Affirm Holdings, Inc. AFRM NASDAQ

Affirm Holdings, Inc. (AFRM) reported exceptional year-over-year revenue growth of +32.7% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed exceptional earnings expansion of +241.9% YoY, reaching $130M in the latest quarter. The net profit margin is 11.5%, which is moderate. The company has maintained profitability in all 4 quarters. The gross margin is 67.6% (high), down 9.4pp vs the prior year. With a $19B market cap, MOAT composite score of 65/100 (moderate competitive position).

Criteria proven by this page:

• GROWTH (100/100, Pass) — proving strong growth momentum
• PAST (25/100, Pass) — proving consistent earnings. Looking at the full 7-year annual 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 (65/100, Partial) — some competitive advantages are present but not dominant

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