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Affirm Holdings (AFRM)
NASDAQ:AFRM
US Market
AFRM
Affirm Holdings
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Affirm Holdings (AFRM) Ratios

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Affirm Holdings Ratios

AFRM's free cash flow for Q4 2026 was $0.69. For the 2026 fiscal year, AFRM's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Jun 26Jun 25Jun 24Jun 23
Liquidity Ratios
Current Ratio
 12.73 12.73 54.19 65.70 74.34
Quick Ratio
 12.73 12.73 54.19 65.70 74.34
Cash Ratio
 10.73 10.73 7.52 8.11 9.61
Solvency Ratio
 0.22 0.22 0.03 -0.05 -0.15
Operating Cash Flow Ratio
 5.43 5.43 4.41 3.60 0.13
Short-Term Operating Cash Flow Coverage
 5.43 5.43 0.00 0.00 0.00
Net Current Asset Value
$ -7.42B$ -7.42B$ 1.67B$ 1.42B$ 1.28B
Leverage Ratios
Debt-to-Assets Ratio
 0.62 0.62 0.70 0.69 0.67
Debt-to-Equity Ratio
 1.79 1.79 2.56 2.42 2.15
Debt-to-Capital Ratio
 0.64 0.64 0.72 0.71 0.68
Long-Term Debt-to-Capital Ratio
 0.64 0.64 0.72 0.71 0.68
Financial Leverage Ratio
 2.88 2.88 3.63 3.48 3.22
Debt Service Coverage Ratio
 3.95 3.95 1.65 -0.01 -3.65
Interest Coverage Ratio
 1.43 1.92 -0.21 -1.79 -6.56
Debt to Market Cap
 0.43 0.36 0.35 0.71 1.19
Interest Debt Per Share
 30.31 30.66 25.64 22.46 19.08
Net Debt to EBITDA
 5.91 5.91 9.13 -2.51K -6.79
Profitability Margins
Gross Profit Margin
68.15%69.10%67.51%63.62%45.01%
EBIT Margin
22.62%23.96%15.10%-7.37%-50.77%
EBITDA Margin
29.87%31.64%22.08%-0.10%-42.29%
Operating Profit Margin
15.50%22.05%-2.71%-26.51%-75.62%
Pretax Profit Margin
11.77%12.48%1.91%-22.19%-62.30%
Net Profit Margin
46.11%48.87%1.62%-22.29%-62.05%
Continuous Operations Profit Margin
46.11%48.87%1.62%-22.29%-62.05%
Net Income Per EBT
391.66%391.66%84.90%100.43%99.61%
EBT Per EBIT
75.95%56.58%-70.43%83.71%82.38%
Return on Assets (ROA)
12.22%12.22%0.47%-5.44%-12.08%
Return on Equity (ROE)
47.91%35.19%1.70%-18.95%-38.88%
Return on Capital Employed (ROCE)
4.17%5.60%-0.80%-6.56%-14.89%
Return on Invested Capital (ROIC)
11.60%15.58%-0.68%-6.56%-14.84%
Return on Tangible Assets
12.66%12.66%0.49%-5.77%-13.00%
Earnings Yield
8.37%7.06%0.23%-5.60%-21.76%
Efficiency Ratios
Receivables Turnover
 14.72 13.89 0.46 0.41 0.36
Payables Turnover
 15.75 14.42 12.65 20.60 30.53
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.90 5.76 5.45 5.17 4.96
Asset Turnover
 0.27 0.25 0.29 0.24 0.19
Working Capital Turnover Ratio
 1.56 0.65 0.37 0.31 0.26
Cash Conversion Cycle
 1.62 0.96 770.16 882.96 1.00K
Days of Sales Outstanding
 24.80 26.28 799.02 900.68 1.01K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 23.18 25.32 28.86 17.72 11.96
Operating Cycle
 24.80 26.28 799.02 900.68 1.01K
Cash Flow Ratios
Operating Cash Flow Per Share
 3.63 3.67 2.46 1.45 0.04
Free Cash Flow Per Share
 2.93 2.96 1.86 0.94 -0.37
CapEx Per Share
 0.70 0.71 0.60 0.51 0.41
Free Cash Flow to Operating Cash Flow
 0.81 0.81 0.76 0.65 -8.92
Dividend Paid and CapEx Coverage Ratio
 5.17 5.16 4.13 2.83 0.10
Capital Expenditure Coverage Ratio
 5.17 5.16 4.13 2.83 0.10
Operating Cash Flow Coverage Ratio
 0.13 0.13 0.10 0.07 <0.01
Operating Cash Flow to Sales Ratio
 0.29 0.31 0.25 0.19 <0.01
Free Cash Flow Yield
4.36%3.63%2.70%3.15%-2.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.91 14.16 432.13 -17.85 -4.59
Price-to-Sales (P/S) Ratio
 5.44 6.92 6.92 3.98 2.85
Price-to-Book (P/B) Ratio
 4.20 4.98 7.27 3.38 1.79
Price-to-Free Cash Flow (P/FCF) Ratio
 22.93 27.53 37.10 31.78 -41.69
Price-to-Operating Cash Flow Ratio
 18.72 22.20 28.12 20.53 371.69
Price-to-Earnings Growth (PEG) Ratio
 <0.01 <0.01 -3.94 0.36 -0.14
Price-to-Fair Value
 4.20 4.98 7.27 3.38 1.79
Enterprise Value Multiple
 24.13 27.78 40.48 -6.66K -13.53
Enterprise Value
 30.16B 34.72B 28.82B 14.84B 9.09B
EV to EBITDA
 24.13 27.78 40.48 -6.66K -13.53
EV to Sales
 7.21 8.79 8.94 6.39 5.72
EV to Free Cash Flow
 30.37 34.98 47.90 51.04 -83.67
EV to Operating Cash Flow
 24.49 28.21 36.30 32.98 745.96
Tangible Book Value Per Share
 14.55 14.72 7.81 7.05 6.63
Shareholders’ Equity Per Share
 16.17 16.36 9.51 8.82 8.58
Tax and Other Ratios
Effective Tax Rate
 -2.92 -2.92 0.15 >-0.01 <0.01
Revenue Per Share
 12.34 11.78 9.99 7.50 5.38
Net Income Per Share
 5.69 5.76 0.16 -1.67 -3.34
Tax Burden
 3.92 3.92 0.85 1.00 1.00
Interest Burden
 0.52 0.52 0.13 3.01 1.23
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.22 0.23 0.30 0.23 0.37
Stock-Based Compensation to Revenue
 0.04 0.08 0.10 0.15 0.28
Income Quality
 0.64 0.64 15.21 -0.87 -0.01
Currency in USD