Affirm is a financial technology company that provides point-of-sale financing and consumer credit solutions. Self-described as enabling consumers to make flexible payment options while shopping online.

Affirm

ChargeAfter provides embedded consumer finance solutions at the point of sale, allowing merchants to offer personalized financing options to customers seamlessly.

ChargeAfter

GoCardless is a financial technology company that specializes in bank payments, including recurring payments, Direct Debit processing, and Open Banking. It provides a payment gateway that enables businesses to set up and manage payments, subscriptions, and invoices with automated payment processing.

Matt Robinson

Tom Blomfield

Hiroki Takeuchi

GoCardless

Varo Money is a fintech company that offers no-cost premium bank accounts and high-interest savings accounts through its mobile app, aiming to redefine banking for everyone to make smart choices with their money.

Metric
Company Name	Affirm	ChargeAfter	GoCardless	Varo Money
Symbol
MSH ID	COM:AFFFIRM	COM:CHARGEAFTER	COM:GOCARDLESS	COM:VAROMONEY
Market	PRIVATE	PRIVATE	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services & Finance	Financial Services & Finance
Industry	Financial Technology	Fintech	Financial technology and services	Financial Services & Finance
Country	US	US		US
Stage		B	Venture Round	Venture Round
Employee Count			501	540
Website	afffirm.com	chargeafter.com	gocardless.com	varomoney.com
LinkedIn				varobank
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic	22.24M	10.24K	2.27M	1.09M
Web Traffic Growth	0.12	0.10	-0.01	0.25
Valuation
Raised Capital		44M		50M

Metric
Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

AFFF

COM:AFFFIRM

Affirm

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue