Health score, price, valuation, risk signals, and key metrics at a glance.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including electronics; equipment and auto; fashion and beauty; general merchandise; home and lifestyle services; sporting goods and outdoors; and travel and ticketing. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (11/25).
Today's multiple positioned against its own trailing range — a visual premium/discount check.
Currently below its 5-quarter median.
Currently near its 20-quarter median.
Data-driven signals worth keeping an eye on across the last 8 quarters
The company posted negative operating margins in recent quarters — core operations are unprofitable.
FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.
as of June 2026
Revenue, EBITDA, operating income, net income, EPS, and shares
Gross, EBITDA, operating, and net margin trends
P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield
Total assets, cash, debt, book value, and leverage
Operating cash flow, free cash flow, FCF margin, and earnings quality
Currently near its 20-quarter median.
Shares outstanding increased 6.5% — significant dilution, likely from stock compensation or capital raises.
