Affirm Holdings Inc

NAS:AFRMFinancial ServicesNASDAQ:INDSNASDAQ:KFTX

$72.80−1.63%At closeAt close · Tue 20 Oct · ≈ AED 267.36 · Market cap $24.56B · Next earnings Thu 5 Nov · Extended $72.85 +0.07%

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	62.9%	57.3%	45.0%	63.6%	67.5%	71.2%	—	—
Operating margin	−44.1%	−64.2%	−75.6%	−26.5%	−2.7%	9.8%	−2.7%	−12.5 pts
Net margin	−50.7%	−52.4%	−62.1%	−22.3%	1.6%	45.3%	1.6%	−43.7 pts
EBITDA margin	−42.6%	−44.6%	−42.3%	−0.1%	22.1%	16.9%	—	—
Return on equity	−17.1%	−27.0%	−38.9%	−19.0%	1.7%	35.2%	1.7%	−33.5 pts
Return on assets	−9.1%	−10.1%	−12.1%	−5.4%	0.5%	12.2%	0.5%	−11.8 pts
Return on capital employed	−8.1%	−12.6%	−14.9%	−6.6%	−0.8%	2.7%	—	—
Debt / equity	0.8×	1.6×	2.2×	2.4×	2.6×	1.8×	2.6×	+43.3%
Debt / assets	40.7%	59.4%	66.8%	69.5%	70.4%	62.0%	—	—
Interest coverage	−7.3×	−12.4×	−6.6×	−1.8×	−0.2×	0.9×	—	—
Current ratio	35.8×	53.0×	74.3×	65.7×	54.2×	—	54.2×	—
Quick ratio	35.8×	53.0×	74.3×	65.7×	54.2×	—	—	—
Cash ratio	13.6×	11.7×	9.6×	8.1×	7.5×	3.6×	7.5×	+111.7%
Asset turnover	0.2×	0.2×	0.2×	0.2×	0.3×	0.3×	—	—
Receivables turnover	0.4×	0.5×	0.4×	0.4×	0.5×	—	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—