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Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks, and through virtual card networks among others. Geographically, it generates a majority share of its revenue from the United States.
2019
2.0K+
LTM Revenue $3.1B
LTM EBITDA $724M
$22.0B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Affirm has a last 12-month revenue (LTM) of $3.1B and a last 12-month EBITDA of $724M.
In the most recent fiscal year, Affirm achieved revenue of $2.3B and an EBITDA of -$2.2M.
Affirm expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Affirm valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $3.1B | XXX | $2.3B | XXX | XXX | XXX |
| Gross Profit | $1.4B | XXX | $1.5B | XXX | XXX | XXX |
| Gross Margin | 46% | XXX | 64% | XXX | XXX | XXX |
| EBITDA | $724M | XXX | -$2.2M | XXX | XXX | XXX |
| EBITDA Margin | 23% | XXX | 0% | XXX | XXX | XXX |
| EBIT | $714M | XXX | -$265M | XXX | XXX | XXX |
| EBIT Margin | 23% | XXX | -11% | XXX | XXX | XXX |
| Net Profit | -$25.4M | XXX | -$518M | XXX | XXX | XXX |
| Net Margin | -1% | XXX | -22% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $5.6B | XXX | XXX | XXX |
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As of May 30, 2025, Affirm's stock price is $52.
Affirm has current market cap of $16.7B, and EV of $22.0B.
See Affirm trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $22.0B | $16.7B | XXX | XXX | XXX | XXX | $-0.09 |
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Start Free TrialAs of May 30, 2025, Affirm has market cap of $16.7B and EV of $22.0B.
Affirm's trades at 8.0x EV/Revenue multiple, and 58.4x EV/EBITDA.
Equity research analysts estimate Affirm's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Affirm has a P/E ratio of -660.2x.
See valuation multiples for Affirm and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $16.7B | XXX | $16.7B | XXX | XXX | XXX |
| EV (current) | $22.0B | XXX | $22.0B | XXX | XXX | XXX |
| EV/Revenue | 7.1x | XXX | 8.0x | XXX | XXX | XXX |
| EV/EBITDA | 30.3x | XXX | 58.4x | XXX | XXX | XXX |
| EV/EBIT | 30.8x | XXX | 91.7x | XXX | XXX | XXX |
| EV/Gross Profit | 15.5x | XXX | n/a | XXX | XXX | XXX |
| P/E | -660.2x | XXX | -67.1x | XXX | XXX | XXX |
| EV/FCF | 29.6x | XXX | 40.9x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialAffirm's last 12 month revenue growth is 23%
Affirm's revenue per employee in the last FY averaged $1.2M, while opex per employee averaged $0.9M for the same period.
Affirm's rule of 40 is 6% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Affirm's rule of X is 81% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Affirm and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 23% | XXX | 26% | XXX | XXX | XXX |
| EBITDA Margin | 23% | XXX | 14% | XXX | XXX | XXX |
| EBITDA Growth | 43% | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | 6% | XXX | 37% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 81% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $1.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.9M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 25% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 75% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Adyen | XXX | XXX | XXX | XXX | XXX | XXX |
| Tyro Payments | XXX | XXX | XXX | XXX | XXX | XXX |
| Keyware Technologies | XXX | XXX | XXX | XXX | XXX | XXX |
| eFinance | XXX | XXX | XXX | XXX | XXX | XXX |
| OrderYOYO | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Affirm acquired XXX companies to date.
Last acquisition by Affirm was XXXXXXXX, XXXXX XXXXX XXXXXX . Affirm acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Affirm founded? | Affirm was founded in 2019. |
| Where is Affirm headquartered? | Affirm is headquartered in United States of America. |
| How many employees does Affirm have? | As of today, Affirm has 2.0K+ employees. |
| Who is the CEO of Affirm? | Affirm's CEO is Mr. Max R. Levchin. |
| Is Affirm publicy listed? | Yes, Affirm is a public company listed on NAS. |
| What is the stock symbol of Affirm? | Affirm trades under AFRM ticker. |
| When did Affirm go public? | Affirm went public in 2021. |
| Who are competitors of Affirm? | Similar companies to Affirm include e.g. Adyen, Tyro Payments, Keyware Technologies, eFinance. |
| What is the current market cap of Affirm? | Affirm's current market cap is $16.7B |
| What is the current revenue of Affirm? | Affirm's last 12 months revenue is $3.1B. |
| What is the current revenue growth of Affirm? | Affirm revenue growth (NTM/LTM) is 23%. |
| What is the current EV/Revenue multiple of Affirm? | Current revenue multiple of Affirm is 7.1x. |
| Is Affirm profitable? | Yes, Affirm is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Affirm? | Affirm's last 12 months EBITDA is $724M. |
| What is Affirm's EBITDA margin? | Affirm's last 12 months EBITDA margin is 23%. |
| What is the current EV/EBITDA multiple of Affirm? | Current EBITDA multiple of Affirm is 30.3x. |
| What is the current FCF of Affirm? | Affirm's last 12 months FCF is $743M. |
| What is Affirm's FCF margin? | Affirm's last 12 months FCF margin is 24%. |
| What is the current EV/FCF multiple of Affirm? | Current FCF multiple of Affirm is 29.6x. |
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