Affirm Holdings, Inc. AFRM NASDAQ

Affirm Holdings, Inc. (AFRM) has shown exceptional revenue growth over the past 3 years, expanding from $1.3B to $3.2B (average +34.3%/yr). Net income reached $52M, reflecting exceptional earnings expansion at +39.4%/yr on average. The net profit margin is 1.6%, which is thin. the company was profitable in 1 out of the last 4 years tracked. The gross margin is 67.5% (high), with a +10.2pp trend over the period. With a $19B market cap and MOAT composite score of 80/100, the company has a strong competitive position.

Criteria proven by this page:

• GROWTH (100/100, Pass) — proving strong growth momentum
• PAST (25/100, Fail) — the company has frequently reported losses. Looking at the full 7-year history, the company was profitable in 1 of 7 years — a mixed long-term record
• INCOME (30/100, Partial) — the company is profitable but margin is below 15%
• MOAT (80/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

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