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Affirm Holdings (AFRM)
NASDAQ:AFRM
US Market
AFRM
Affirm Holdings
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Affirm Holdings (AFRM) Ratios

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Affirm Holdings Ratios

AFRM's free cash flow for Q3 2026 was $0.66. For the 2026 fiscal year, AFRM's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.
Ratios
TTM
Jun 25Jun 24Jun 23Jun 22
Liquidity Ratios
Current Ratio
 717.01 54.19 65.70 74.34 53.02
Quick Ratio
 717.01 54.19 65.70 74.34 53.02
Cash Ratio
 654.23 7.52 8.11 9.61 11.72
Solvency Ratio
 0.07 0.03 -0.05 -0.15 -0.15
Operating Cash Flow Ratio
 266.98 4.41 3.60 0.13 -1.51
Short-Term Operating Cash Flow Coverage
 266.98 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -6.65B$ 1.67B$ 1.42B$ 1.28B$ 1.32B
Leverage Ratios
Debt-to-Assets Ratio
 0.68 0.70 0.69 0.67 0.59
Debt-to-Equity Ratio
 2.36 2.56 2.42 2.15 1.58
Debt-to-Capital Ratio
 0.70 0.72 0.71 0.68 0.61
Long-Term Debt-to-Capital Ratio
 0.70 0.72 0.71 0.68 0.61
Financial Leverage Ratio
 3.47 3.63 3.48 3.22 2.66
Debt Service Coverage Ratio
 2.48 1.65 -0.01 -3.65 -8.39
Interest Coverage Ratio
 1.00 -0.21 -1.79 -6.56 -12.43
Debt to Market Cap
 0.40 0.35 0.71 1.19 0.80
Interest Debt Per Share
 27.74 25.64 22.46 19.08 14.96
Net Debt to EBITDA
 5.77 9.13 -2.51K -6.79 -4.80
Profitability Margins
Gross Profit Margin
67.71%67.51%63.62%45.01%57.28%
EBIT Margin
21.07%15.10%-7.37%-50.77%-48.55%
EBITDA Margin
28.12%22.08%-0.10%-42.29%-44.65%
Operating Profit Margin
11.12%-2.71%-26.51%-75.62%-64.19%
Pretax Profit Margin
9.95%1.91%-22.19%-62.30%-53.72%
Net Profit Margin
9.63%1.62%-22.29%-62.05%-52.43%
Continuous Operations Profit Margin
9.63%1.62%-22.29%-62.05%-52.43%
Net Income Per EBT
96.76%84.90%100.43%99.61%97.60%
EBT Per EBIT
89.51%-70.43%83.71%82.38%83.69%
Return on Assets (ROA)
2.91%0.47%-5.44%-12.08%-10.14%
Return on Equity (ROE)
11.17%1.70%-18.95%-38.88%-27.02%
Return on Capital Employed (ROCE)
3.36%-0.80%-6.56%-14.89%-12.61%
Return on Invested Capital (ROIC)
10.85%-0.68%-6.56%-14.84%-12.31%
Return on Tangible Assets
3.04%0.49%-5.77%-13.00%-11.13%
Earnings Yield
1.72%0.23%-5.60%-21.76%-13.90%
Efficiency Ratios
Receivables Turnover
 17.21 0.46 0.41 0.36 0.54
Payables Turnover
 21.52 12.65 20.60 30.53 17.43
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.94 5.45 5.17 4.96 6.07
Asset Turnover
 0.30 0.29 0.24 0.19 0.19
Working Capital Turnover Ratio
 0.57 0.37 0.31 0.26 0.29
Cash Conversion Cycle
 4.24 770.16 882.96 1.00K 652.69
Days of Sales Outstanding
 21.20 799.02 900.68 1.01K 673.64
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 16.96 28.86 17.72 11.96 20.94
Operating Cycle
 21.20 799.02 900.68 1.01K 673.64
Cash Flow Ratios
Operating Cash Flow Per Share
 2.99 2.46 1.45 0.04 -0.58
Free Cash Flow Per Share
 2.33 1.86 0.94 -0.37 -0.97
CapEx Per Share
 0.66 0.60 0.51 0.41 0.40
Free Cash Flow to Operating Cash Flow
 0.78 0.76 0.65 -8.92 1.69
Dividend Paid and CapEx Coverage Ratio
 4.54 4.13 2.83 0.10 -1.45
Capital Expenditure Coverage Ratio
 4.54 4.13 2.83 0.10 -1.45
Operating Cash Flow Coverage Ratio
 0.11 0.10 0.07 <0.01 -0.04
Operating Cash Flow to Sales Ratio
 0.25 0.25 0.19 <0.01 -0.12
Free Cash Flow Yield
3.57%2.70%3.15%-2.40%-5.38%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 58.03 427.74 -17.85 -4.59 -7.19
Price-to-Sales (P/S) Ratio
 5.55 6.92 3.98 2.85 3.77
Price-to-Book (P/B) Ratio
 5.87 7.27 3.38 1.79 1.94
Price-to-Free Cash Flow (P/FCF) Ratio
 28.01 37.10 31.78 -41.69 -18.57
Price-to-Operating Cash Flow Ratio
 21.98 28.12 20.53 371.69 -31.37
Price-to-Earnings Growth (PEG) Ratio
 0.03 -3.90 0.36 -0.14 -0.14
Price-to-Fair Value
 5.87 7.27 3.38 1.79 1.94
Enterprise Value Multiple
 25.51 40.48 -6.66K -13.53 -13.24
Enterprise Value
 28.48B 28.82B 14.84B 9.09B 7.98B
EV to EBITDA
 25.51 40.48 -6.66K -13.53 -13.24
EV to Sales
 7.17 8.94 6.39 5.72 5.91
EV to Free Cash Flow
 36.18 47.90 51.04 -83.67 -29.12
EV to Operating Cash Flow
 28.21 36.30 32.98 745.96 -49.18
Tangible Book Value Per Share
 9.57 7.81 7.05 6.63 7.10
Shareholders’ Equity Per Share
 11.22 9.51 8.82 8.58 9.29
Tax and Other Ratios
Effective Tax Rate
 0.03 0.15 >-0.01 <0.01 0.02
Revenue Per Share
 11.78 9.99 7.50 5.38 4.79
Net Income Per Share
 1.13 0.16 -1.67 -3.34 -2.51
Tax Burden
 0.97 0.85 1.00 1.00 0.98
Interest Burden
 0.47 0.13 3.01 1.23 1.11
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.23 0.30 0.23 0.37 0.43
Stock-Based Compensation to Revenue
 0.06 0.10 0.15 0.28 0.29
Income Quality
 2.64 15.21 -0.87 -0.01 0.23
Currency in USD