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Company Overview Affirm was founded in 2012 with a mission to deliver honest financial products that improve lives. We believe that by using modern technology, strong engineering talent, and a mission-driven approach, we can reinvent payments and commerce.
$69.27
+$4.05 (+6.21%)
Price from 8 days ago
Net margin is thin at 2.00%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 40.0% YoY.
At 62x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
61.8x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$3.24B
▲ +40.0% YoY
Net Income (TTM)
$382M
▲ +110.1% YoY
Net Margin
11.80%
P/E
61.8x
Balance Sheet
Total Assets
$13.14B
Equity
$3.78B
Total Debt
$8.91B
Cash & Equiv.
$1.72B
5Y CAGR: +45.2%
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