Affirm Stock Analysis

AFRM -  USA Stock  

USD 58.19  4.61  7.34%

The big decline in price over the last few months for Affirm Holdings could raise concerns from stakeholders as the firm it trading at a share price of 58.19 on 9,766,758 in volume. The company directors and management failed to add value to investors and positioning the firm supply of money to exploit market volatility in December. However, diversifying your holdings with Affirm Holdings or any similar stocks can still protect your portfolios during high-volatility market scenarios. The stock standard deviation of daily returns for 90 days investing horizon is currently 5.26. The very high volatility is mostly attributed to the latest market swings and not very good earnings reports from some of the Affirm Holdings partners.
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Affirm Stock Analysis 

 
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The Affirm Holdings stock analysis report makes it easy to digest most publicly released information about Affirm Holdings and get updates on important government artifacts, including earning estimates, SEC corporate filings, and announcements. Affirm Stock analysis module also helps to analyze the Affirm Holdings price relationship with some important fundamental indicators such as market cap and management efficiency.

Affirm Stock Analysis Notes

About 67.0% of the company shares are held by institutions such as insurance companies. The company has Price/Earnings To Growth (PEG) ratio of 1.18. Affirm Holdings recorded a loss per share of 3.63. The entity had not issued any dividends in recent years. Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company was founded in 2012 and is headquartered in San Francisco, California. Affirm Holdings operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 1876 people. For more info on Affirm Holdings please contact the company at 415 984 0490 or go to https://www.affirm.com.

Affirm Holdings Quarterly Cost of Revenue

157.28 MillionShare

Affirm Holdings Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Affirm Holdings' investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Affirm Holdings or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Affirm Holdings generated a negative expected return over the last 90 days
Affirm Holdings has high historical volatility and very poor performance
The company reported the previous year's revenue of 965.87 M. Net Loss for the year was (733.59 M) with profit before overhead, payroll, taxes, and interest of 431.42 M.
Affirm Holdings has a poor financial position based on the latest SEC disclosures
About 67.0% of the company shares are held by institutions such as insurance companies
Latest headline from simplywall.st: Institutional investors may adopt severe steps after Affirm Holdings, Inc.s latest 18 percent drop adds to a year losses - Simply Wall St

Affirm Holdings Upcoming and Recent Events

Earnings reports are used by Affirm Holdings to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Affirm Holdings previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
Upcoming Quarterly Report10th of February 2022
Next Earnings Report9th of May 2022
Next Fiscal Quarter End31st of December 2021
Next Fiscal Year End8th of September 2022
Last Quarter Report30th of September 2021
Last Earning Announcement31st of December 2020

Affirm Largest EPS Surprises

Earnings surprises can significantly impact Affirm Holdings' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2021-09-09
2021-06-30-0.2367-0.4666-0.229997 
2021-02-11
2020-12-31-0.7629-0.40370.359247 
2021-05-10
2021-03-31-0.27-1.0038-0.7338271 
View All Earnings Estimates

Affirm Holdings SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Affirm Holdings prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Affirm Holdings investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Affirm Holdings specific information freely available to individual and institutional investors to make a timely investment decision.
13th of December 2021
Termination of a Material Definitive Agreement
View
7th of December 2021
Submission of Matters to a Vote of Security Holders
View
23rd of November 2021
Financial Statements and Exhibits. Unregistered Sales of Equity Securities. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Entry into a Material Definitive Agreement
View
19th of November 2021
Financial Statements and Exhibits. Other Events
View
18th of November 2021
Financial Statements and Exhibits. Other Events
View
10th of November 2021
Financial Statements and Exhibits. Unregistered Sales of Equity Securities. Results of Operations and Financial Condition. Entry into a Material Definitive Agreement
View
20th of October 2021
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
View
9th of September 2021
Financial Statements and Exhibits. Results of Operations and Financial Condition
View

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 originate 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.
Security TypeSharesValue
Spire Wealth ManagementCommon Shares3.8 K379 K
Harbour Capital Advisors LlcCommon Shares2.4 K239 K
Harbor Investment Advisory LlcCommon Shares80080 K
Koshinski Asset Management IncCommon Shares47647.9 K
Centerpoint Advisors LlcCommon Shares100.010 K
Exchange Traded Concepts LlcCommon Shares69.0K
Fourthought Financial LlcCommon Shares50.0K
Xr Securities LlcPut Options18.1 K0.0
Xr Securities LlcCall Options12.3 K0.0
Note, although Affirm Holdings' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Affirm Market Capitalization

The company currently falls under 'Large-Cap' category with current market capitalization of 18.03 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Affirm Holdings's market, we take the total number of its shares issued and multiply it by Affirm Holdings's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities.

Affirm Profitablity

Affirm Holdings' profitability indicators refer to fundamental financial ratios that showcase Affirm Holdings' ability to generate income relative to its revenue or operating costs. If, let's say, Affirm Holdings is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Affirm Holdings' executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Affirm Holdings' profitability requires more research than a typical breakdown of Affirm Holdings' financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of (75.95) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (51.8) %, which suggests for every $100 dollars of sales, it generated a net operating loss of -0.52.
Last ReportedProjected for 2022
Return on Average Assets(0.11) (0.12) 
Return on Average Equity(0.36) (0.37) 
Return on Invested Capital(0.1) (0.11) 
Return on Sales(0.45) (0.48) 

Management Efficiency

The entity has return on total asset (ROA) of (8.17) % which means that it has lost $8.17 on every $100 spent on asset. This is way below average. Similarly, it shows return on stockholders equity (ROE) of (43.71) %, meaning that it created substantial loss on money invested by shareholders. Affirm Holdings management efficiency ratios could be used to measure how well affirm holdings manages its routine affairs as well as how well it operates its assets and liabilities. The value of Return on Average Assets is estimated to pull down to -0.12. The value of Return on Average Equity is estimated to pull down to -0.37. Affirm Holdings Total Assets are relatively stable at the moment as compared to the past year. The company's current value of Total Assets is estimated at 6.04 Billion. Goodwill and Intangible Assets is expected to hike to about 725.2 M this year, although the value of Average Assets will most likely fall to nearly 3.6 B.
Last ReportedProjected for 2022
Book Value per Share 18.70  20.18 
Enterprise Value over EBIT(37.80) (40.78) 
Enterprise Value over EBITDA(39.38) (42.49) 
Price to Book Value 6.24  6.20 
Tangible Assets Book Value per Share 31.10  31.91 
Enterprise Value16.3 B16.2 B
Tangible Asset Value4.9 B3.9 B

Technical Drivers

As of the 21st of January, Affirm Holdings shows the mean deviation of 4.05, and Risk Adjusted Performance of (0.19). Affirm Holdings technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to interpolate data for nineteen technical drivers for Affirm Holdings, which can be compared to its rivals. Please confirm Affirm Holdings standard deviation, as well as the relationship between the maximum drawdown and expected short fall to decide if Affirm Holdings is priced correctly, providing market reflects its regular price of 58.19 per share. Given that Affirm Holdings has jensen alpha of (1.20), we suggest you to validate Affirm Holdings's prevailing market performance to make sure the company can sustain itself at a future point.

Affirm Holdings Price Movement Analysis

Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Triple Exponential Moving Average (T3) indicator is developed by Tim Tillson as Affirm Holdings price series composite of a single exponential moving average, a double exponential moving average and a triple exponential moving average. View also all equity analysis or get more info about triple exponential moving average t3 overlap studies indicator.

Affirm Holdings Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Affirm Holdings insiders, such as employees or executives, is commonly permitted as long as it does not rely on Affirm Holdings' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Affirm Holdings insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Linford Michael 3 days ago via Macroaxis 
Exercise or conversion by Linford Michael of 43392 shares of Affirm Holdings subject to Rule 16b-3
Reses Jacqueline D over a month ago via Macroaxis 
Acquisition by Reses Jacqueline D of 1864 shares of Affirm Holdings subject to Rule 16b-3
Adkins Katherine over a month ago via Macroaxis 
Exercise or conversion by Adkins Katherine of 2325 shares of Affirm Holdings subject to Rule 16b-3
Rabois Keith over a month ago via Macroaxis 
Sale by Rabois Keith of 2633 shares of Affirm Holdings
Martincevic Silvija over two months ago via Macroaxis 
Exercise or conversion by Martincevic Silvija of 150000 shares of Affirm Holdings subject to Rule 16b-3
Rabois Keith over two months ago via Macroaxis 
Sale by Rabois Keith of 1829 shares of Affirm Holdings
Adkins Katherine over three months ago via Macroaxis 
Exercise or conversion by Adkins Katherine of 166 shares of Affirm Holdings subject to Rule 16b-3
Adkins Katherine over three months ago via Macroaxis 
Payment of 1129 shares by Adkins Katherine of Affirm Holdings subject to Rule 16b-3
Adkins Katherine over three months ago via Macroaxis 
Exercise or conversion by Adkins Katherine of 166 shares of Affirm Holdings subject to Rule 16b-3
Martincevic Silvija over three months ago via Macroaxis 
Payment of 1653 shares by Martincevic Silvija of Affirm Holdings subject to Rule 16b-3
Michalek Libor over three months ago via Macroaxis 
Exercise or conversion by Michalek Libor of 76923 shares of Affirm Holdings subject to Rule 16b-3
Caro Del Castillo Sharda over six months ago via Macroaxis 
Exercise or conversion by Caro Del Castillo Sharda of 20000 shares of Affirm Holdings subject to Rule 16b-3

Affirm Holdings Predictive Daily Indicators

Affirm Holdings intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Affirm Holdings stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Affirm Holdings Forecast Models

Affirm Holdings time-series forecasting models is one of many Affirm Holdings' stock analysis techniquest aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Affirm Holdings' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the stock market movement and maximize returns from investment trading.

About Affirm Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Affirm Holdings stock is reacting to, or reflecting on a current stock market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Affirm shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas, a specific sector, or an individual stock such as Affirm Holdings. By using and applying Affirm Stock analysis, traders can create a robust methodology for identifying Affirm entry and exit points for their positions.
Last ReportedProjected for 2022
EBITDA Margin(0.43) (0.46) 
Gross Margin 0.57  0.49 
Profit Margin(0.57) (0.62) 
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company was founded in 2012 and is headquartered in San Francisco, California. Affirm Holdings operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 1876 people.

Current Affirm Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Affirm analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Affirm analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
162.27Buy11Odds
Affirm Holdings current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Affirm analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Affirm stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Affirm Holdings, talking to its executives and customers, or listening to Affirm conference calls.
Affirm Analyst Advice Details

Affirm Stock Analysis Indicators

Affirm Holdings stock analysis indicators help investors evaluate how Affirm Holdings stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Affirm Holdings shares will generate the highest return on investment. By understating and applying Affirm Holdings stock analysis, traders can identify Affirm Holdings position entry and exit signals to maximize returns.
Quick Ratio3.18
Fifty Two Week Low46.50
Revenue Growth54.80%
Shares Short Prior Month9.34M
Average Daily Volume Last 10 Day10.34M
Average Daily Volume In Three Month9.98M
Shares Percent Shares Out3.67%
Gross Margins50.55%
Short Percent Of Float5.34%
Forward Price Earnings-53.48
Float Shares179.2M
Fifty Two Week High176.65
Enterprise Value To Ebitda-62.00
Fifty Day Average115.31
Two Hundred Day Average91.59
Enterprise Value To Revenue25.66
Please continue to Trending Equities. Note that the Affirm Holdings information on this page should be used as a complementary analysis to other Affirm Holdings' statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Price Transformation module to use Price Transformation models to analyze depth of different equity instruments across global markets.

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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 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.
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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.
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 Affirm Holdings value 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.