AFFIRM HOLDINGS, INC. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 33.33 USD | +5.31% |
|
+7.48% | -32.17% |
| 23/04 | Walmart-backed fintech One launches 'buy now, pay later' services, source says | RE |
| 23/04 | Affirm Shares Fall on Report Walmart Leans Toward Startup One as BNPL Provider | MT |
Valuation
| Fiscal Period: June | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Capitalization 1 | 17,854 | 5,173 | 4,533 | 10,228 | - | - |
| Enterprise Value (EV) 1 | 17,118 | 7,996 | 9,039 | 14,396 | 14,789 | 14,913 |
| P/E ratio | -24.8 x | -7.2 x | -4.59 x | -13.2 x | -17.4 x | -22.5 x |
| Yield | - | - | - | - | - | - |
| Capitalization / Revenue | 20.5 x | 3.83 x | 2.85 x | 4.66 x | 3.87 x | 3.23 x |
| EV / Revenue | 19.7 x | 5.93 x | 5.69 x | 6.56 x | 5.59 x | 4.71 x |
| EV / EBITDA | -47.7 x | -9.83 x | -8.48 x | -20 x | -21.9 x | -27.7 x |
| EV / FCF | -80.2 x | -40 x | -83.2 x | 30.9 x | 20.4 x | 15.9 x |
| FCF Yield | -1.25% | -2.5% | -1.2% | 3.23% | 4.91% | 6.3% |
| Price to Book | 7.03 x | 1.98 x | 1.8 x | 4 x | 3.99 x | 3.81 x |
| Nbr of stocks (in thousands) | 2,65,093 | 2,86,430 | 2,95,686 | 3,06,874 | - | - |
| Reference price 2 | 67.35 | 18.06 | 15.33 | 33.33 | 33.33 | 33.33 |
| Announcement Date | 09/09/21 | 25/08/22 | 24/08/23 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: Juni | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 509.5 | 870.5 | 1,349 | 1,588 | 2,195 | 2,643 | 3,163 |
| EBITDA 1 | - | -359.2 | -813.3 | -1,066 | -720.1 | -676.8 | -539 |
| EBIT 1 | - | -379.2 | -866 | -1,201 | -861.4 | -737 | -581.4 |
| Operating Margin | - | -43.56% | -64.19% | -75.62% | -39.24% | -27.88% | -18.38% |
| Earnings before Tax (EBT) 1 | - | -433.3 | -724.8 | -989.2 | -799 | -682 | -500.9 |
| Net income 1 | - | -430.9 | -707.4 | -985.3 | -790.3 | -622.8 | -522.5 |
| Net margin | - | -49.5% | -52.43% | -62.05% | -36% | -23.56% | -16.52% |
| EPS 2 | -2.630 | -2.720 | -2.510 | -3.340 | -2.516 | -1.918 | -1.484 |
| Free Cash Flow 1 | - | -213.4 | -200.1 | -108.6 | 465.5 | 726 | 939.7 |
| FCF margin | - | -24.51% | -14.83% | -6.84% | 21.2% | 27.47% | 29.71% |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | - | - | - | - | - | - |
| Announcement Date | 18/11/20 | 09/09/21 | 25/08/22 | 24/08/23 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: Juni | 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 | 550 | 578.7 | 605.2 | 707.7 | 662.4 |
| EBITDA 1 | -155.5 | -184.2 | -213.4 | -260.1 | -266.6 | -62.03 | -6.425 | -200.5 | -169.3 | -145.6 | -166.8 | -140 | -132.5 | -175.2 | - |
| EBIT 1 | -166.1 | -196.2 | -226.6 | -277.2 | -287.5 | -359.5 | -310 | -243.8 | -209.4 | -172.2 | -239.3 | -219 | -187 | -178.3 | -166.7 |
| Operating Margin | -61.65% | -54.35% | -63.86% | -76.13% | -79.49% | -89.98% | -81.38% | -54.69% | -42.18% | -29.12% | -43.5% | -37.84% | -30.9% | -25.2% | -25.17% |
| Earnings before Tax (EBT) 1 | -306.4 | -159.5 | -54.41 | -204.5 | -251.4 | -324 | -206.5 | -207.3 | -170.7 | -167.6 | -233.8 | -217.2 | -171.9 | -187.5 | -155.5 |
| Net income 1 | -306.6 | -159.7 | -54.67 | -186.4 | -251.3 | -322.4 | -205.7 | -206 | -171.8 | -166.9 | -223.7 | -209.6 | -167.8 | -164 | -140.2 |
| Net margin | -113.82% | -44.25% | -15.41% | -51.19% | -69.48% | -80.7% | -53.99% | -46.2% | -34.6% | -28.24% | -40.67% | -36.22% | -27.73% | -23.18% | -21.17% |
| EPS 2 | -1.130 | -0.5700 | -0.1900 | -0.6500 | -0.8600 | -1.100 | -0.6900 | -0.6900 | -0.5700 | -0.5400 | -0.7129 | -0.6691 | -0.5181 | -0.4585 | -0.4450 |
| Dividend per Share 2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 10/11/21 | 10/02/22 | 12/05/22 | 25/08/22 | 08/11/22 | 08/02/23 | 09/05/23 | 24/08/23 | 08/11/23 | 08/02/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: Juni | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | 2,823 | 4,506 | 4,168 | 4,561 | 4,684 |
| Net Cash position 1 | - | 736 | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | -3.471 x | -4.227 x | -5.789 x | -6.74 x | -8.691 x |
| Free Cash Flow 1 | - | -213 | -200 | -109 | 466 | 726 | 940 |
| ROE (net income / shareholders' equity) | - | -38.9% | -27.2% | -38.2% | -28.6% | -27.5% | -28% |
| ROA (Net income/ Total Assets) | - | -13.7% | -11.9% | -13% | -8.61% | -6.81% | -4.17% |
| Assets 1 | - | 3,135 | 5,920 | 7,565 | 9,183 | 9,150 | 12,525 |
| Book Value Per Share 2 | - | 9.580 | 9.110 | 8.540 | 8.340 | 8.350 | 8.740 |
| Cash Flow per Share 2 | - | -1.210 | -0.4000 | 0.0400 | 1.360 | 2.800 | 2.820 |
| Capex 1 | - | 20.3 | 86.3 | 121 | 124 | 137 | 175 |
| Capex / Sales | - | 2.33% | 6.4% | 7.61% | 5.64% | 5.18% | 5.54% |
| Announcement Date | 18/11/20 | 09/09/21 | 25/08/22 | 24/08/23 | - | - | - |
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
18
Last Close Price
33.33
USD
Average target price
37.85
USD
Spread / Average Target
+13.55%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -32.17% | 10.23B | |
| +1.84% | 178B | |
| +15.86% | 40.12B | |
| +1.11% | 39.08B | |
| +40.35% | 15.64B | |
| +21.51% | 9.16B | |
| -22.87% | 8.98B | |
| +58.27% | 6.75B | |
| -9.32% | 5.05B | |
| +8.82% | 3.54B |
- Stock Market
- Equities
- AFRM Stock
- Financials Affirm Holdings, Inc.
