Affirm Holdings, Inc. cash flow to debt ratio of 10.11% 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 106.89% from $290.84M last year to $601.72M, signaling increasing performance

Affirm Holdings, Inc.'s debt to equity ratio is 2.36, 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 2.42 last year to 2.36 today, signaling strengthened financials

Affirm Holdings, Inc. has a net debt to EBITDA ratio of 7.90x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Affirm Holdings, Inc.'s interest coverage ratio is 1.00, which means that the company struggles to meet interest obligations, signaling financial risk.

Affirm Holdings, Inc.'s profit margin has increased (-143.20%) in the last year from -22.29% to 9.63%, signaling increasing performance

Affirm Holdings, Inc.'s short-term assets of $9.76B exceed its short-term liabilities of $180.10M

Affirm Holdings, Inc.'s return on assets of 2.91% is lower than the 5.00% threshold, indicating inefficient asset utilization

Affirm Holdings, Inc.'s return on equity of 11.17%, is lower than 15.00%, indicating bad performance

Affirm Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Affirm Holdings, Inc. had positive net income in only 1 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 2.38%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Affirm Holdings, Inc.'s yearly earnings has increased -110.08% since last year from $-517.76M to $52.19M, signaling increasing performance

Affirm Holdings, Inc.'s yearly revenue has increased 38.80% since last year from $2.32B to $3.22B, signaling increasing performance

ROIC 10.85% (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 33.69% 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 1 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 1.50%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

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

Affirm Holdings, Inc. has an EV/EBITDA ratio of 43.44x, 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 6.73x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value

Affirm Holdings, Inc. has a price-to-sales ratio of 6.41x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue