitability score, the more profitable the company is.

Score
Affirm Holdings Inc's profitability score is 36/100. The higher the profitability score, the more profitable the company is.
AFRM Solvency Score
Solvency Due Diligence
Affirm Holdings Inc's solvency score is 32/100. The higher the solvency score, the more solvent the company is.

Score
Affirm Holdings Inc's solvency score is 32/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
AFRM Price Targets Summary
Affirm Holdings Inc
According to Wall Street analysts, the average 1-year price target for
AFRM
is 68.55 USD
with a low forecast of 56.56 USD and a high forecast of 86.1 USD.
Dividends
Current shareholder yield for AFRM is
.
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
The intrinsic value of one
AFRM
stock under the Base Case scenario is
30.37
USD.
Compared to the current market price of 69.19 USD,
Affirm Holdings Inc
is
Overvalued by 56%.