AFRM — Stock Film
STOCK FILMSCENE 1/11AFRM · $46.88
Stock Expert AI presents
AFRM
Affirm Holdings, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Affirm Holdings, Inc. A quick introduction.

On the stock market since 2021, it operates in the world of technology. It has 2,006 employees. Now — the numbers.

on the stock market since 2021
2,006 employees
$16B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $2 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 2%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
79%Merchant Network
Merchant Network 79%Virtual Card Network 21%
79% of all revenue comes from a single line: Merchant Network.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing, year after year.

Average growth of 39% a year over the last 4 years. Red columns mark years that ended in a loss.

$870.5M
2021
$1.3B
2022
$1.6B
2023
$2.3B
2024
$3.2B
2025
INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
64
average

Profit indicators sit around the sector average.

FINANCIAL STRENGTH
18
very weak

Clearly below the class average.

VALUATION
47
weak

Clearly below the class average.

GROWTH
95
very strong

Sales are growing strongly for its sector.

PRICE MOMENTUM
69
strong

Clearly above the class average — a step short of the very top.

WORTH WATCHING

Financial Strength: The cash-and-debt balance is thin; the buffer for hard times is slim.

Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 3 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Fat profit on each sale10/10
Few are betting against it10/10
WEAK SPOTS
Executives aren’t buying3/10
WORTH WATCHING

Executive Buying: The trades send no strong signal of confidence.

THE FIVE-YEAR JOURNEY
A long and steep decline.

An investor who bought at the very peak is down 72% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/3
Sales keep climbing

Over the last 3 years, sales grew about 34% a year on average.

2
THE BRIGHT SIDE · 2/3
Delivers on expectations

It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.

3
THE BRIGHT SIDE · 3/3
Analysts’ target sits above today’s price

The average analyst price target is $88.6989% above today’s price.

1
THE RISKS · 1/2
A wildly swinging price

This stock swings about 3.7 times as much as the market average. Big rallies — and big drops — can both happen fast.

2
THE RISKS · 2/2
A rich price tag

The company’s market value is 299 times its annual profit. Even a small disappointment could hit the price hard.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, AFRM sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: AFRM is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

Analysts’ average target sits above today’s price, yet the valuation grade (47/100) says the stock isn’t cheap.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Jul 21, 2026 · stockexpertai.com · Stock Film