Affirm Holdings, Inc. (AFRM) Stock Analysis
Last updated Oct 27, 2026
Health Check
Last analyzed Oct 23, 2026
- Financial Health 50
- Profitability 95
- Business Quality 60
- Balance Sheet 30
- Cash Flow 70
Why this rating?
Health 65/100 — Good Quality
Worth tracking, but timing is mixed — not a clear setup yet.
Company overview
Affirm Holdings, Inc. (AFRM) is a Credit Services company in the Financial Services sector. Compound Radar rates Affirm Holdings, Inc. 65/100 (Good Quality) due to solid business quality, strong revenue growth, and elevated leverage.
Investment profile
- Quality Moderate
- Growth Strong
- Balance Sheet Stretched
- Valuation Attractive
Financial highlights
Valuation
- P/E 13.14
- Forward P/E 14.49
- EV/Revenue 7.46
Profitability
- Revenue Growth 33.0%
- Gross Margin 48.9%
- Operating Margin 12.6%
- Net Margin 45.3%
- ROE 45.1%
Financial strength
- Cash $1.70B
- Debt $10.02B
- Net Cash $-8.32B
- Free Cash Flow $992.63M
- Current Ratio 11.98
Similar companies
Peers in Credit Services, ranked by Financial Health.
Latest quoted price for the name. Helps anchor the setup in today’s market level.
Health Entry- Sezzle Inc. Credit Services SEZL$127.36 80 Health 80 / 100
Strong business quality across profitability, growth, balance sheet, and cash flow.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
- PayPal Holdings, Inc. Credit Services PYPL$56.09 69 Health 69 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- American Express Company Credit Services AXP$312.91 68 Health 68 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Visa Inc. Credit Services V$401.86 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Mastercard Incorporated Credit Services MA$609.85 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
- Upstart Holdings, Inc. Credit Services UPST$23.71 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- EZCORP, Inc. Credit Services EZPW$29.55 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Capital One Financial Corporation Credit Services COF$203.44 62 Health 62 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
FAQ
How Compound Radar scores and tracks Affirm Holdings, Inc. (AFRM).