Affirm Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Affirm Holdings, Inc.'s yearly results (2023–2026), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 168% in 3 years; of every extra $100 of sales, $109 became extra profit. Higher than 97% of Financial Services companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$109Sales grew 168% in 3 years; of every extra $100 of sales, $109 became extra profit.
Higher than 97% of Financial Services companies in United States.
Asset Productivity Ratio
+168% / +94%In 3 years sales changed by +168% while total assets changed by +94%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 65% of Financial Services companies in United States.
Tangible Net Worth Ratio
90%Of every $100 of net worth, $90 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 64% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Affirm Holdings, Inc. owes $0.65 for every $1 it owns. Net profit rose 3598% in the year to Jun 2026.
Compared with Financial Services companies in United States · latest annual results Jun 2026.
P/E ratio
13.1Investors pay $13.1 for every $1 of Affirm Holdings, Inc.'s yearly profit, higher than 53% of Financial Services companies in United States.
P/B ratio
4.45The share price is 4.45 times Affirm Holdings, Inc.'s book value per share, higher than 92% of Financial Services companies in United States.
Market cap
$24.4 BThe total market value of all of Affirm Holdings, Inc.'s shares at today's price (share price × number of shares), larger than 92% of Financial Services companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$5.5 BWhat Affirm Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$16.25Net worth divided by the number of shares. The share price of $72.40 is 4.5 times this, which is the P/B above.
Return on equity (ROE)
45.1%Affirm Holdings, Inc. earned 45.1% on its shareholders' money over the last year, higher than 97% of Financial Services companies in United States.
Owes vs Owns
0.65×Affirm Holdings, Inc. owes $0.65 for every $1 it owns (moderate), lower than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneAffirm Holdings, Inc. does not currently pay a dividend.
Revenue growth
+32%Revenue rose 32% in the year to Jun 2026, and grew 39% a year on average over 3 years.
Profit growth
+3598%Net profit rose 3598% in the year to Jun 2026.
Profit margin
45.3%Affirm Holdings, Inc. keeps $45 of every $100 of revenue as net profit.
Questions
What is Affirm Holdings, Inc.'s P/E ratio?
Investors pay $13.1 for every $1 of Affirm Holdings, Inc.'s yearly profit, higher than 53% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Affirm Holdings, Inc.: $24.4 B ÷ $5.5 B (30 Jun 2026) = 4.5.
What is Affirm Holdings, Inc.'s return on equity?
Affirm Holdings, Inc. earned 45.1% on its shareholders' money over the last year, higher than 97% of Financial Services companies in United States.
How much does Affirm Holdings, Inc. owe compared with what it owns?
Affirm Holdings, Inc. owes $0.65 for every $1 it owns (moderate), lower than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Affirm Holdings, Inc. pay a dividend?
No. Affirm Holdings, Inc. does not currently pay a dividend.
Is Affirm Holdings, Inc.'s revenue growing?
Revenue rose 32% in the year to Jun 2026, and grew 39% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.