NASD · Financial · Credit Services · USA
Affirm Holdings Inc is a large cap company (market value between $10 billion and $200 billion) in the Credit Services industry.
Affirm Holdings is a financial technology company offering a payment network that enables consumers to purchase goods through installment loans. The company provides short-term payment plans, zero-interest monthly installments, and interest-bearing monthly installments to consumers across its platform. Affirm serves merchants spanning diverse industries including electronics, fashion, home goods, and travel, generating revenue through merchant fees and consumer interest income.
From its FY2026 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Affirm Holdings Inc stock.
Undervalued: intrinsic value $104.22 per share, market price $73.47, margin of safety 29.5% (as of 2026-10-30).
Discounting its cash flows at 9.3% (average of 2 methods) values the shares at $104.22; the price of $73.47 is 30% below that value, and 77% of that value comes from beyond year five.
Leak Score: 55/100 on 10 of 12 signals (Weak Signal).
17 more funds hold it; the full list is part of the paid plan.
9 more in this industry show a wider margin of safety.
AFRM is undervalued (as of the 2026-10-30 close). Discounting its cash flows at 9.3% (average of 2 methods) values the shares at $104.22; the price of $73.47 is 30% below that value, and 77% of that value comes from beyond year five.
$104.22 per share (as of the 2026-10-30 close), against a market price of $73.47. That is a margin of safety of 29.5%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
55 out of 100, which we rate "Weak Signal", on 10 of 12 value investing signals.