Valuation
Personal Credit InstitutionsLive · Yahoo FinancePrice
$71.21
52-Week Range
Decision Context
Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.
Based on filing period ending Mar 2026
FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.
Macro Context
SWOT Analysis — AFRM
Inflationary BoomStrengths
Net Income: $52.2M (+110.1% YoY) — Profit grew 110% — the company kept more of each dollar earned.
EPS (Diluted): $0.15 (+109.0% YoY) — Earnings per share rose 109% — each share earned more.
Operating Cash Flow: $793.9M (+76.4% YoY) — Operating cash flow grew 76% — the business generated more cash from day-to-day operations.
Revenue: $3.2B (+38.8% YoY) — Revenue grew 39% — the company sold more goods or services than the prior year.
Total Assets: $11.2B (+17.2% YoY) — Total assets grew 17% — the company's resource base expanded.
Weaknesses
No material weaknesses flagged.
Opportunities
No clear opportunities identified at this time.
Threats
Total liabilities represent 72% of total assets — elevated leverage that amplifies both gains and losses.
Financial Charts
Year-over-Year Changes
Net Income
$52.2M
was -$517.8M
Profit grew 110% — the company kept more of each dollar earned.
EPS (Diluted)
$0.15
was $-1.67
Earnings per share rose 109% — each share earned more.
Operating Cash Flow
$793.9M
was $450.1M
Operating cash flow grew 76% — the business generated more cash from day-to-day operations.
Revenue
$3.2B
was $2.3B
Revenue grew 39% — the company sold more goods or services than the prior year.
Total Assets
$11.2B
was $9.5B
Total assets grew 17% — the company's resource base expanded.
Risk Flags
0 high · 1 medium · 0 low- ◈ Medium
Total liabilities represent 72% of total assets — elevated leverage that amplifies both gains and losses.
Price History
Technical Signals
Daily closes · 1-year dataLatest News
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External Links
Trade AFRM
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Research Affirm Holdings, Inc.
Data sourced from SEC EDGAR, FRED (Federal Reserve Economic Data), and Yahoo Finance. For informational purposes only. Not financial advice.