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Affirm Holdings, Inc. AFRM NASDAQ

NASDAQ Global Select • Technology • Software - Infrastructure • US • USD

SharesGrow Score
57/100
4/7 Pass
SharesGrow Intrinsic Value
$805.14
+1342.4%
Analyst Price Target
$81.54
+46.1%

Affirm Holdings, Inc. (AFRM) reported total assets of $11.15B and total liabilities of $8.09B for fiscal year 2025, resulting in total equity of $3.07B.

The company held $2.23B in cash and short-term investments. Total debt stood at $7.85B, with net debt of $6.5B. The Debt-to-Equity (D/E) ratio was 2.56 (leveraged).

Current ratio is 54.19, indicating strong short-term liquidity. Interest coverage is -0.2x (weak).

Criteria supported by this page:

  • HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
  • MOAT (80/100) — Total assets $11.15B and equity $3.07B support the company's competitive scale
  • VALUE (60/100) — Debt-to-Equity 2.56 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 57/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
57/100
SG Score
View full scorecard →
VALUE
60/100
Price-to-Earnings & upside
→ Valuation
FUTURE
73/100
Analyst consensus
→ Forecast
PAST
25/100
→ Income
HEALTH
33/100
Debt-to-Equity & liquidity
Proven by this page
MOAT
80/100
→ Income
GROWTH
100/100
→ Income
INCOME
30/100
→ Income
Affirm Holdings, Inc. Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $11.15B$9.52B$8.16B$6.97B
Total Liabilities $8.09B$6.79B$5.62B$4.36B
Total Debt $7.85B$6.61B$5.45B$4.08B
Cash & Investments $2.23B$2.14B$2.07B$2.85B
Total Stockholders Equity $3.07B$2.73B$2.53B$2.62B
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