Affirm Holdings (AFRM) Fundamental Analysis: Revenue, Earnings & Valuation

6.87 / 10

Outperform

Fundamental analysis rates AFRM as Outperform with a 6.9/10 score. Key strengths include high PB‑ROE (group 4), strong profit‑to‑market metrics, robust YoY profit growth (110%) and cash‑flow expansion. Revenue‑MV and Cash‑MV are negative but offset by solid asset and earnings quality.

Analysis Checks(9/10)

Revenue-MV

Value-0.87

Score2/3

Weight2.17%

1M Return3.59%

Days sales outstanding

Value43.50

Score2/3

Weight0.84%

1M Return1.55%

Profit-MV

Value-0.76

Score3/3

Weight46.32%

1M Return84.02%

Net income-Revenue

Value-0.41

Score3/3

Weight10.61%

1M Return26.51%

PB-ROE

Value0.78

Score3/3

Weight20.23%

1M Return51.53%

Net cash flow from operating activities (YoY growth rate %)

Value76.37

Score2/3

Weight1.13%

1M Return2.30%

Operating revenue (YoY growth rate %)

Value38.80

Score1/3

Weight0.51%

1M Return0.97%

Asset-MV

Value-0.55

Score2/3

Weight6.66%

1M Return14.96%

Net profit attributable to parent company shareholders (YoY growth rate %)

Value110.08

Score3/3

Weight7.20%

1M Return13.22%

Cash-MV

Value-1.87

Score2/3

Weight4.34%

1M Return8.02%

Is AFRM undervalued or overvalued?

AFRM scores 6.87/10 on fundamentals and holds a Discounted valuation at present. Backed by its 6.36% ROE, 7.60% net margin, 53.15 P/E ratio, 4.23 P/B ratio, and 237.10% earnings growth, these metrics solidify its Outperform investment rating.