AFRM
Affirm Holdings·NASDAQ
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7.49 / 10
Outperform
Analysis concludes favorable fundamental quality (7.5/10). Favorable components: Days sales outstanding and Cash-MV, offset by weaknesses in Asset-MV and Revenue-MV. Investment recommendation: encouraging.
Analysis Checks(7/10)
Revenue-MV
Value-0.98
Score0/3
Weight-1.76%
1M Return-3.44%
Value-0.98
Score0/3
Weight-1.76%
1M Return-3.44%
Profit-MV
Value-1.65
Score3/3
Weight45.02%
1M Return74.59%
Value-1.65
Score3/3
Weight45.02%
1M Return74.59%
PB-ROE
Value1.19
Score3/3
Weight23.26%
1M Return44.13%
Value1.19
Score3/3
Weight23.26%
1M Return44.13%
Net profit margin (%)
Value1.62
Score3/3
Weight10.00%
1M Return18.84%
Value1.62
Score3/3
Weight10.00%
1M Return18.84%
Asset-MV
Value-0.59
Score1/3
Weight6.69%
1M Return12.76%
Value-0.59
Score1/3
Weight6.69%
1M Return12.76%
Days sales outstanding
Value43.50
Score2/3
Weight0.81%
1M Return1.29%
Value43.50
Score2/3
Weight0.81%
1M Return1.29%
Net income-Revenue
Value-3.54
Score3/3
Weight11.81%
1M Return22.66%
Value-3.54
Score3/3
Weight11.81%
1M Return22.66%
Net cash flow from operating activities (YoY growth rate %)
Value76.37
Score2/3
Weight1.27%
1M Return2.12%
Value76.37
Score2/3
Weight1.27%
1M Return2.12%
Income tax / Total profit (%)
Value15.10
Score0/3
Weight-1.33%
1M Return-2.64%
Value15.10
Score0/3
Weight-1.33%
1M Return-2.64%
Cash-MV
Value-0.79
Score2/3
Weight4.24%
1M Return6.45%
Value-0.79
Score2/3
Weight4.24%
1M Return6.45%
Revenue-MV
Value-0.98
Score0/3
Weight-1.76%
1M Return-3.44%
Value-0.98
Score0/3
Weight-1.76%
1M Return-3.44%
Days sales outstanding
Value43.50
Score2/3
Weight0.81%
1M Return1.29%
Value43.50
Score2/3
Weight0.81%
1M Return1.29%
Profit-MV
Value-1.65
Score3/3
Weight45.02%
1M Return74.59%
Value-1.65
Score3/3
Weight45.02%
1M Return74.59%
Net income-Revenue
Value-3.54
Score3/3
Weight11.81%
1M Return22.66%
Value-3.54
Score3/3
Weight11.81%
1M Return22.66%
PB-ROE
Value1.19
Score3/3
Weight23.26%
1M Return44.13%
Value1.19
Score3/3
Weight23.26%
1M Return44.13%
Net cash flow from operating activities (YoY growth rate %)
Value76.37
Score2/3
Weight1.27%
1M Return2.12%
Value76.37
Score2/3
Weight1.27%
1M Return2.12%
Net profit margin (%)
Value1.62
Score3/3
Weight10.00%
1M Return18.84%
Value1.62
Score3/3
Weight10.00%
1M Return18.84%
Income tax / Total profit (%)
Value15.10
Score0/3
Weight-1.33%
1M Return-2.64%
Value15.10
Score0/3
Weight-1.33%
1M Return-2.64%
Asset-MV
Value-0.59
Score1/3
Weight6.69%
1M Return12.76%
Value-0.59
Score1/3
Weight6.69%
1M Return12.76%
Cash-MV
Value-0.79
Score2/3
Weight4.24%
1M Return6.45%
Value-0.79
Score2/3
Weight4.24%
1M Return6.45%
Is AFRM undervalued or overvalued?
- AFRM scores 7.49/10 on fundamentals and holds a Discounted valuation at present. Backed by its 6.36% ROE, 7.60% net margin, 67.29 P/E ratio, 5.36 P/B ratio, and 237.10% earnings growth, these metrics solidify its Outperform investment rating.
