Affirm Holdings, Inc. (AFRM) Stock Score, Valuation & Financial Research
Affirm Holdings, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 62/100.
Quick answer for AFRM
Affirm Holdings, Inc. currently has a Wall Street Score of 62/100. The stored market price is $71.44. Its financial score is 23/100. Its valuation score is 97/100. The latest WSS change is +2.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What Affirm Holdings, Inc. does
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Aff
AFRM financial snapshot
- Wall Street Score:
- 62/100
- Current price:
- $71.44
- Market capitalization:
- $23.93B
- Revenue:
- $4.18B
- Net income:
- $1.93B
- Free cash flow:
- $992.6M
- Cash:
- $2.43B
- Total debt:
- $9.82B
- EPS:
- 5.71
- P/E ratio:
- 12.5x
- Financial score:
- 23/100
- Valuation score:
- 97/100
- Revenue score:
- 54/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $992.6M, showing positive cash generation.
- The balance sheet shows $2.43B of cash versus $9.82B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +2.2 points: AFRM increased 2.2 points because Capital improved by 2 points, Valuation improved by 14.6 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 23/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research AFRM
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.