AFFIRM HOLDINGS, INC. |
Real-time Estimate
Other stock markets
|
5-day change | 1st Jan Change | ||
| 32.89 USD | -5.52% |
|
-4.81% | -32.34% |
| May. 09 | RBC Cuts Price Target on Affirm Holdings to $43 From $50, Keeps Sector Perform Rating | MT |
| May. 08 | Sector Update: Tech Stocks Mixed Pre-Bell Wednesday | MT |
Valuation
| Fiscal Period: June | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Capitalization 1 | 17,854 | 5,173 | 4,533 | 10,740 | - | - |
| Enterprise Value (EV) 1 | 17,118 | 7,996 | 9,039 | 14,654 | 15,261 | 15,349 |
| P/E ratio | -24.8 x | -7.2 x | -4.59 x | -17.5 x | -19.1 x | -23.2 x |
| Yield | - | - | - | - | - | - |
| Capitalization / Revenue | 20.5 x | 3.83 x | 2.85 x | 4.76 x | 4 x | 3.36 x |
| EV / Revenue | 19.7 x | 5.93 x | 5.69 x | 6.49 x | 5.69 x | 4.8 x |
| EV / EBITDA | -47.7 x | -9.83 x | -8.48 x | -27.6 x | -24.7 x | -28.5 x |
| EV / FCF | -80.2 x | -40 x | -83.2 x | 30.5 x | 20.4 x | 16 x |
| FCF Yield | -1.25% | -2.5% | -1.2% | 3.28% | 4.89% | 6.24% |
| Price to Book | 7.03 x | 1.98 x | 1.8 x | 4.17 x | 4.22 x | 3.9 x |
| Nbr of stocks (in thousands) | 265,093 | 286,430 | 295,686 | 308,538 | - | - |
| Reference price 2 | 67.35 | 18.06 | 15.33 | 34.81 | 34.81 | 34.81 |
| Announcement Date | 9/9/21 | 8/25/22 | 8/24/23 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: June | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 509.5 | 870.5 | 1,349 | 1,588 | 2,261 | 2,703 | 3,223 |
| EBITDA 1 | - | -359.2 | -813.3 | -1,066 | -531.2 | -619.1 | -539 |
| EBIT 1 | - | -379.2 | -866 | -1,201 | -696.7 | -688 | -537.8 |
| Operating Margin | - | -43.56% | -64.19% | -75.62% | -30.81% | -25.46% | -16.69% |
| Earnings before Tax (EBT) 1 | - | -433.3 | -724.8 | -989.2 | -607.4 | -617.6 | -512.3 |
| Net income 1 | - | -430.9 | -707.4 | -985.3 | -608.5 | -591 | -393.3 |
| Net margin | - | -49.5% | -52.43% | -62.05% | -26.92% | -21.87% | -12.2% |
| EPS 2 | -2.630 | -2.720 | -2.510 | -3.340 | -1.945 | -1.831 | -1.197 |
| Free Cash Flow 1 | - | -213.4 | -200.1 | -108.6 | 480 | 747 | 957.5 |
| FCF margin | - | -24.51% | -14.83% | -6.84% | 21.23% | 27.64% | 29.71% |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | - | - | - | - | - | - |
| Announcement Date | 11/18/20 | 9/9/21 | 8/25/22 | 8/24/23 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: June | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 | 2025 Q3 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 269.4 | 361 | 354.8 | 364.1 | 361.6 | 399.6 | 381 | 445.8 | 496.5 | 591.1 | 576.2 | 597.3 | 616.9 | 716.8 | 680.1 |
| EBITDA 1 | -155.5 | -184.2 | -213.4 | -260.1 | -266.6 | -62.03 | -6.425 | -200.5 | -169.3 | -145.6 | -115.6 | -92.43 | -93.99 | -134.7 | -95.26 |
| EBIT 1 | -166.1 | -196.2 | -226.6 | -277.2 | -287.5 | -359.5 | -310 | -243.8 | -209.4 | -172.2 | -160.8 | -154.3 | -177.4 | -151 | -154.8 |
| Operating Margin | -61.65% | -54.35% | -63.86% | -76.13% | -79.49% | -89.98% | -81.38% | -54.69% | -42.18% | -29.12% | -27.91% | -25.84% | -28.76% | -21.06% | -22.76% |
| Earnings before Tax (EBT) 1 | -306.4 | -159.5 | -54.41 | -204.5 | -251.4 | -324 | -206.5 | -207.3 | -170.7 | -167.6 | -133 | -155.9 | -176.9 | -165.8 | -147.8 |
| Net income 1 | -306.6 | -159.7 | -54.67 | -186.4 | -251.3 | -322.4 | -205.7 | -206 | -171.8 | -166.9 | -133.9 | -144.6 | -166.4 | -144 | -128.2 |
| Net margin | -113.82% | -44.25% | -15.41% | -51.19% | -69.48% | -80.7% | -53.99% | -46.2% | -34.6% | -28.24% | -23.25% | -24.21% | -26.98% | -20.09% | -18.84% |
| EPS 2 | -1.130 | -0.5700 | -0.1900 | -0.6500 | -0.8600 | -1.100 | -0.6900 | -0.6900 | -0.5700 | -0.5400 | -0.4300 | -0.4625 | -0.5091 | -0.4139 | -0.3797 |
| Dividend per Share 2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 11/10/21 | 2/10/22 | 5/12/22 | 8/25/22 | 11/8/22 | 2/8/23 | 5/9/23 | 8/24/23 | 11/8/23 | 2/8/24 | 5/8/24 | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: June | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | 2,823 | 4,506 | 3,914 | 4,521 | 4,609 |
| Net Cash position 1 | - | 736 | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | -3.471 x | -4.227 x | -7.368 x | -7.303 x | -8.55 x |
| Free Cash Flow 1 | - | -213 | -200 | -109 | 480 | 747 | 958 |
| ROE (net income / shareholders' equity) | - | -38.9% | -27.2% | -38.2% | -24.8% | -26.7% | -24.6% |
| ROA (Net income/ Total Assets) | - | -13.7% | -11.9% | -13% | -7.18% | -6.26% | -3.91% |
| Assets 1 | - | 3,135 | 5,920 | 7,565 | 8,580 | 9,416 | 12,656 |
| Book Value Per Share 2 | - | 9.580 | 9.110 | 8.540 | 8.340 | 8.260 | 8.930 |
| Cash Flow per Share 2 | - | -1.210 | -0.4000 | 0.0400 | 1.230 | 1.630 | 3.160 |
| Capex 1 | - | 20.3 | 86.3 | 121 | 124 | 137 | 175 |
| Capex / Sales | - | 2.33% | 6.4% | 7.61% | 5.48% | 5.1% | 5.49% |
| Announcement Date | 11/18/20 | 9/9/21 | 8/25/22 | 8/24/23 | - | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
Sell
Buy
Mean consensus
HOLD
Number of Analysts
17
Last Close Price
34.81
USD
Average target price
37.11
USD
Spread / Average Target
+6.61%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -29.16% | 10.74B | |
| +0.29% | 176B | |
| +22.71% | 41B | |
| +5.01% | 40.99B | |
| +35.79% | 15.2B | |
| +27.93% | 9.64B | |
| -22.50% | 9.05B | |
| +55.21% | 6.61B | |
| -7.38% | 5.16B | |
| +18.20% | 3.81B |
- Stock Market
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- Financials Affirm Holdings, Inc.