How to Buy Affirm (Affirm) Stock

Affirm is a software - infrastructure business based in the US. Affirm shares (AFRM) are listed on the NASDAQ and all prices are listed in US Dollars. Affirm employs 2,206 staff and has a trailing 12-month revenue of around $3.5 billion.

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Affirm stock price (NASDAQ: AFRM)

Is it a good time to buy Affirm stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Affirm stock undervalued or overvalued?

Valuing Affirm stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Affirm's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Affirm's P/E ratio

Affirm's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 103x. In other words, Affirm shares trade at around 103x recent earnings.

That's relatively high compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.

However, Affirm's P/E ratio is best considered in relation to those of others within the software - infrastructure industry or those of similar companies.

• GreenSky (GSKY.US): 18.61
• JPMorgan Chase-and-Co (JPM.US): 15.30
• Visa IncClass A (V.US): 32.79
• Synchrony Financial (SYF.US): 8.48
• MarketAxess (MKTX.US): 27.87

Affirm's PEG ratio

Affirm's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.557. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Affirm's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

However, it's sensible to consider Affirm's PEG ratio in relation to those of similar companies.

• GreenSky (GSKY.US): 0.00
• JPMorgan Chase-and-Co (JPM.US): 2.70
• Visa IncClass A (V.US): 1.91
• Synchrony Financial (SYF.US): 1.61
• MarketAxess (MKTX.US): 2.23

Affirm's EBITDA

Affirm's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $394 million.

The EBITDA is a measure of a Affirm's overall financial performance and is widely used to measure a its profitability.

To put Affirm's EBITDA into context you can compare it against that of similar companies.

• GreenSky (GSKY.US): USD$159.7 million
• Visa IncClass A (V.US): USD$28 billion
• MarketAxess (MKTX.US): USD$425.4 million

Affirm share dividends

We're not expecting Affirm to pay a dividend over the next 12 months.

You may also wish to consider:

• JPMorgan Chase-and-Co (JPM.US) (1.77% forward annual dividend yield)
• Visa IncClass A (V.US) (0.73% forward annual dividend yield)
• Synchrony Financial (SYF.US) (1.43% forward annual dividend yield)
• MarketAxess (MKTX.US) (1.84% forward annual dividend yield)

Affirm share price volatility

Over the last 12 months, Affirm's shares have ranged in value from as little as $30.901 up to $100. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Affirm's is 3.574. This would suggest that Affirm's shares are significantly more volatile than the average for this exchange and represent a higher risk.

To put Affirm's beta into context you can compare it against those of similar companies.

• GreenSky (GSKY.US): 1.4105
• JPMorgan Chase-and-Co (JPM.US): 1.076
• Visa IncClass A (V.US): 0.82
• Synchrony Financial (SYF.US): 1.455
• MarketAxess (MKTX.US): 0.997

Affirm overview

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc.

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