What this score covers. It is a fixed screen of five reported ratios with no valuation input, so a company can score highly while its valuation risk remains elevated. The full report scores valuation separately, as one of nine scored sections. How the score is calculated
Affirm Holdings, Inc. (AFRM) is a Financial Services company in the Credit Services industry. It has a 80/100 Strong Buy score on our five-factor fundamentals screen. Key strengths include Revenue Growth (33.0%), Gross Margin (48.9%), Net Margin (45.3%). Areas to watch: Debt/Equity (1.83). The score is a five-factor screen — revenue growth, gross margin, net margin, return on equity and debt-to-equity — each scored against fixed thresholds from a neutral starting point of 50 points. The full report scores nine sections, including moat, free cash flow, dilution and valuation, which this screen does not.
This page score and the strengths and concerns above are produced by deterministic, rule-based calculations from the available third-party financial inputs documented below. AI does not choose the score, strengths, or concerns. Data and automated summaries can contain errors. This is not personalized investment advice. See our methodology and disclaimer.
The calculation starts at 50 points and applies the five fixed adjustments shown below. Missing or invalid inputs contribute no adjustment. A finite provider-reported zero is treated as a measured value and evaluated against that input's displayed threshold. The pre-clamp result is 80; the published result is clamped to a minimum of 10 and maximum of 98, producing 80/100.
| Input | Displayed value | Threshold applied | Adjustment | Data status |
|---|---|---|---|---|
| Revenue Growth | 33.0% | > 20% | +12 | Available |
| Gross Margin | 48.9% | > 35% to 50% | +6 | Available |
| Net Margin | 45.3% | > 20% | +10 | Available |
| Return on Equity | 45.1% | > 20% | +10 | Available |
| Debt/Equity | 1.83 | 1.00 or higher | -8 | Available |
80 or higher: Strong Buy; 65–79: Buy; 50–64: Hold; below 50: Caution.
These are fixed names for score ranges. The score is not a success probability, recommendation, or forecast, and 80/100 does not mean an 80% chance of a gain.
This page was generated . The provider identifies the latest underlying financial period as June 30, 2026. The displayed market quote is dated October 05, 2026. Generation time is not the same as the date of the underlying filing or market observation.
Financial inputs may be delayed, restated, differently standardized by the data provider, or unavailable. Missing, invalid, or non-finite values receive no positive or negative adjustment rather than being estimated. A finite provider-reported zero is retained and evaluated against that metric's displayed threshold; it is not treated as missing. This can make a sparse-data score less informative. The screen does not capture every business, market, valuation, or portfolio risk, and investors can lose money.
Review filings at SEC EDGAR and read our data sources, score guide, methodology, AI disclosure, and corrections policy.
The 80/100 on this page comes from a fixed screen of 5 ratios. The downloadable report is a separate analysis with its own score, built from 9 weighted sections.
Each factor is scored against fixed thresholds from a starting point of 50 points. No factor prices the stock, so valuation is not part of the 80/100.
When the inputs allow, the report also shows a fair-value estimate with its discounted cash flow (DCF) assumptions and a 3×3 sensitivity table, a confidence figure, and the data limitations that reduced that confidence. Its headline label can add a valuation-risk flag next to the fundamental-quality rating.
4 data points drawn from analyst targets, consensus estimates, and ownership data. These are supplementary observations, not event predictions or causal explanations:
Compared against other Credit Services companies we cover, picked for having a similar market capitalisation to AFRM.
Comparison context only: this peer set is selected statically from our covered companies using industry and company-size context. Peer data and peer selection do not change the AFRM page score.
3 measurable indicators visible in Affirm Holdings, Inc.'s reported numbers. These are market and valuation risk metrics — not a comprehensive list of business risks, which would require qualitative analysis beyond this data:
Affirm Holdings, Inc.'s liquidity and cash generation as of the most recent filing — note the cash position of $1.70B against $10.02B of debt:
These are provider-normalized figures and may differ from the issuer's as-filed presentation, units, or latest amendment. Use source filings for verification.
Institutional investment managers with >$100 M in qualifying assets must disclose their equity positions quarterly on SEC Form 13F — typically within 45 days of quarter-end. Search those filings below to see which hedge funds, mutual funds, and asset managers reported AFRM as a holding, how many shares they held, and how positions changed quarter over quarter.
AFRM rates 80/100 on our five-factor fundamentals screen, which puts it in the "Strong Buy" band. The band name describes a fixed range in this model; it is not a recommendation or prediction. The calculation above shows how each reported input affected the result.
Affirm Holdings, Inc. clears our thresholds on most of what we measure. The strongest readings are revenue growth (33.0%) and gross margin (48.9%). It is not unqualified: debt/equity (1.83) works against it.
Affirm Holdings, Inc. reported revenue growth of 33.0% year over year, against a Credit Services peer set where scale and pricing power vary widely. Growth at that level is the single largest positive contributor to the AFRM score.
Earnings grew 2186.9% over the same period, outpacing revenue — a sign of operating leverage.
Track upcoming report dates on our earnings calendar.
This is a review of reported fundamentals, not a price target or an estimate of future returns. These are the current figures that may be useful to monitor as new filings become available.
Current reading: Revenue growth of 33.0% is above the model's 10% threshold. Net margins of 45.3% show how much reported revenue currently converts to profit. Future filings may change either figure and the resulting score.
These are the Affirm Holdings, Inc. figures that push the score up, taken straight from the most recent reported financials:
These are the figures working against AFRM in the same model:
See how the metrics on this AFRM page — quality score, valuation, DCF scenarios, confidence labels, and data limitations — are organized in the downloadable research report.
Generate My Free AFRM ReportGuides to the specific measures used in this AFRM analysis:
How the financial statements behind this page fit together.
Understanding P/E RatioWhat AFRM's 13.5x multiple does and does not tell you.
Return on Equity (ROE)Why AFRM's 45.1% return on equity matters for stock selection.
Stock Valuation MethodsHow DCF, multiples and asset-based approaches value a company like Affirm Holdings, Inc..
DCF Assumptions and LimitationsWhat a discounted cash flow estimate for AFRM depends on, and where it breaks down.
How to Read an AI Stock ReportWhat each section of a AFRM report is for, and what it leaves out.
How to Read Earnings ReportsWhere the AFRM growth and margin figures on this page come from.
What Are Demand Zones?The technical side we deliberately keep out of the AFRM score.
Latest SEC filings for AFRM explained in plain English — insider buys/sells (Form 4), proposed sales (Form 144), material events (8-K), and quarterly & annual reports.