- ISIN
- US00827B1061
- CUSIP
- 00827B106
- Sector
- Technology
- Industry
- Information Technology Services
- IPO Date
- Jan 13, 2021
Highlights
- Market Cap
- $23.95B
- Enterprise Value
- $23.35B
- EPS (TTM)
- $1.10
- PE Ratio
- 65.18
- Total Revenue (TTM)
- $3.20B
- Gross Profit (TTM)
- $2.00B
- EBITDA (TTM)
- $908.84M
- Year Range
- $42.10 - $100.00
- Target Price
- $80.77
- ROA (TTM)
- 2.91%
- ROE (TTM)
- 10.11%
- Avg. Volume (1M)
- 4M
- Avg. Volume Value (1M)
- $283.73M
Share Price Chart
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Performance
AFRM Performance Chart
Affirm Holdings, Inc. (AFRM) is down 3.9% since the beginning of the year. At $72 per share, AFRM is trading 28.5% below its 52-week high of $100. Investors who bought $1,000 worth of AFRM shares 5 years ago would now be looking at an investment worth $1,270.
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Returns By Period
Affirm Holdings, Inc. (AFRM) has returned -3.92% so far this year and 7.68% over the past 12 months.
Affirm Holdings, Inc.
- 1D
- -2.38%
- 1M
- -15.45%
- 6M
- 18.59%
- YTD
- -3.92%
- 1Y
- 7.68%
- 3Y*
- 53.92%
- 5Y*
- 4.89%
- 10Y*
- —
- ALL TIME*
- -4.24%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
AFRM Monthly Returns History
Based on dividend-adjusted daily data since Jan 13, 2021, AFRM's average daily return is +0.16%, while the average monthly return is +3.04%. At this rate, an investment would double in approximately 1.9 years.
Historically, 45% of months were positive and 55% were negative. The best month was Nov 2023 with a return of +95.4%, while the worst month was Apr 2022 at -38.0%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 5 months.
On a daily basis, AFRM closed higher 49% of trading days. The best single day was Aug 30, 2021 with a return of +46.7%, while the worst single day was Nov 9, 2022 at -22.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -18.98% | -22.09% | -2.47% | 40.29% | 14.58% | 10.73% | -12.31% | -3.92% | |||||
| 2025 | 0.28% | 5.04% | -29.56% | 10.11% | 4.30% | 33.22% | -0.84% | 29.03% | -17.39% | -1.64% | -1.29% | 4.90% | 22.22% |
| 2024 | -17.56% | -7.38% | -0.69% | -14.44% | -8.19% | 3.21% | -6.36% | 55.57% | -7.25% | 7.42% | 59.66% | -13.01% | 23.93% |
| 2023 | 67.43% | -15.87% | -17.25% | -12.51% | 50.71% | 3.16% | 26.48% | 7.32% | 2.21% | -17.21% | 95.40% | 42.81% | 408.17% |
| 2022 | -36.29% | -34.70% | 10.61% | -37.99% | -0.70% | -36.63% | 48.62% | -12.70% | -19.93% | 6.98% | -30.64% | -30.53% | -90.38% |
| 2021 | 9.56% | -6.56% | -24.01% | -0.31% | -13.74% | 10.75% | -16.38% | 71.06% | 23.66% | 36.41% | -22.04% | -20.62% | 10.63% |
Benchmark Metrics
Affirm Holdings, Inc. has an annualized alpha of -2.78%, beta of 3.08, and R2 of 0.29 versus S&P 500 Index. Calculated based on daily prices since January 13, 2021.
- This stock captured 262.09% of S&P 500 Index gains and 230.80% of its losses - amplifying both gains and losses, but participating more in upside than downside.
- R2 of 0.29 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- -2.78%
- Beta
- 3.08
- R²
- 0.29
- Upside Capture
- 262.09%
- Downside Capture
- 230.80%
Return for Risk
Risk / Return Rank
AFRM ranks 47 for risk / return — above 47% of stocks peers on PortfoliosLab. Its historical combined result is near the middle of the peer group.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for Affirm Holdings, Inc. (AFRM) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| AFRM | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.35 | ||
| Sortino ratioReturn per unit of downside risk | -1.41 | ||
| Omega ratioGain probability vs. loss probability | 1.06 | 1.25 | -0.19 |
| Calmar ratioReturn relative to maximum drawdown | 0.08 | 2.00 | -1.92 |
| Martin ratioReturn relative to average drawdown | 0.16 | 8.49 | -8.34 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Affirm Holdings, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Affirm Holdings, Inc. was 94.71%, occurring on Dec 27, 2022. The portfolio has not yet recovered.
The current Affirm Holdings, Inc. drawdown is 57.57%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-94.71%Dec 2022 | 1y 1mo | — | 4y 9moNov 2021 - now | Bear market2022 |
-65.45%May 2021 | 3mo | 4mo 28d | 7mo 28dFeb 2021 - Oct 2021 | — |
-17.12%Jan 2021 | 3d | 11d | 14dJan 2021 - Feb 2021 | — |
-9.22%Jan 2021 | 1d | 2d | 3dJan 2021 - Jan 2021 | — |
-6.11%Oct 2021 | 1d | 5d | 6dOct 2021 - Oct 2021 | — |
Drawdown Indicators
| AFRM | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -94.71% | -56.78% | -37.93% |
Max Drawdown (1Y)Largest decline over 1 year | -53.86% | -9.10% | -44.76% |
Max Drawdown (3Y)Largest decline over 3 years | -55.85% | -18.90% | -36.95% |
Max Drawdown (5Y)Largest decline over 5 years | -94.71% | -25.43% | -69.28% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -57.57% | -1.58% | -55.99% |
Average DrawdownAverage peak-to-trough decline | -68.30% | -10.70% | -57.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 27.69% | 2.14% | +25.55% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Affirm Holdings, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Affirm Holdings, Inc. is priced in the market compared to other companies in the Information Technology Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for AFRM, comparing it with other companies in the Information Technology Services industry. Currently, AFRM has a P/E ratio of 65.2. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for AFRM relative to other companies in the Information Technology Services industry. Currently, AFRM has a P/S ratio of 7.8. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for AFRM in comparison with other companies in the Information Technology Services industry. Currently, AFRM has a P/B value of 6.6. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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