Price (90d)
No price history yet — the daily price refresh runs once a day.
Signal Score (90d)
100Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $3.22B | $52.19M | $0.16 |
| 2024 | $2.32B | $-517.76M | $-1.67 |
| 2023 | $1.59B | $-985.35M | $-3.34 |
| 2022 | $1.35B | $-707.42M | $-2.51 |
| 2021 | $870.46M | $-441.03M | $-1.64 |
Social Signal Score
Earnings
Thu, Aug 27(in 11 days)
Consensus estimate $0.35 per share
Typical surprise +69.0% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, May 7$0.30 vs $0.17beat
- Thu, Feb 5$0.37 vs $0.28beat
- Thu, Nov 6$0.23 vs $0.11beat
- Thu, Aug 28$0.20 vs $0.12beat
- Thu, May 8$0.01 vs $-0.01beat
- Thu, Feb 6$0.23 vs $-0.21beat
Estimates and results for AFRM via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $0.24
- Implied price
- $4.28
- Return from $78.35
- -44.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $2.13 — -97.3% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 15 | 18 | 21 | 24 |
|---|---|---|---|---|---|
| -2.0% | -53.2% | -51.1% | -49.3% | -47.7% | -46.3% |
| 3.0% | -50.8% | -48.6% | -46.7% | -45.0% | -43.5% |
| 8.0% | -48.5% | -46.1% | -44.1% | -42.4% | -40.8% |
| 13.0% | -46.1% | -43.6% | -41.5% | -39.7% | -38.1% |
| 18.0% | -43.7% | -41.1% | -38.9% | -37.0% | -35.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (2)
- 4chan /biz/biz·1d ago·Neutral
>>62592066 Good stack. Think you need a BNPL stock too though like Klarna or Affirm. Can’t have a dystopia without nihilistic spending and permanent debt.
View source ↗ - Newspymnts.com·1d ago·Neutral
Airwallex Adds Affirm Pay-Over-Time Options for US Shoppers Airwallex is adding Affirm's installment payment options to its checkout platform, giving merchants in 35 countries a way to offer pay-over-time financing to eligible customers in the United States. Under the partnership announced Thursday (Aug. 13), merchants using Airwallex can make Affirm available at checkout without completing a separate integration.
View source ↗