Provides point-of-sale payment solutions for consumers. Offers merchant commerce solutions to businesses. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 31% a year over the last 4 years. Red columns mark years that ended in a loss.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
The stock trades 58% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 49% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 31% a year on average.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
This stock swings about 3.6 times as much as the market average. Big rallies — and big drops — can both happen fast.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 3/100.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 24/100.
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.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Analysts’ average target sits above today’s price, yet the valuation grade (24/100) says the stock isn’t cheap.