Affirm Holdings, Inc. (AFRM)
ValueMarkers Composite Index
DCF data not available
Affirm Holdings, Inc. (AFRM) — VMCI valuation read
AFRM prints VMCI 47/100 inside the Technology sector, where the median sits at 50. The 3-point below-median delta is the cleanest single-number summary of Affirm Holdings, Inc.'s composite stance, and in the mid-cap bucket it places the share behind the typical peer on the five-pillar mix.
On AFRM, the SEC EDGAR Form 4 stream shows no insider buys or sells in the past 30 days. Quiet tapes happen; they just remove a signal that bull and bear cases sometimes lean on for confirmation.
**Investor frame.** AFRM trades at 22.0x earnings, 22% above the Technology median of 18.0x; that is the value line. ROIC of 14.0% sits 4.0pp above the Technology median (10.0%); that is the quality line. net debt to EBITDA of 1.5x leaves covenant headroom; that is the risk line for Affirm Holdings, Inc. on the trailing financials.
AFRM fell 2.7% over the trailing 7 days, with a -13.8% read on a 30-day basis.
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.
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Key metrics explained
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