US · AFRM
Affirm Holdings, Inc.
- Sector
- Technology · Software - Infrastructure
- Headquarters
- San Francisco, CA 94108
- Website
- affirm.com
Price · as of 2025-06-30
$67.54
Market cap 15.65B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $76.62 | +13.44% |
| Intrinsic Value(DCF) | $50.08 | -25.85% |
| Graham-Dodd Method(GD) | $8.66 | -87.18% |
| Graham Formula(GF) | $7.31 | -89.17% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $0.00 | $0.00 | |||
| 2021 | $123.70 | $78.62 | $2.51 | $0.00 | $0.00 |
| 2022 | $26.25 | $35.54 | $7.45 | $0.00 | $0.00 |
| 2023 | $22.47 | $29.77 | $0.29 | $0.00 | $0.00 |
| 2024 | $38.44 | $50.92 | $4.38 | $0.00 | $0.00 |
| 2025 | $87.35 | $76.62 | $30.31 | $8.66 | $7.31 |
AI valuation
Our deep-learning model estimates Affirm Holdings, Inc.'s (AFRM) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $76.62
- Current price
- $67.54
- AI upside
- +13.44%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$50.08
-25.85% upside
Graham-Dodd
$8.66
-87.18% upside
Graham Formula
$7.31
-89.17% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AFRM | Affirm Holdings, Inc. | $67.54 | 15.65B | +13% | -26% | -87% | -89% | 540.40 | 9.19 | 8.75 | 47.51 | — | 11.18 | 67.51% | -2.71% | 1.62% | 1.80% | -0.93% | 0.50% | 2.56 | -0.21 | 54.19 | 51.55 | 9.13 | -10898.00% | 3880.00% | 10689.00% | 2.13% | 4.41 | 7.57% | 0.00% | 0.00% | 0.89% | -387.62 | 56.22 | 10.49 | 3.00 |
| CHKP | Check Point Software Tech… | $152.07 | 16.33B | +63% | -42% | -50% | -9% | 15.73 | 5.77 | 6.10 | 16.87 | 54.34 | 21.78 | 85.42% | 30.49% | 38.78% | 37.27% | 50.58% | 15.59% | 0.68 | — | 2.05 | 1.95 | 0.19 | 2895.00% | 625.00% | 1745.00% | 7.26% | 0.64 | 73.49% | 0.00% | 0.00% | 8.42% | 18.75 | 12.91 | 5.72 | 5.74 |
| CYBR | CyberArk Software Ltd. | $408.85 | 20.64B | -53% | +98% | -97% | — | -158.58 | 6.25 | 14.81 | 489.26 | -487.93 | 28.63 | 79.18% | -7.28% | -9.34% | -5.91% | -7.35% | -3.48% | 0.01 | -17.90 | 1.48 | 1.42 | -17.34 | 3250.00% | 3310.00% | 33083.00% | 1.49% | 0.29 | 22.29% | 0.00% | 0.00% | 5.02% | -192.71 | 63.54 | 14.02 | 9.40 |
| FIG | Figma, Inc. | $29.39 | 14.33B | +38% | -7% | — | — | -11.97 | 9.91 | 14.18 | -10.53 | — | 10.77 | 82.43% | -122.23% | -118.44% | -88.23% | 1897.79% | -60.39% | 0.08 | — | 2.58 | 2.45 | 0.23 | -2122.00% | 4096.00% | -45615.00% | 1.65% | 0.32 | -362.12% | 0.00% | 0.00% | 0.00% | -10.40 | 54.53 | 12.72 | 9.13 |
| GRAB | Grab Holdings Limited | $4.22 | 16.75B | +664% | -32% | -53% | -57% | 63.83 | 2.54 | 5.08 | 32.60 | — | 3.02 | 43.20% | 5.99% | 7.95% | 4.08% | 9.66% | 2.52% | 0.31 | 2.85 | 1.75 | 1.69 | -3.64 | -34221.00% | 2049.00% | -8271.00% | 0.78% | 0.05 | 8.61% | 0.00% | 0.00% | 1.60% | 61.16 | 92.20 | 3.67 | 0.61 |
| IOT | Samsara Inc. | $28.90 | 16.47B | +99% | +261% | -98% | — | -135.72 | 19.66 | 16.83 | -124.11 | — | 20.12 | 76.12% | -15.21% | -12.40% | -15.61% | -41.22% | -8.24% | 0.08 | — | 1.50 | 1.22 | 0.90 | -4815.00% | 3326.00% | -58964.00% | 0.53% | 0.17 | 24.19% | 0.00% | 0.00% | 0.53% | -107.43 | 183.07 | 16.34 | 12.63 |
| NTNX | Nutanix, Inc. | $38.28 | 10.35B | +143% | +28% | -99% | -53% | 97.04 | -26.32 | 7.20 | 60.70 | — | -20.72 | 86.81% | 6.80% | 7.42% | -26.48% | -13.76% | 6.94% | -2.14 | 8.75 | 1.72 | 1.66 | 2.44 | -22745.00% | 1811.00% | 2551.00% | 4.10% | 0.58 | -67.23% | 0.00% | 0.00% | 1.68% | 102.99 | 23.69 | 7.00 | 1.99 |
| PTC | PTC Inc. | $156.59 | 18.63B | -2% | -39% | -79% | +3% | 28.37 | 5.44 | 7.60 | 19.43 | 29.90 | -42.35 | 83.76% | 35.86% | 26.80% | 20.85% | 15.85% | 11.29% | 0.36 | 12.76 | 1.12 | 0.96 | 1.05 | 9487.00% | 1918.00% | 1710.00% | 4.11% | 0.70 | 17.32% | 0.00% | 0.00% | 3.74% | 22.40 | 25.69 | 8.03 | 5.85 |
| TOST | Toast, Inc. | $27.31 | 16.09B | +80% | +370% | -77% | -33% | 46.92 | 7.55 | 2.61 | 37.89 | 2.86 | 8.03 | 25.76% | 4.96% | 5.56% | 18.64% | 179.98% | 12.20% | 0.02 | — | 2.75 | 2.19 | -3.53 | 163913.00% | 2405.00% | 9869.00% | 3.79% | 0.68 | 362.99% | 0.00% | 0.00% | 3.43% | 46.21 | 23.18 | 2.29 | 11.79 |
| TTD | The Trade Desk, Inc. | $23.82 | 11.65B | +97% | +62% | -59% | -0% | 26.33 | 4.70 | 4.03 | 14.79 | 158.00 | 4.70 | 78.63% | 20.35% | 15.31% | 16.32% | 22.02% | 7.23% | 0.18 | — | 1.61 | 1.36 | -0.29 | 1667.00% | 1847.00% | 2583.00% | 6.82% | 0.30 | 44.18% | 0.00% | 0.00% | 11.83% | 19.43 | 14.39 | 3.95 | 2.95 |
| VRSN | VeriSign, Inc. | $227.94 | 21.13B | -26% | -60% | — | -44% | 25.52 | -9.78 | 12.72 | 19.03 | 252.05 | -8.96 | 88.15% | 67.67% | 49.84% | -40.16% | -102.34% | 60.44% | -0.83 | 14.56 | 0.49 | 0.45 | 1.27 | 1013.00% | 637.00% | 2216.00% | 5.07% | 0.82 | -126.20% | 1.02% | 26.10% | 5.76% | 19.88 | 20.86 | 13.45 | -5.38 |
About Affirm Holdings, Inc.
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.
- CEO
- Max Roth Levchin
- Employees
- 2.01K
- Beta
- 3.58
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($50.08 ÷ $67.54) − 1 = -25.85% (DCF, example).