Stock Research: Affirm Holdings

Peer-based, data-driven stock research by Obermatt enables quick and easy due diligence for your stock investing.

Affirm Holdings

NasdaqGS:AFRM US00827B1061
10
  • Value
    32
  • Growth
    99
  • Safety
    Safety
    1
  • Combined
    14
  • Sentiment
    25
  • 360° View
    360° View
    10
Unlock
Which ranks are driving this 360° View?
Subscribe to View
Company Description

Affirm Holdings, Inc. provides consumers with an alternative to traditional payment options. The Company is engaged in building a payment network. Its platform comprises three core elements: point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Its Affirm App and Website provide tailored offers from merchants based on consumers' preferences. Consumers can apply at affirm.com or via the Affirm App and, upon approval, receive a single-use virtual card to use online or in-store. Its Affirm Card allows consumers to link a bank account to pay in full, or apply to pay overtime through the Affirm App. It offers users an in-app post-purchase feature that allows them to instantly apply to convert any eligible debit transaction into an installment loan. Through the Affirm app and in partnership with Cross River Bank, it offers a high-yield savings account, with no minimum deposit requirements or fees.

more
Analysis

ANALYSIS: With an Obermatt 360° View of 10 (better than 10% compared with alternatives), overall professional sentiment and financial characteristics for the stock Affirm Holdings are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Affirm Holdings. The consolidated Growth Rank has a good rank of 99, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth, as well as stock returns. It ranks higher than 99% of competitors in the same industry. The other indicators are below average, namely the Value, Safety, and Sentiment Ranks.The Value Rank at 1 means that the share price of Affirm Holdings is on the high side compared with its peers regarding revenues, profits, and invested capital. The stock price is higher than for 99% of alternative stocks in the same industry. The consolidated Safety Rank has a riskier rank of 32, which means that the company has a riskier financing structure than 68% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. The consolidated Sentiment Rank also has a low rank of 25, indicating professional investors are more pessimistic about the stock than for 75% of alternative investment opportunities. ...read more

more
Index
NASDAQ
The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 21-Aug-2025.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Growth
Shows a company's growth potential.
High Growth Tough Times
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
Good Watch Out

Detailed and Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

Unlock Ranks

Unlock all 15 detailed ranks and historical data for 6,500+ stocks.

Subscribe to Unlock
Metrics Current 2024 2023 2022
Value
1 3 8 9
Growth
99 97 81 15
Safety
Safety
32 32 32 32
Sentiment
25 51 22 13
360° View
360° View
10 10 10 1
Unlock Similar Stocks

Unlock all 15 detailed ranks and historical data for 6,500+ stocks.

Subscribe to Unlock
Metrics Current 2024 2023 2022
Analyst Opinions
55 48 7 31
Opinions Change
50 92 50 50
Pro Holdings
n/a 10 32 49
Market Pulse
48 54 54 22
Sentiment
25 51 22 13
Unlock Similar Stocks

Unlock all 15 detailed ranks and historical data for 6,500+ stocks.

Subscribe to Unlock
Metrics Current 2024 2023 2022
Value
1 3 8 9
Growth
99 97 81 15
Safety Safety
32 32 32 32
Combined
14 14 14 14
Unlock Similar Stocks

Unlock all 15 detailed ranks and historical data for 6,500+ stocks.

Subscribe to Unlock
Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
3 1 23 4
Price vs. Earnings (P/E)
7 8 9 7
Price vs. Book (P/B)
10 17 21 22
Dividend Yield
1 1 1 1
Value
1 3 8 9
Unlock Similar Stocks

Unlock all 15 detailed ranks and historical data for 6,500+ stocks.

Subscribe to Unlock
Metrics Current 2024 2023 2022
Revenue Growth
94 97 88 96
Profit Growth
88 90 75 1
Capital Growth
100 64 18 54
Stock Returns
99 95 100 17
Growth
99 97 81 15
Unlock Similar Stocks

Unlock all 15 detailed ranks and historical data for 6,500+ stocks.

Subscribe to Unlock
Metrics Current 2024 2023 2022
Leverage
42 40 38 59
Refinancing
95 95 95 95
Liquidity
14 15 7 15
Safety Safety
32 32 32 32

Similar Stocks

Discover high‑ranked alternatives to Affirm Holdings and broaden your portfolio horizons.

Micron

NasdaqGS:MU
Country: USA
Industry: Semiconductors
Size: X-Large
Full Stock Analysis

Meta

NasdaqGS:FB
Country: USA
Industry: Interactive Media & Services
Size: XX-Large
Full Stock Analysis

Alphabet

NasdaqGS:GOOG.L
Country: USA
Industry: Interactive Media & Services
Size: XX-Large
Full Stock Analysis

Lithia Motors

NYSE:LAD
Country: USA
Industry: Automotive Retail
Size: X-Large
Full Stock Analysis

The Obermatt Advantage

Ready to Elevate Your Investing?
Get Started Today

Choose the Obermatt subscription that best fits your needs.