Affirm Holdings, Inc. cash flow to debt ratio of 12.53% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Affirm Holdings, Inc.'s free cash flow has increased 64.97% from $601.72M last year to $992.63M, signaling increasing performance

Affirm Holdings, Inc.'s debt to equity ratio is 1.79, which means that the company's assets are unhealthy financed, signaling financial risk.

Affirm Holdings, Inc.'s debt has decreased relative to shareholder equity from 2.56 last year to 1.79 today, signaling strengthened financials

Affirm Holdings, Inc. has a net debt to EBITDA ratio of 5.78x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Affirm Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Affirm Holdings, Inc.'s profit margin was 1.62% last year and is 46.11% this year, signaling increasing performance

Affirm Holdings, Inc.'s short-term assets of $2.89B exceed its short-term liabilities of $226.83M

Affirm Holdings, Inc.'s return on assets of 12.22% is higher than the 5.00% threshold, indicating efficient asset utilization

Affirm Holdings, Inc.'s return on equity of 47.91%, is higher than 15.00%, indicating good performance

Affirm Holdings, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Affirm Holdings, Inc. had positive net income in only 2 out of 5 years, indicating unstable earnings

Affirm Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Affirm Holdings, Inc. has a free cash flow yield of 4.14%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Affirm Holdings, Inc.'s yearly earnings has increased 3.60K% since last year from $52.19M to $1.93B, signaling increasing performance

Affirm Holdings, Inc.'s yearly revenue has increased 22.48% since last year from $3.22B to $3.95B, signaling increasing performance

ROIC 11.60% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Affirm Holdings, Inc.'s 3-year revenue CAGR of 35.48% is positive, indicating growing revenue over the past 3 years

Affirm Holdings, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Affirm Holdings, Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

Affirm Holdings, Inc. has insufficient data to evaluate this check.

Affirm Holdings, Inc. has an earnings yield of 7.96%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Affirm Holdings, Inc. is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

Affirm Holdings, Inc. has an EV/EBITDA ratio of 24.94x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Affirm Holdings, Inc. has insufficient data to evaluate this check.

Affirm Holdings, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Affirm Holdings, Inc. has a price-to-book ratio of 4.42x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Affirm Holdings, Inc. has a price-to-sales ratio of 5.79x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue