Affirm Holdings Stock Buy Hold or Sell Recommendation
| AFRM Stock | USD 32.08 0.68 2.08% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Affirm Holdings is 'Cautious Hold'. Macroaxis provides Affirm Holdings buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding AFRM positions. The advice algorithm takes into account all of Affirm Holdings' available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Affirm Holdings' buy or sell advice are summarized below:
Real Value 22.53 | Target Price 14.71 | Hype Value 32.33 | Market Value 32.08 | Naive Value 34.1 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Affirm Holdings given historical horizon and risk tolerance towards Affirm Holdings. When Macroaxis issues a 'buy' or 'sell' recommendation for Affirm Holdings, the advice is generated through an automated system that utilizes algorithms and statistical models.
Affirm |
Execute Affirm Holdings Buy or Sell Advice
The Affirm recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Affirm Holdings. Macroaxis does not own or have any residual interests in Affirm Holdings or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Affirm Holdings' advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | Very Weak | Details | |
Volatility | Somewhat reliable | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Quite High | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Affirm Holdings Trading Alerts and Improvement Suggestions
| Affirm Holdings generated a negative expected return over the last 90 days | |
| Affirm Holdings has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the previous year's revenue of 1.59 B. Net Loss for the year was (985.35 M) with profit before overhead, payroll, taxes, and interest of 1.01 B. | |
| Over 84.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from investors.com: Down On Its Luck Affirm Stock Gets Bearish Customer News |
Affirm Holdings Returns Distribution Density
The distribution of Affirm Holdings' historical returns is an attempt to chart the uncertainty of Affirm Holdings' future price movements. The chart of the probability distribution of Affirm Holdings daily returns describes the distribution of returns around its average expected value. We use Affirm Holdings price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Affirm Holdings returns is essential to provide solid investment advice for Affirm Holdings.
| Mean Return | -0.56 | Value At Risk | -5.09 | Potential Upside | 3.69 | Standard Deviation | 2.99 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Affirm Holdings historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Affirm Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Affirm Holdings is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Affirm Holdings backward and forwards among themselves. Affirm Holdings' institutional investor refers to the entity that pools money to purchase Affirm Holdings' securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Dimensional Fund Advisors, Inc. | 2023-12-31 | 2.6 M | Abdiel Capital Advisors Llc | 2023-09-30 | 2.3 M | Holocene Advisors, Lp | 2023-09-30 | 2 M | Jane Street Group, Llc | 2023-12-31 | 1.7 M | Founders Fund Growth Management, Llc | 2023-12-31 | 1.6 M | Citadel Advisors Llc | 2023-09-30 | 1.6 M | Marshall Wace Asset Management Ltd | 2023-12-31 | 1.5 M | Charles Schwab Investment Management Inc | 2023-12-31 | 1.4 M | Norges Bank | 2023-12-31 | 1.4 M | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 28.4 M | Capital Research Global Investors | 2023-12-31 | 20.3 M |
Affirm Holdings Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Investments | (253.1M) | (1.0B) | (2.0B) | (1.5B) | (1.4B) | (1.4B) | |
| Change In Cash | (29.6M) | 1.4B | (141.8M) | (290.9M) | (261.8M) | (248.7M) | |
| Net Borrowings | 325.7M | 962.7M | 2.1B | 1.4B | 1.6B | 1.1B | |
| Free Cash Flow | (92.3M) | (213.4M) | (225.5M) | (108.6M) | (97.7M) | (102.6M) | |
| Depreciation | 9.4M | 20.0M | 52.7M | 134.6M | 154.8M | 162.6M | |
| Other Non Cash Items | (29.1M) | (93.9M) | 159.6M | (83.0M) | (74.7M) | (70.9M) | |
| Capital Expenditures | 21.0M | 20.3M | 111.7M | 120.8M | 138.9M | 145.8M | |
| Net Income | (112.6M) | (430.9M) | (707.4M) | (985.3M) | (886.8M) | (842.5M) | |
| End Period Cash Flow | 328.1M | 1.7B | 1.6B | 1.3B | 1.4B | 1.1B | |
| Change To Netincome | (1.4M) | 196.0M | 406.0M | 329.8M | 379.3M | 214.9M |
Affirm Holdings Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Affirm Holdings or IT Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Affirm Holdings' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Affirm stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.31 | |
β | Beta against NYSE Composite | 2.93 | |
σ | Overall volatility | 2.94 | |
Ir | Information ratio | -0.16 |
Affirm Holdings Volatility Alert
Affirm Holdings exhibits very low volatility with skewness of -0.38 and kurtosis of -0.75. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Affirm Holdings' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Affirm Holdings' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Affirm Holdings Implied Volatility
Affirm Holdings' implied volatility exposes the market's sentiment of Affirm Holdings stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Affirm Holdings' implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Affirm Holdings stock will not fluctuate a lot when Affirm Holdings' options are near their expiration.
Affirm Holdings Fundamentals Vs Peers
Comparing Affirm Holdings' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Affirm Holdings' direct or indirect competition across all of the common fundamentals between Affirm Holdings and the related equities. This way, we can detect undervalued stocks with similar characteristics as Affirm Holdings or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Affirm Holdings' fundamental indicators could also be used in its relative valuation, which is a method of valuing Affirm Holdings by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Affirm Holdings to competition |
| Fundamentals | Affirm Holdings | Peer Average |
| Return On Equity | -0.29 | -0.31 |
| Return On Asset | -0.0662 | -0.14 |
| Profit Margin | (0.39) % | (1.27) % |
| Operating Margin | (0.29) % | (5.51) % |
| Current Valuation | 14.37 B | 16.62 B |
| Shares Outstanding | 259.56 M | 571.82 M |
| Shares Owned By Insiders | 4.91 % | 10.09 % |
| Shares Owned By Institutions | 84.25 % | 39.21 % |
| Number Of Shares Shorted | 29.25 M | 4.71 M |
| Price To Book | 3.80 X | 9.51 X |
| Price To Sales | 5.23 X | 11.42 X |
| Revenue | 1.59 B | 9.43 B |
| Gross Profit | 1.01 B | 27.38 B |
| EBITDA | (635.73 M) | 3.9 B |
| Net Income | (985.35 M) | 570.98 M |
| Cash And Equivalents | 1.56 B | 2.7 B |
| Cash Per Share | 5.38 X | 5.01 X |
| Total Debt | 5.45 B | 5.32 B |
| Debt To Equity | 1.58 % | 48.70 % |
| Current Ratio | 19.48 X | 2.16 X |
| Book Value Per Share | 8.62 X | 1.93 K |
| Cash Flow From Operations | 12.18 M | 971.22 M |
| Short Ratio | 5.47 X | 4.00 X |
| Earnings Per Share | (2.49) X | 3.12 X |
| Price To Earnings To Growth | 0.17 X | 4.89 X |
| Target Price | 37.05 | |
| Number Of Employees | 2.17 K | 18.84 K |
| Beta | 3.58 | -0.15 |
| Market Capitalization | 9.53 B | 19.03 B |
| Total Asset | 8.16 B | 29.47 B |
| Retained Earnings | (2.59 B) | 9.33 B |
| Working Capital | 6.72 B | 1.48 B |
| Net Asset | 8.16 B |
Note: Disposition of 2336 shares by Michael Linford of Affirm Holdings subject to Rule 16b-3 [view details]
Affirm Holdings Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Affirm . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Affirm Holdings Buy or Sell Advice
When is the right time to buy or sell Affirm Holdings? Buying financial instruments such as Affirm Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 4.1B | 5.5B | 6.3B | 6.6B | Total Assets | 7.0B | 8.2B | 9.4B | 5.0B |
Use Investing Ideas to Build Portfolios
In addition to having Affirm Holdings in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Alternative Energy Thematic Idea Now
Alternative Energy
Large and mid-size companies, ETFs and funds that are either investing or directly involved in providing energy derived from sources not connected to fossil fuels, do not consume natural resources, and do not harm the environment. This includes wind power, nuclear and solar energy, biofuel, ethanol, hydrogen and others alternative sources of energy. The Alternative Energy theme has 42 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Alternative Energy Theme or any other thematic opportunities.
| View All Next | Launch |
Check out Affirm Holdings Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in Affirm Stock, please use our How to Invest in Affirm Holdings guide.You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Complementary Tools for Affirm Stock analysis
When running Affirm Holdings' price analysis, check to measure Affirm Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Affirm Holdings is operating at the current time. Most of Affirm Holdings' value examination focuses on studying past and present price action to predict the probability of Affirm Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Affirm Holdings' price. Additionally, you may evaluate how the addition of Affirm Holdings to your portfolios can decrease your overall portfolio volatility.
| Transaction History View history of all your transactions and understand their impact on performance | |
| Aroon Oscillator Analyze current equity momentum using Aroon Oscillator and other momentum ratios | |
| Money Managers Screen money managers from public funds and ETFs managed around the world | |
| Equity Valuation Check real value of public entities based on technical and fundamental data | |
| Portfolio Manager State of the art Portfolio Manager to monitor and improve performance of your invested capital | |
| Sectors List of equity sectors categorizing publicly traded companies based on their primary business activities | |
| Crypto Correlations Use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins | |
| Portfolio Rebalancing Analyze risk-adjusted returns against different time horizons to find asset-allocation targets |
Is Affirm Holdings' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Affirm Holdings. If investors know Affirm will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Affirm Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share (2.49) | Revenue Per Share 6.338 | Quarterly Revenue Growth 0.479 | Return On Assets (0.07) | Return On Equity (0.29) |
The market value of Affirm Holdings is measured differently than its book value, which is the value of Affirm that is recorded on the company's balance sheet. Investors also form their own opinion of Affirm Holdings' value that differs from its market value or its book value, called intrinsic value, which is Affirm Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Affirm Holdings' market value can be influenced by many factors that don't directly affect Affirm Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Affirm Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if Affirm Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Affirm Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.