---
title: "Affirm Holdings, Inc. (AFRM.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/AFRM.US.md"
symbol: "AFRM.US"
name: "Affirm Holdings, Inc."
industry: "Transaction and Payment Processing Services"
datetime: "2026-05-20T12:31:07.038Z"
locales:
  - [en](https://longbridge.com/en/quote/AFRM.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/AFRM.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/AFRM.US.md)
---

# Affirm Holdings, Inc. (AFRM.US)

## Company Overview

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company’s commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time.

| Item | Detail |
|------|--------|
| Industry | Transaction and Payment Processing Services |
| Exchange | US Market |
| Website | [www.affirm.com](https://www.affirm.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:15.000Z

**Overall: B (0.39)**

**Industry**: Transaction and Payment Processing Services

| Metric | Value |
|--------|-------|
| Industry Ranking | 6 / 52 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Growth - Stocks whose main business is in the growth stage.
- **Scale**: Large - The company has stable operations, allowing for dependable long-term returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 32.07% |  |
| Net Profit YoY | 714.89% |  |
| P/B Ratio | 5.78 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 21868876294.50 |  |
| Revenue | 3971539000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 11.49% | B |
| Profit Margin | 9.63% | B |
| Gross Margin | 47.96% | B |
| Revenue YoY | 32.07% | A |
| Net Profit YoY | 714.89% | A |
| Total Assets YoY | 25.92% | A |
| Net Assets YoY | 31.60% | A |
| Cash Flow Margin | 263.96% | A |
| OCF YoY | 32.07% | A |
| Turnover | 0.34 | D |
| Gearing Ratio | 71.21% | D |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Affirm Holdings, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "32.07%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "714.89%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "5.78",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "21868876294.50",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "3971539000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "11.49%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "9.63%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "47.96%",
          "rating": "B"
        },
        {
          "name": "Revenue YoY",
          "value": "32.07%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "714.89%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "25.92%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "31.60%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "263.96%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "32.07%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.34",
          "rating": "D"
        },
        {
          "name": "Gearing Ratio",
          "value": "71.21%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 57.18 | 30/52 | 455.03 | 97.29 | 58.77 |
| PB | 5.78 | 32/52 | 8.02 | 7.13 | 5.58 |
| PS (TTM) | 5.51 | 37/52 | 7.64 | 6.81 | 5.34 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Remitly Global (RELY.US) | B | A | A | B | A | A |
| 02 | Paymentus (PAY.US) | B | A | A | A | A | A |
| 03 | Visa (V.US) | A | B | C | D | B | B |
| 04 | Mastercard (MA.US) | A | B | B | E | B | B |
| 05 | Adyen N.V. (ADYEY.US) | A | B | D | D | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-19T04:00:00.000Z

Total Analysts: **31**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 19 | 61% |
| Overweight | 4 | 13% |
| Hold | 8 | 26% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 65.30 |
| Highest Target | 100.00 |
| Lowest Target | 53.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/AFRM.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/AFRM.US/norm.md)
- [Related News](https://longbridge.com/en/quote/AFRM.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/AFRM.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**