Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.

Max Levchin

Alex Rampell

Jeffrey Kaditz

Nathan Gettings

Affirm Holdings, Inc.

The Hofmeister Fintech Sales Method is a method focusing on fintech sales strategies.

The Hofmeister Fintech Sales Method

Silença Tech provides consulting and development services for fintech startups, specializing in software solutions for trading, payments, and accounting.

Metric
Company Name	Affirm Holdings, Inc.	The Hofmeister Fintech Sales Method	Silença Tech
Symbol	AFRM
MSH ID	COM:AFFIRM	COM:HOFMEISTERMETHOD	COM:SILENCATECH
Market	STOCKS	PRIVATE	PRIVATE
Sector	Technology	Commercial & Professional Services	Technology
Industry	Software - Infrastructure	Financial Services	Financial Services
Country	US	US	DE
Stage
Employee Count	2.17K
Website	affirm.com	hofmeistermethod.com	silencatech.com
LinkedIn			silenca-tech
Founders

Metric
Market Cap	8.71B
Enterprise Value
Monthly Web Traffic		1.93K
Web Traffic Growth		6.57
Valuation
Raised Capital

Metric
Revenue	2.32B
Revenue (LTM)
Revenue (NTM)
Gross Profit	1.98B
EBITDA	86.36M
Operating Income	-82.68M
Net Income	-517.76M
EPS	-1.67
Diluted EPS	-1.67
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	0.74
Operating Profit Margin	-0.14
EBITDA Margin	0.04
Net Profit Margin	-0.22
Return on Equity	-0.20
Return on Assets	-0.05
Return on Capital Employed	-0.04

COM:AFFIRM

Affirm Holdings, Inc.

Last Close

65.74

22/11 21:00

Market Cap

8.71B

Beta: -

Volume Today

12.34M

Avg: -

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	-13.80
P/B Ratio	4.87
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	6.60
EV Multiple	257.63

Metric
Days Sales Outstanding	964.71
Days Payables Outstanding	11.31
Days Inventory Outstanding
Operating Cycle	1.01K
Cash Conversion Cycle	982.29
Asset Turnover	0.24

Metric
Operating Cash Flow	450.14M
Free Cash Flow	290.84M
Cash Flow to Debt	0.16
Operating Cash Flow/Sales	0.20
Free Cash Flow Yield	-0.01

Metric
Cash & Equivalents	1.30B
Accounts Receivable	-167.76M
Inventory
Goodwill	533.44M
Debt to Capitalization	0.70
Debt to Assets	0.68
Current Ratio	54.55
Quick Ratio	66.65

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.26
R&D to Revenue
SG&A to Revenue	0.35