| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| KLARKlarna Group plc | 10.82B | 28.69 | 4282.09 | 21.17% | -9.4% | -10.65% | 5.01% | 0.35 |
| AFRMAffirm Holdings, Inc. | 20.78B | 71.81 | 478.73 | 38.8% | 6.74% | 7.07% | 2.9% | 2.56 |
| GCTGigaCloud Technology Inc. | 1.2B | 41.58 | 13.63 | 64.96% | 10.62% | 28.39% | 11.83% | 1.20 |
| KSPIJoint Stock Company Kaspi.kz | 15.06B | 78.95 | 0.01 | 33.36% | 30.32% | 46.92% | 100% | 0.14 |
| KPLTKatapult Holdings, Inc. | 32.67M | 6.92 | -1.16 | 11.56% | -9.98% | |||
| MOGOMogo Inc. | 29.01M | 1.22 | -2.18 | 9.18% | 10.86% | 9.71% | 1.05 |
| Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 264.37M | 509.53M | 870.46M | 1.35B | 1.59B | 2.32B | 3.22B |
| Revenue Growth % | - | 0.93% | 0.71% | 0.55% | 0.18% | 0.46% | 0.39% |
| Cost of Goods Sold | 108.74M | 172.21M | 322.91M | 576.46M | 873.16M | 845.11M | 1.05B |
| COGS % of Revenue | 0.41% | 0.34% | 0.37% | 0.43% | 0.55% | 0.36% | 0.32% |
| Gross Profit | 155.63M | 337.32M | 547.55M | 772.84M | 714.82M | 1.48B | 2.18B |
| Gross Margin % | 0.59% | 0.66% | 0.63% | 0.57% | 0.45% | 0.64% | 0.68% |
| Gross Profit Growth % | - | 1.17% | 0.62% | 0.41% | -0.08% | 1.07% | 0.47% |
| Operating Expenses | 257.17M | 445.11M | 931.22M | 1.64B | 1.92B | 2.09B | 2.26B |
| OpEx % of Revenue | 0.97% | 0.87% | 1.07% | 1.21% | 1.21% | 0.9% | 0.7% |
| Selling, General & Admin | 105.77M | 146.27M | 565.94M | 1.11B | 1.22B | 1.1B | 979.9M |
| SG&A % of Revenue | 0.4% | 0.29% | 0.65% | 0.82% | 0.77% | 0.47% | 0.3% |
| Research & Development | 70.81M | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | 0.27% | - | - | - | - | - | - |
| Other Operating Expenses | 151.41M | 298.83M | 365.28M | 529.05M | 691.01M | 992.04M | 1.28B |
| Operating Income | -101.55M | -107.79M | -383.67M | -866.05M | -1.2B | -615.85M | -87.27M |
| Operating Margin % | -0.38% | -0.21% | -0.44% | -0.64% | -0.76% | -0.27% | -0.03% |
| Operating Income Growth % | - | -0.06% | -2.56% | -1.26% | -0.39% | 0.49% | 0.86% |
| EBITDA | -96.28M | -98.35M | -363.69M | -813.33M | -1.07B | -446.8M | 137.8M |
| EBITDA Margin % | -0.36% | -0.19% | -0.42% | -0.6% | -0.67% | -0.19% | 0.04% |
| EBITDA Growth % | - | -0.02% | -2.7% | -1.24% | -0.31% | 0.58% | 1.31% |
| D&A (Non-Cash Add-back) | 5.27M | 9.44M | 19.98M | 52.72M | 134.63M | 169.04M | 225.08M |
| EBIT | -94.52M | -79.91M | -390.67M | -655.14M | -806.23M | -171.27M | 486.92M |
| Net Interest Income | -25.89M | -32.32M | -52.7M | -69.69M | -183.01M | -344.25M | -425.45M |
| Interest Income | 103.73M | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 3.7M | 32.32M | 52.7M | 69.69M | 183.01M | 344.25M | 425.45M |
| Other Income/Expense | 7.02M | -4.43M | -59.7M | 141.22M | 211.62M | 100.32M | 148.74M |
| Pretax Income | -120.42M | -112.22M | -443.37M | -724.83M | -989.25M | -515.53M | 61.46M |
| Pretax Margin % | -0.46% | -0.22% | -0.51% | -0.54% | -0.62% | -0.22% | 0.02% |
| Income Tax | 36K | 376K | -2.34M | -17.41M | -3.9M | 2.23M | 9.28M |
| Effective Tax Rate % | 1% | 1% | 0.99% | 0.98% | 1% | 1% | 0.85% |
| Net Income | -120.45M | -112.6M | -441.03M | -707.42M | -985.35M | -517.76M | 52.19M |
| Net Margin % | -0.46% | -0.22% | -0.51% | -0.52% | -0.62% | -0.22% | 0.02% |
| Net Income Growth % | - | 0.07% | -2.92% | -0.6% | -0.39% | 0.47% | 1.1% |
| Net Income (Continuing) | -120.45M | -112.6M | -441.03M | -707.42M | -985.35M | -517.76M | 52.19M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.47 | -0.44 | -1.64 | -2.51 | -3.34 | -1.67 | 0.15 |
| EPS Growth % | - | 0.06% | -2.73% | -0.53% | -0.33% | 0.5% | 1.09% |
| EPS (Basic) | -0.47 | -0.44 | -1.64 | -2.51 | -3.34 | -1.67 | 0.16 |
| Diluted Shares Outstanding | 257.41M | 257.41M | 269.48M | 281.7M | 295.34M | 309.86M | 341.02M |
| Basic Shares Outstanding | 257.41M | 257.41M | 269.48M | 281.7M | 295.34M | 309.86M | 322.85M |
| Dividend Payout Ratio | - | - | - | - | - | - | - |
| Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.08B | 1.34B | 3.88B | 5.68B | 6.9B | 8.21B | 9.76B |
| Cash & Short-Term Investments | 320.45M | 267.06M | 1.48B | 2.85B | 2.07B | 2.14B | 2.23B |
| Cash Only | 320.45M | 267.06M | 1.47B | 1.26B | 892.03M | 1.01B | 1.35B |
| Short-Term Investments | 0 | 0 | 16.17M | 1.6B | 1.17B | 1.13B | 871.42M |
| Accounts Receivable | 43.1M | 59M | 2.02B | 2.49B | 4.41B | 5.73B | 7.06B |
| Days Sales Outstanding | 59.51 | 42.27 | 848.09 | 673.64 | 1.01K | 900.68 | 799.02 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - |
| Other Current Assets | 712.68M | 1.01B | 239.1M | 298.31M | 367.99M | 282.33M | 401.97M |
| Total Non-Current Assets | 67.69M | 61.91M | 990.23M | 1.3B | 1.26B | 1.31B | 1.4B |
| Property, Plant & Equipment | 33.65M | 48.14M | 120.33M | 222.15M | 320.31M | 449.55M | 591.76M |
| Fixed Asset Turnover | 7.86x | 10.58x | 7.23x | 6.07x | 4.96x | 5.17x | 5.45x |
| Goodwill | 0 | 1.25M | 516.51M | 539.53M | 542.57M | 533.44M | 534.16M |
| Intangible Assets | 0 | 2.5M | 67.93M | 78.94M | 34.43M | 13.5M | 12.94M |
| Long-Term Investments | 669.15M | 1.85M | 11.28M | 43.17M | 43.17M | 73.01M | 40.28M |
| Other Non-Current Assets | -635.11M | 8.17M | 274.18M | 413.42M | 292.5M | 219.41M | 203.25M |
| Total Assets | 1.15B | 1.4B | 4.87B | 6.97B | 8.16B | 9.52B | 11.15B |
| Asset Turnover | 0.23x | 0.36x | 0.18x | 0.19x | 0.19x | 0.24x | 0.29x |
| Asset Growth % | - | 0.22% | 2.47% | 0.43% | 0.17% | 0.17% | 0.17% |
| Total Current Liabilities | 19.76M | 36.31M | 108.18M | 107.07M | 92.8M | 124.96M | 180.1M |
| Accounts Payable | 10.85M | 18.36M | 57.76M | 33.07M | 28.6M | 41.02M | 82.82M |
| Days Payables Outstanding | 36.41 | 38.92 | 65.29 | 20.94 | 11.96 | 17.72 | 28.86 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio | 54.70x | 36.91x | 35.83x | 53.02x | 74.34x | 65.70x | 54.19x |
| Quick Ratio | 54.70x | 36.91x | 35.83x | 53.02x | 74.34x | 65.70x | 54.19x |
| Cash Conversion Cycle | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 1.39B | 1.73B | 2.18B | 4.25B | 5.53B | 6.66B | 7.91B |
| Long-Term Debt | 585.95M | 917.15M | 1.91B | 4.08B | 5.4B | 6.57B | 7.82B |
| Capital Lease Obligations | 0 | 0 | 74.95M | 65.71M | 52.56M | 39.49M | 31.94M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 806.21M | 815.89M | 200.95M | 104.54M | 77.62M | 48.32M | 52.52M |
| Total Liabilities | 1.41B | 1.77B | 2.29B | 4.36B | 5.62B | 6.79B | 8.09B |
| Total Debt | 585.95M | 917.15M | 1.98B | 4.14B | 5.45B | 6.61B | 7.85B |
| Net Debt | 265.5M | 650.09M | 515.75M | 2.89B | 4.56B | 5.6B | 6.5B |
| Debt / Equity | - | - | 0.77x | 1.58x | 2.15x | 2.42x | 2.56x |
| Debt / EBITDA | - | - | - | - | - | - | 56.99x |
| Net Debt / EBITDA | - | - | - | - | - | - | 47.16x |
| Interest Coverage | -27.43x | -3.34x | -7.28x | -12.43x | -6.56x | -1.79x | -0.21x |
| Total Equity | -263.41M | -367.1M | 2.58B | 2.62B | 2.53B | 2.73B | 3.07B |
| Equity Growth % | - | -0.39% | 8.02% | 0.02% | -0.03% | 0.08% | 0.12% |
| Book Value per Share | -1.02 | -1.43 | 9.56 | 9.29 | 8.58 | 8.82 | 9.00 |
| Total Shareholders' Equity | -263.41M | -367.1M | 2.58B | 2.62B | 2.53B | 2.73B | 3.07B |
| Common Stock | 0 | 0 | 3K | 3K | 3K | 3K | 3K |
| Retained Earnings | -318.24M | -447.17M | -898.49M | -1.61B | -2.59B | -3.11B | -3.06B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | -302K | 6.77M | -7.15M | -15.42M | -21.57M | -15.07M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | -92.5M | -78.99M | -193.13M | -162.19M | 12.18M | 450.14M | 793.91M |
| Operating CF Margin % | -0.35% | -0.16% | -0.22% | -0.12% | 0.01% | 0.19% | 0.25% |
| Operating CF Growth % | - | 0.15% | -1.45% | 0.16% | 1.08% | 35.95% | 0.76% |
| Net Income | -120.45M | -112.6M | -441.03M | -707.42M | -985.35M | -517.76M | 52.19M |
| Depreciation & Amortization | 5.27M | 9.44M | 19.98M | 52.72M | 134.63M | 169.04M | 225.08M |
| Stock-Based Compensation | 0 | 0 | 292.51M | 390.98M | 451.71M | 344.51M | 321.43M |
| Deferred Taxes | 36K | 385K | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 43.35M | -7.15M | -10.84M | 111.42M | 546.16M | 516.69M | 245.04M |
| Working Capital Changes | -20.69M | 30.98M | -53.75M | -9.91M | -134.97M | -62.35M | -49.83M |
| Change in Receivables | -24.79M | -19.05M | -22.93M | -62.7M | -67.69M | -167.76M | -84.95M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 4.43M | 7.51M | 32.22M | -24.69M | -5.04M | 12.42M | 41.8M |
| Cash from Investing | -353.73M | -253.07M | -1.02B | -2.01B | -1.65B | -1.33B | -1.08B |
| Capital Expenditures | -19.41M | -21.02M | -20.25M | -86.29M | -120.78M | -159.3M | -192.19M |
| CapEx % of Revenue | 0.07% | 0.04% | 0.02% | 0.06% | 0.08% | 0.07% | 0.06% |
| Acquisitions | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - |
| Other Investing | 1.41B | -232.05M | -779.35M | -388.7M | -1.97B | -1.32B | -1.28B |
| Cash from Financing | 566.5M | 302.42M | 2.58B | 2.04B | 1.35B | 913.15M | 751.42M |
| Debt Issued (Net) | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - |
| Other Financing | 0 | 0 | -123.74M | -125.02M | -80.52M | -183.35M | -292.35M |
| Net Change in Cash | - | - | - | - | - | - | - |
| Free Cash Flow | -113.75M | -100.01M | -213.38M | -273.9M | -108.59M | 290.84M | 601.72M |
| FCF Margin % | -0.43% | -0.2% | -0.25% | -0.2% | -0.07% | 0.13% | 0.19% |
| FCF Growth % | - | 0.12% | -1.13% | -0.28% | 0.6% | 3.68% | 1.07% |
| FCF per Share | -0.44 | -0.39 | -0.79 | -0.97 | -0.37 | 0.94 | 1.76 |
| FCF Conversion (FCF/Net Income) | 0.77x | 0.70x | 0.44x | 0.23x | -0.01x | -0.87x | 15.21x |
| Interest Paid | 27.84M | 28.09M | 41.69M | 51.52M | 163.19M | 318.24M | 404.38M |
| Taxes Paid | 0 | 0 | 219K | 220K | 808K | 1.19M | 2.74M |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | -39.94% | -27.24% | -38.25% | -19.66% | 1.8% |
| Return on Invested Capital (ROIC) | -3642.25% | -56.72% | -17.06% | -15.11% | -14.3% | -5.99% | -0.73% |
| Gross Margin | 58.87% | 66.2% | 62.9% | 57.28% | 45.01% | 63.62% | 67.51% |
| Net Margin | -45.56% | -22.1% | -50.67% | -52.43% | -62.05% | -22.29% | 1.62% |
| Debt / Equity | - | - | 0.77x | 1.58x | 2.15x | 2.42x | 2.56x |
| Interest Coverage | -27.43x | -3.34x | -7.28x | -12.43x | -6.56x | -1.79x | -0.21x |
| FCF Conversion | 0.77x | 0.70x | 0.44x | 0.23x | -0.01x | -0.87x | 15.21x |
| Revenue Growth | - | 92.74% | 70.84% | 55.01% | 17.69% | 46.29% | 38.8% |
| 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Merchant Network | 379.55M | 458.51M | 507.6M | 674.61M | 882.66M |
| Merchant Network Growth | - | 20.80% | 10.71% | 32.90% | 30.84% |
| Virtual Card Network | 49.85M | 100.7M | 119.34M | 151.4M | 231.31M |
| Virtual Card Network Growth | - | 101.99% | 18.51% | 26.87% | 52.78% |
| 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| UNITED STATES | 857.22M | 1.3B | 1.54B | 2.23B | 3.11B |
| UNITED STATES Growth | - | 52.15% | 18.07% | 44.52% | 39.52% |
| CANADA | 13.24M | 44.85M | 47.42M | 97.39M | 119.01M |
| CANADA Growth | - | 238.71% | 5.73% | 105.37% | 22.19% |
| Other Geographical | - | 136K | 518K | - | 282K |
| Other Geographical Growth | - | - | 280.88% | - | - |
Affirm Holdings, Inc. (AFRM) has a price-to-earnings (P/E) ratio of 478.7x. This suggests investors expect higher future growth.
Affirm Holdings, Inc. (AFRM) reported $3.46B in revenue for fiscal year 2025. This represents a 1209% increase from $264.4M in 2019.
Affirm Holdings, Inc. (AFRM) grew revenue by 38.8% over the past year. This is strong growth.
Yes, Affirm Holdings, Inc. (AFRM) is profitable, generating $233.1M in net income for fiscal year 2025 (1.6% net margin).
Affirm Holdings, Inc. (AFRM) has a return on equity (ROE) of 1.8%. This is below average, suggesting room for improvement.
Affirm Holdings, Inc. (AFRM) generated $769.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.