Affirm Holdings Stock Analysis
AFRM Stock | USD 27.10 0.64 2.42% |
Affirm Holdings is overvalued with Real Value of 19.46 and Target Price of 14.71. The main objective of Affirm Holdings stock analysis is to determine its intrinsic value, which is an estimate of what Affirm Holdings is worth, separate from its market price. There are two main types of Affirm Holdings' stock analysis: fundamental analysis and technical analysis.
The Affirm Holdings stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Affirm Holdings is usually not traded on Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday. Affirm Stock trading window is adjusted to America/New York timezone.
Affirm |
Affirm Stock Analysis Notes
About 83.0% of the company shares are held by institutions such as insurance companies. The book value of Affirm Holdings was presently reported as 8.5. The company has Price/Earnings To Growth (PEG) ratio of 0.17. Affirm Holdings recorded a loss per share of 2.22. 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, Canada, and internationally. Affirm Holdings, Inc. 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 2552 people. For more info on Affirm Holdings please contact Max Levchin at 415 960 1518 or go to https://www.affirm.com.Affirm Holdings Quarterly Total Revenue |
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Affirm Holdings Investment Alerts
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 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 83.0% of the company shares are held by institutions such as insurance companies | |
Latest headline from investors.com: Does Apple Pay Stand In The Way Of A PayPal Turnaround |
Affirm Holdings Upcoming and Recent Events
8th of February 2024 Upcoming Quarterly Report | View | |
14th of May 2024 Next Financial Report | View | |
31st of December 2023 Next Fiscal Quarter End | View | |
22nd of August 2024 Next Fiscal Year End | View | |
30th of September 2023 Last Quarter Report | View | |
30th of June 2023 Last Financial Announcement | View |
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 | |||
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2023-02-08 | 2022-12-31 | -0.98 | -1.1 | -0.12 | 12 | ||
2023-11-08 | 2023-09-30 | -0.7 | -0.57 | 0.13 | 18 | ||
2023-08-24 | 2023-06-30 | -0.85 | -0.69 | 0.16 | 18 |
Affirm Holdings Environmental, Social, and Governance (ESG) Scores
Affirm Holdings' ESG score is a quantitative measure that evaluates Affirm Holdings' performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Affirm Holdings' operations that may have significant financial implications and affect Affirm Holdings' stock price as well as guide investors towards more socially responsible investments.
Affirm Stock Institutional Investors
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. | 2024-03-31 | 2.3 M | Ubs Group Ag | 2024-03-31 | 2.2 M | T. Rowe Price Associates, Inc. | 2024-03-31 | 2.2 M | Abdiel Capital Advisors Llc | 2024-03-31 | 2.1 M | Qube Research & Technologies | 2024-03-31 | 2 M | Jane Street Group, Llc | 2023-12-31 | 1.7 M | Bank Of America Corp | 2024-03-31 | 1.7 M | Spyglass Capital Management Llc | 2024-03-31 | 1.6 M | Founders Fund Growth Management, Llc | 2024-03-31 | 1.6 M | Morgan Stanley - Brokerage Accounts | 2024-03-31 | 30.6 M | Vanguard Group Inc | 2024-03-31 | 20.8 M |
Affirm Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 8.16 B.Affirm Profitablity
The company has Profit Margin (PM) of (0.32) %, 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 (0.27) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $0.27.Last Reported | Projected for Next Year | ||
Return On Tangible Assets | (0.15) | (0.16) | |
Return On Capital Employed | (0.17) | (0.18) | |
Return On Assets | (0.14) | (0.15) | |
Return On Equity | (0.45) | (0.42) |
Management Efficiency
Affirm Holdings has return on total asset (ROA) of (0.058) % which means that it has lost $0.058 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.2643) %, 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. As of the 26th of July 2024, Return On Tangible Assets is likely to drop to -0.16. In addition to that, Return On Capital Employed is likely to drop to -0.18. At this time, Affirm Holdings' Asset Turnover is very stable compared to the past year.Last Reported | Projected for Next Year | ||
Book Value Per Share | 7.72 | 5.07 | |
Tangible Book Value Per Share | 5.96 | 3.82 | |
Enterprise Value Over EBITDA | (12.86) | (13.51) | |
Price Book Value Ratio | 1.61 | 1.69 | |
Enterprise Value Multiple | (12.86) | (13.51) | |
Price Fair Value | 1.61 | 1.69 | |
Enterprise Value | 10.4 B | 10.3 B |
The analysis of Affirm Holdings' management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Affirm Holdings' future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Affirm Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Operating Margin (0.27) | Profit Margin (0.32) | Beta 3.454 | Return On Assets (0.06) | Return On Equity (0.26) |
Technical Drivers
As of the 26th of July, Affirm Holdings shows the risk adjusted performance of (0.02), and Mean Deviation of 3.35. 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. Please confirm Affirm Holdings market risk adjusted performance, information ratio, as well as the relationship between the Information Ratio and skewness to decide if Affirm Holdings is priced correctly, providing market reflects its regular price of 27.1 per share. Given that Affirm Holdings has information ratio of (0.06), 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 Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Affirm Holdings middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Affirm Holdings. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
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.
Michael Linford over a month ago Disposition of 2336 shares by Michael Linford of Affirm Holdings subject to Rule 16b-3 | ||
Michael Linford over three months ago Disposition of 2336 shares by Michael Linford of Affirm Holdings subject to Rule 16b-3 | ||
Libor Michalek over three months ago Disposition of 1180 shares by Libor Michalek of Affirm Holdings subject to Rule 16b-3 | ||
Jiyane Siphelele over three months ago Acquisition by Jiyane Siphelele of 40000 shares of Affirm Holdings subject to Rule 16b-3 | ||
Adkins Katherine over three months ago Disposition of 2053 shares by Adkins Katherine of Affirm Holdings at 38.01 subject to Rule 16b-3 | ||
Sanchez Rodriquez Manuel over six months ago Acquisition by Sanchez Rodriquez Manuel of 28392 shares of Affirm Holdings subject to Rule 16b-3 | ||
Reses Jacqueline D over a year ago Acquisition by Reses Jacqueline D of 2791 shares of Affirm Holdings subject to Rule 16b-3 |
Affirm Holdings Outstanding Bonds
Affirm Holdings issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Affirm Holdings uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Affirm bonds can be classified according to their maturity, which is the date when Affirm Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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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.
Accumulation Distribution | 217723.0 | |||
Daily Balance Of Power | 0.5424 | |||
Rate Of Daily Change | 1.02 | |||
Day Median Price | 27.11 | |||
Day Typical Price | 27.11 | |||
Price Action Indicator | 0.31 | |||
Period Momentum Indicator | 0.64 |
Affirm Holdings Corporate Filings
F3 | 2nd of July 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 1st of July 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 20th of June 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 11th of June 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 5th of June 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 3rd of June 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 8th of May 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 3rd of May 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Affirm Holdings Forecast Models
Affirm Holdings' time-series forecasting models are one of many Affirm Holdings' stock analysis techniques aimed at predicting 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 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 prices is reacting to, or reflecting on a current 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 Reported | Projected for Next Year | ||
Pretax Profit Margin | (0.72) | (0.75) | |
Operating Profit Margin | (0.87) | (0.91) | |
Net Loss | (0.71) | (0.75) | |
Gross Profit Margin | 0.52 | 0.64 |
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 Price | Advice | # of Analysts | |
14.71 | Buy | 18 | Odds |
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 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.
Begin Period Cash Flow | 1.6 B | |
Long Term Debt | 3.6 B | |
Common Stock Shares Outstanding | 295.3 M | |
Total Stockholder Equity | 2.5 B | |
Total Cashflows From Investing Activities | -1.7 B | |
Tax Provision | -3.9 M | |
Property Plant And Equipment Net | 320.3 M | |
Cash And Short Term Investments | 2.1 B | |
Cash | 892 M | |
Accounts Payable | 28.6 M | |
Net Debt | 4.6 B | |
50 Day M A | 30.7156 | |
Total Current Liabilities | 146.1 M | |
Other Operating Expenses | 2.6 B | |
Non Current Assets Total | 1.3 B | |
Common Stock Total Equity | 3000.00 | |
Non Currrent Assets Other | 296.8 M | |
Stock Based Compensation | 451.7 M |
Additional Information and Resources on Investing in Affirm Stock
When determining whether Affirm Holdings is a strong investment it is important to analyze Affirm Holdings' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Affirm Holdings' future performance. For an informed investment choice regarding Affirm Stock, refer to the following important reports:Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Affirm Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area. To learn how to invest in Affirm Stock, please use our How to Invest in Affirm Holdings guide.You can also try the Odds Of Bankruptcy module to get analysis of equity chance of financial distress in the next 2 years.
Is Data Processing & Outsourced Services space 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 (2.22) | Revenue Per Share 6.896 | Quarterly Revenue Growth 0.512 | Return On Assets (0.06) | Return On Equity (0.26) |
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.