AFRM · Affirm Holdings Inc
Price
Snapshot
50 fields · last close| Market Cap | $24.03B |
| P/E | 12.45 |
| Float | 281.3M |
| Beta | 3.80 |
| Volatility | 95.1% |
| Exchange | NASDAQ |
| Sector | Financial Services |
| Cap tier | Large cap |
| Macro sensitivity | Very High |
| Clavix score | 52 |
| Price | 71.02 |
| Change | −0.27% |
| Prev Close | 71.21 |
| Open | 70.67 |
| Day Low | 69.61 |
| Day High | 71.31 |
| Avg Vol | 4 |
| Avg $ Vol | $285.9M |
| 52W High | 92.56 |
| 52W Low | 42.09 |
| 52W Pos | 57.3% |
| From High | −23.27% |
| From Low | +68.71% |
| Max DD 1Y | −53.86% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | −3.17% |
| SMA 50 | −5.23% |
| SMA 200 | +6.49% |
| RSI (14) | 45.7 |
| Vol 30D | 52.0% |
| Vol 90D | 54.5% |
| 1Y Range | 42–93 |
| Daily bars | 887 |
| Perf Week | −0.32% |
| Perf Month | −7.91% |
| Perf Quarter | −3.67% |
| Perf Half Y | +60.27% |
| Perf Year | −21.23% |
| Perf YTD | −4.07% |
| Prev Day | −0.27% |
| Clavix | C- |
| Debt / Eq | 1.79 |
| Curr Ratio | 4.16 |
| Int Cover | -5.6× |
| FCF Margin | 24.4% |
| Rev Growth | +33.0% |
| Profit | Profitable |
| Leverage | High |
| Sector rank | 62 / 69 |
Clavix risk grade
regraded every trading dayAFRM grades C-, 52 of 100. Steadiest on News Sentiment (50), most exposed on Macro Resilience (32, weak). 0 of the 4 weighted dimensions sit above the Financial Services median. Ranks 62 of 69 in Financial Services by Clavix score.
How rough the ride is
| AFRM | Financial Services median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 3.80 | 1.21 |
| Volatilityannualized | 95.1% | 30.2% |
| Max drawdown, past yearworst peak-to-trough fall | −53.9% | — |
| Typical daily movemedian absolute daily change | 2.59% | — |
| Days beyond ±3%of the last 252 sessions | 10240% | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| AFRM | Financial Services median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 3.80 | 1.21 |
| Macro sensitivityrate, dollar and credit exposure bucket | Very High | Moderate40% of 70 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Financial Services names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| AFRM | |
|---|---|
| 1 week | −0.3% |
| 1 month | −7.9% |
| Year to date | −4.1% |
| 1 year | −21.2% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| AFRM | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30since 31 Aug |
| Average score0 most bearish, 100 most bullish | 66 |
| Bullish · bearisharticles above 60 · below 40 | 24 · 3 |
| Directionarticles whose tone is improving vs worsening | 24 ↑ 3 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 70 Financial Services names Clavix covers; the tick is the sector median.
Growth
| AFRM | |
|---|---|
| Revenue growthyear over year | +33.0% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Financial Services median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openThe article compares Upstart, Affirm, and SoFi, noting that all three lend to similar borrowers but only SoFi funds loans with deposits. It explains that nontraditional fintech lenders without bank charters must partner with traditional banks to fund loans, paying fees that cut into profits, and that obtaining a federal bank charter would let them take deposits and fund loans internally to save costs.
Affirm's Chief Accounting Officer, Siphelele Jiyane, sold 26,980 shares at an average price of $72.19 on September 14th, totaling about $1.95 million. After the sale, he still directly owns 188,711 shares in the company.
Affirm CEO Max Levchin said the company has rolled out a new AI underwriting system, expressed optimism about the technology, and claimed Affirm has not needed to lay off staff to fund its AI investments.
Affirm has introduced a new AI model for credit underwriting that uses 14 years of the company's data to approve more loans, increase the share of purchases that are actually completed, and improve how those loans perform early on.
Affirm launched a new AI model for credit underwriting that draws on 14 years of company data, with the goal of approving more borrowers, increasing the share of purchases that actually go through, and improving how new loans perform early on.
Nearest peers by size
Financial Services| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| TW | Tradeweb Markets Inc | B+ | $24.33B | 27.12 | 0.59 | Compare |
| SYF | Synchrony Financial | B+ | $24.42B | 6.94 | 1.43 | Compare |
| FISV | Fiserv Inc | B | $25.09B | 8.96 | 0.87 | Compare |
| GPN | Global Payments Inc | B | $22.51B | 16.08 | 0.89 | Compare |
| LPLA | LPL Financial Holdings Inc | B | $25.83B | 25.66 | 0.55 | Compare |
| TROW | T Rowe Price Group Inc | A- | $22.22B | 10.00 | 1.47 | Compare |
| CPAY | Corpay Inc | B+ | $26.12B | 22.89 | 0.97 | Compare |
| SOFI | SoFi Technologies Inc | D+ | $21.91B | 34.43 | 2.30 | Compare |
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