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Affirm Holdings Inc
Buy, Hold or Sell?

Let's analyze Affirm together

I guess you are interested in Affirm Holdings Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Affirm Holdings Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Affirm (30 sec.)










1.2. What can you expect buying and holding a share of Affirm? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
42.9%

What is your share worth?

Current worth
$8.91
Expected worth in 1 year
$9.37
How sure are you?
57.1%

+ What do you gain per year?

Total Gains per Share
$0.46
Return On Investment
0.7%

For what price can you sell your share?

Current Price per Share
$68.82
Expected price per share
$37.88 - $
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Affirm (5 min.)




Live pricePrice per Share (EOD)
$68.82
Intrinsic Value Per Share
$-39.85 - $-47.88
Total Value Per Share
$-30.94 - $-38.97

2.2. Growth of Affirm (5 min.)




Is Affirm growing?

Current yearPrevious yearGrowGrow %
How rich?$2.8b$2.5b$175.9m6.5%

How much money is Affirm making?

Current yearPrevious yearGrowGrow %
Making money-$111.5m-$226.4m$114.9m103.0%
Net Profit Margin-18.2%-53.9%--

How much money comes from the company's main activities?

2.3. Financial Health of Affirm (5 min.)




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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Affirm?

Welcome investor! Affirm's management wants to use your money to grow the business. In return you get a share of Affirm.

First you should know what it really means to hold a share of Affirm. And how you can make/lose money.

Speculation

The Price per Share of Affirm is $68.82. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Affirm.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Affirm, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $8.91. Based on the TTM, the Book Value Change Per Share is $0.12 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.09 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Affirm.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps-0.31-0.5%-0.36-0.5%-0.76-1.1%-0.48-0.7%-0.46-0.7%
Usd Book Value Change Per Share0.250.4%0.120.2%-0.09-0.1%0.450.6%0.420.6%
Usd Dividend Per Share0.000.0%0.000.0%0.050.1%1.021.5%0.971.4%
Usd Total Gains Per Share0.250.4%0.120.2%-0.04-0.1%1.462.1%1.392.0%
Usd Price Per Share40.82-39.36-14.39-32.79-31.23-
Price to Earnings Ratio-32.40--32.39--5.31--18.66--17.77-
Price-to-Total Gains Ratio162.90-119.05-315.04-405.89-405.89-
Price to Book Ratio4.58-4.56-1.70-3.72-3.55-
Price-to-Total Gains Ratio162.90-119.05-315.04-405.89-405.89-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share68.82
Number of shares14
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.001.02
Usd Book Value Change Per Share0.120.45
Usd Total Gains Per Share0.121.46
Gains per Quarter (14 shares)1.6220.47
Gains per Year (14 shares)6.4781.87
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
106-4572572
2013211450154
3019817175236
402614228100318
503220285125400
603926342150482
704532398175564
805238455200646
905844512225728
1006550569249810

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.04.00.00.0%0.012.00.00.0%1.019.00.05.0%1.020.00.04.8%1.020.00.04.8%
Book Value Change Per Share3.01.00.075.0%7.05.00.058.3%10.08.02.050.0%10.08.03.047.6%10.08.03.047.6%
Dividend per Share0.00.04.00.0%4.00.08.033.3%9.00.011.045.0%9.00.012.042.9%9.00.012.042.9%
Total Gains per Share3.01.00.075.0%8.04.00.066.7%12.07.01.060.0%12.07.02.057.1%12.07.02.057.1%
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3.2. Key Performance Indicators

The key performance indicators of Affirm Holdings Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2510.116+117%-0.091+136%0.446-44%0.424-41%
Book Value Per Share--8.9108.632+3%8.475+5%6.645+34%6.329+41%
Current Ratio--17.84621.516-17%46.854-62%24.685-28%23.510-24%
Debt To Asset Ratio--0.7200.714+1%0.682+6%0.628+15%0.598+20%
Debt To Equity Ratio--2.5762.502+3%2.148+20%1.491+73%1.420+81%
Dividend Per Share----0%0.049-100%1.017-100%0.968-100%
Enterprise Value--7806592535.1007645791205.408+2%1011715361.970+672%9847653221.337-21%9847653221.337-21%
Eps---0.315-0.357+13%-0.761+142%-0.479+52%-0.462+47%
Ev To Ebitda Ratio---27.143-98.678+264%-3.835-86%-38.217+41%-38.217+41%
Ev To Sales Ratio--2.7943.073-9%0.536+421%7.470-63%7.470-63%
Free Cash Flow Per Share--0.4800.302+59%-0.057+112%-0.036+108%-0.038+108%
Free Cash Flow To Equity Per Share--1.9431.285+51%1.036+88%1.286+51%1.232+58%
Gross Profit Margin--2.4492.602-6%1.707+43%1.919+28%1.884+30%
Intrinsic Value_10Y_max---47.877--------
Intrinsic Value_10Y_min---39.854--------
Intrinsic Value_1Y_max---0.976--------
Intrinsic Value_1Y_min---0.956--------
Intrinsic Value_3Y_max---5.845--------
Intrinsic Value_3Y_min---5.521--------
Intrinsic Value_5Y_max---14.225--------
Intrinsic Value_5Y_min---12.952--------
Market Cap18713397861.120+31%12990334535.10012320894705.408+5%4311405861.970+201%9432906016.003+38%8983720015.240+45%
Net Profit Margin---0.143-0.182+27%-0.539+275%-0.413+188%-0.410+186%
Operating Margin---0.170-0.071-58%-0.471+178%-0.391+130%-0.386+127%
Operating Ratio--1.1901.067+11%1.536-23%1.364-13%1.360-13%
Pb Ratio7.724+41%4.5814.562+0%1.699+170%3.724+23%3.547+29%
Pe Ratio-54.631-69%-32.404-32.3940%-5.314-84%-18.656-42%-17.768-45%
Price Per Share68.820+41%40.82039.358+4%14.385+184%32.792+24%31.230+31%
Price To Free Cash Flow Ratio35.853+41%21.26655.899-62%16.273+31%2.228+854%2.122+902%
Price To Total Gains Ratio274.638+41%162.899119.049+37%315.038-48%405.895-60%405.895-60%
Quick Ratio--25.73725.343+2%51.062-50%26.500-3%25.238+2%
Return On Assets---0.010-0.012+20%-0.029+189%-0.019+94%-0.018+84%
Return On Equity---0.035-0.042+18%-0.090+154%-0.054+52%-0.051+45%
Total Gains Per Share--0.2510.116+117%-0.042+117%1.462-83%1.392-82%
Usd Book Value--2835572000.0002706476250.000+5%2530566750.000+12%1950103950.000+45%1857241857.143+53%
Usd Book Value Change Per Share--0.2510.116+117%-0.091+136%0.446-44%0.424-41%
Usd Book Value Per Share--8.9108.632+3%8.475+5%6.645+34%6.329+41%
Usd Dividend Per Share----0%0.049-100%1.017-100%0.968-100%
Usd Enterprise Value--7806592535.1007645791205.408+2%1011715361.970+672%9847653221.337-21%9847653221.337-21%
Usd Eps---0.315-0.357+13%-0.761+142%-0.479+52%-0.462+47%
Usd Free Cash Flow--152715000.00095118000.000+61%-16393250.000+111%-8403400.000+106%-9143238.095+106%
Usd Free Cash Flow Per Share--0.4800.302+59%-0.057+112%-0.036+108%-0.038+108%
Usd Free Cash Flow To Equity Per Share--1.9431.285+51%1.036+88%1.286+51%1.232+58%
Usd Market Cap18713397861.120+31%12990334535.10012320894705.408+5%4311405861.970+201%9432906016.003+38%8983720015.240+45%
Usd Price Per Share68.820+41%40.82039.358+4%14.385+184%32.792+24%31.230+31%
Usd Profit---100222000.000-111549000.000+11%-226464750.000+126%-140738100.000+40%-135502714.286+35%
Usd Revenue--698479000.000631232750.000+11%430727000.000+62%362540000.000+93%349464142.857+100%
Usd Total Gains Per Share--0.2510.116+117%-0.042+117%1.462-83%1.392-82%
 EOD+5 -3MRQTTM+29 -9YOY+29 -115Y+23 -1710Y+24 -16

3.3 Fundamental Score

Let's check the fundamental score of Affirm Holdings Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-54.631
Price to Book Ratio (EOD)Between0-17.724
Net Profit Margin (MRQ)Greater than0-0.143
Operating Margin (MRQ)Greater than0-0.170
Quick Ratio (MRQ)Greater than125.737
Current Ratio (MRQ)Greater than117.846
Debt to Asset Ratio (MRQ)Less than10.720
Debt to Equity Ratio (MRQ)Less than12.576
Return on Equity (MRQ)Greater than0.15-0.035
Return on Assets (MRQ)Greater than0.05-0.010
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Affirm Holdings Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5061.614
Ma 20Greater thanMa 5064.753
Ma 50Greater thanMa 10052.019
Ma 100Greater thanMa 20042.944
OpenGreater thanClose71.690
Total5/5 (100.0%)

4. In-depth Analysis

4.1 About Affirm Holdings Inc

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. The company has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. Its 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. was founded in 2012 and is headquartered in San Francisco, California.

Fundamental data was last updated by Penke on 2024-12-05 11:43:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is overpriced.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Affirm earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Affirm to the Software - Infrastructure industry mean.
  • A Net Profit Margin of -14.3% means that $-0.14 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Affirm Holdings Inc:

  • The MRQ is -14.3%. The company is making a huge loss. -2
  • The TTM is -18.2%. The company is making a huge loss. -2
Trends
Current periodCompared to+/- 
MRQ-14.3%TTM-18.2%+3.8%
TTM-18.2%YOY-53.9%+35.7%
TTM-18.2%5Y-41.3%+23.1%
5Y-41.3%10Y-41.0%-0.3%
4.3.1.2. Return on Assets

Shows how efficient Affirm is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Affirm to the Software - Infrastructure industry mean.
  • -1.0% Return on Assets means that Affirm generated $-0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Affirm Holdings Inc:

  • The MRQ is -1.0%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -1.2%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-1.0%TTM-1.2%+0.2%
TTM-1.2%YOY-2.9%+1.7%
TTM-1.2%5Y-1.9%+0.7%
5Y-1.9%10Y-1.8%-0.1%
4.3.1.3. Return on Equity

Shows how efficient Affirm is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Affirm to the Software - Infrastructure industry mean.
  • -3.5% Return on Equity means Affirm generated $-0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Affirm Holdings Inc:

  • The MRQ is -3.5%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -4.2%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-3.5%TTM-4.2%+0.6%
TTM-4.2%YOY-9.0%+4.8%
TTM-4.2%5Y-5.4%+1.2%
5Y-5.4%10Y-5.1%-0.3%
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4.3.2. Operating Efficiency of Affirm Holdings Inc.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Affirm is operating .

  • Measures how much profit Affirm makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Affirm to the Software - Infrastructure industry mean.
  • An Operating Margin of -17.0% means the company generated $-0.17  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Affirm Holdings Inc:

  • The MRQ is -17.0%. The company is operating very inefficient. -2
  • The TTM is -7.1%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-17.0%TTM-7.1%-9.9%
TTM-7.1%YOY-47.1%+40.0%
TTM-7.1%5Y-39.1%+32.0%
5Y-39.1%10Y-38.6%-0.5%
4.3.2.2. Operating Ratio

Measures how efficient Affirm is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Software - Infrastructure industry mean).
  • An Operation Ratio of 1.19 means that the operating costs are $1.19 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Affirm Holdings Inc:

  • The MRQ is 1.190. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.067. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.190TTM1.067+0.123
TTM1.067YOY1.536-0.468
TTM1.0675Y1.364-0.297
5Y1.36410Y1.360+0.004
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4.4.3. Liquidity of Affirm Holdings Inc.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Affirm is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Software - Infrastructure industry mean).
  • A Current Ratio of 17.85 means the company has $17.85 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Affirm Holdings Inc:

  • The MRQ is 17.846. The company is very able to pay all its short-term debts. +2
  • The TTM is 21.516. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ17.846TTM21.516-3.670
TTM21.516YOY46.854-25.339
TTM21.5165Y24.685-3.170
5Y24.68510Y23.510+1.175
4.4.3.2. Quick Ratio

Measures if Affirm is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Affirm to the Software - Infrastructure industry mean.
  • A Quick Ratio of 25.74 means the company can pay off $25.74 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Affirm Holdings Inc:

  • The MRQ is 25.737. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 25.343. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ25.737TTM25.343+0.393
TTM25.343YOY51.062-25.719
TTM25.3435Y26.500-1.156
5Y26.50010Y25.238+1.262
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4.5.4. Solvency of Affirm Holdings Inc.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Affirm assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Affirm to Software - Infrastructure industry mean.
  • A Debt to Asset Ratio of 0.72 means that Affirm assets are financed with 72.0% credit (debt) and the remaining percentage (100% - 72.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Affirm Holdings Inc:

  • The MRQ is 0.720. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.714. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.720TTM0.714+0.006
TTM0.714YOY0.682+0.032
TTM0.7145Y0.628+0.086
5Y0.62810Y0.598+0.030
4.5.4.2. Debt to Equity Ratio

Measures if Affirm is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Affirm to the Software - Infrastructure industry mean.
  • A Debt to Equity ratio of 257.6% means that company has $2.58 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Affirm Holdings Inc:

  • The MRQ is 2.576. The company is unable to pay all its debts with equity. -1
  • The TTM is 2.502. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ2.576TTM2.502+0.074
TTM2.502YOY2.148+0.354
TTM2.5025Y1.491+1.011
5Y1.49110Y1.420+0.071
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Affirm generates.

  • Above 15 is considered overpriced but always compare Affirm to the Software - Infrastructure industry mean.
  • A PE ratio of -32.40 means the investor is paying $-32.40 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Affirm Holdings Inc:

  • The EOD is -54.631. Based on the earnings, the company is expensive. -2
  • The MRQ is -32.404. Based on the earnings, the company is expensive. -2
  • The TTM is -32.394. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-54.631MRQ-32.404-22.227
MRQ-32.404TTM-32.394-0.010
TTM-32.394YOY-5.314-27.080
TTM-32.3945Y-18.656-13.737
5Y-18.65610Y-17.768-0.888
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Affirm Holdings Inc:

  • The EOD is 35.853. Based on how much money comes from the company's main activities, the company is fair priced.
  • The MRQ is 21.266. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 55.899. Based on how much money comes from the company's main activities, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD35.853MRQ21.266+14.587
MRQ21.266TTM55.899-34.633
TTM55.899YOY16.273+39.626
TTM55.8995Y2.228+53.671
5Y2.22810Y2.122+0.106
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Affirm is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Software - Infrastructure industry mean).
  • A PB ratio of 4.58 means the investor is paying $4.58 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Affirm Holdings Inc:

  • The EOD is 7.724. Based on the equity, the company is overpriced. -1
  • The MRQ is 4.581. Based on the equity, the company is fair priced.
  • The TTM is 4.562. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD7.724MRQ4.581+3.142
MRQ4.581TTM4.562+0.020
TTM4.562YOY1.699+2.863
TTM4.5625Y3.724+0.838
5Y3.72410Y3.547+0.177
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Affirm Holdings Inc.

4.8.1. Institutions holding Affirm Holdings Inc

Institutions are holding 78.58% of the shares of Affirm Holdings Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-09-30Morgan Stanley - Brokerage Accounts9.61440.089430194462-30896374-50.5745
2024-09-30Capital Research Global Investors7.57630.201923793987348720.1468
2024-09-30Vanguard Group Inc6.71820.015421098989618010.2938
2024-09-30Capital World Investors5.81630.115618266583-541209-2.8776
2024-06-30BlackRock Inc3.17460.0068996992740800.0409
2024-09-30Baillie Gifford & Co Limited.3.16370.30359935768-3464658-25.8548
2024-09-30D. E. Shaw & Co LP1.81850.20015711163-1828089-24.2476
2024-09-30Jericho Capital Asset Management LP1.48354.5868465914746591470
2024-09-30Geode Capital Management, LLC1.26130.01313961119-42541-1.0626
2024-09-30State Street Corp1.25540.006639426981011512.6331
2024-09-30Durable Capital Partners LP0.94550.8868296945629694560
2024-09-30Citadel Advisors Llc0.84310.02092647923-1457682-35.5047
2024-09-30Spyglass Capital Management LLC0.74776.293723480952004499.3334
2024-09-30Susquehanna International Group, LLP0.70210.015722048671729501363.8251
2024-09-30Charles Schwab Investment Management Inc0.70150.0172220321067288343.9699
2024-09-30Millennium Management LLC0.69110.0422170353-98800-4.354
2024-09-30Abdiel Capital Advisors LLC0.65595.081205973700
2024-09-301832 Asset Management L.P0.64870.0633203740020374000
2024-09-30Wellington Management Company LLP0.63070.014219806391203450154.8465
2024-09-30Marshall Wace Asset Management Ltd0.6030.0942189377787352485.6184
Total 49.051518.0682154049300-23781639-15.4%

4.9.2. Funds holding Affirm Holdings Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-09-30Capital Group Growth Fnd of Amer Comp6.72080.29512110701500
2024-09-30American Funds Growth Fund of Amer A6.72080.29512110701500
2024-10-31Vanguard Total Stock Mkt Idx Inv2.29640.01837212022-27009-0.3731
2024-09-30Capital Group AMCAP Composite2.24150.32087039503-4128-0.0586
2024-09-30VA CollegeAmerica Amcap 529A2.24150.32087039503-4128-0.0586
2024-09-30American Funds SMALLCAP World A2.00020.33276281610-915976-12.7262
2024-10-31Vanguard Small Cap Index1.81550.16435701614111500.1959
2024-09-30Morgan Stanley Growth SMA1.80876.35025680470397350.7044
2024-09-30Morgan Stanley Growth1.80876.35025680470397350.7044
2024-09-30Morgan Stanley Inst Growth I1.80876.33515680470397350.7044
2024-09-30Capital Group New Economy Comp1.45830.5201457991900
2024-09-30American Funds New Economy A1.45830.5201457991900
2024-09-30MS INVF US Growth I1.38016.0916433436400
2024-09-30Scottish Mortgage Ord1.30630.9242410264400
2024-09-30Vanguard US Growth Investor1.20390.3324378082900
2024-10-31Baillie Gifford US Equity Growth1.20391.8064378082900
2024-10-31Vanguard Institutional Extnd Mkt Idx Tr1.13520.1443565280-20153-0.5621
2024-10-31Vanguard Small Cap Growth Index Inv0.99640.37823129219-8628-0.275
2024-09-30Capital Group Growth Composite0.63650.1787199905100
2024-09-30American Funds IS® Growth 10.63650.1787199905100
Total 40.878231.857128380797-849667-0.7%

5.3. Insider Transactions

Insiders are holding 4.834% of the shares of Affirm Holdings Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-12-02Robert O'hareSELL1396568.57
2024-12-02Libor MichalekSELL662972.08
2024-11-29Libor MichalekSELL284770
2024-11-25Libor MichalekSELL9633270.01
2024-11-25Robert O'hareSELL7903970.01
2024-11-22Libor MichalekSELL10082168.11
2024-11-22Robert O'hareSELL1121870
2024-11-20Libor MichalekSELL7710564.08
2024-11-18Libor MichalekSELL10000062
2024-11-11Robert O'hareSELL10093855
2024-11-11Katherine AdkinsSELL20000055.05
2024-09-18Katherine AdkinsSELL8231645
2024-09-16Katherine AdkinsSELL608445
2024-09-12Christa S QuarlesSELL1440040.02
2024-08-01Keith RaboisSELL927526.9
2024-07-01Keith RaboisSELL927629.89
2024-05-01Keith RaboisSELL927632.12
2024-03-14Keith RaboisSELL927634.39
2023-12-27Michael LinfordSELL6500052
2023-12-19Michael LinfordSELL6500050
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5. Financial Statements




5.1. Latest Balance Sheet

Balance Sheet of 2024-09-30. Currency in USD. All numbers in thousands.

Summary
Total Assets10,139,159
Total Liabilities7,303,587
Total Stockholder Equity2,835,572
 As reported
Total Liabilities 7,303,587
Total Stockholder Equity+ 2,835,572
Total Assets = 10,139,159

Assets

Total Assets10,139,159
Total Current Assets2,428,239
Long-term Assets1,340,489
Total Current Assets
Cash And Cash Equivalents 1,046,160
Short-term Investments 1,073,685
Net Receivables 308,394
Total Current Assets  (as reported)2,428,239
Total Current Assets  (calculated)2,428,239
+/-0
Long-term Assets
Property Plant Equipment 473,019
Goodwill 536,745
Intangible Assets 13,459
Long-term Assets Other 260,384
Long-term Assets  (as reported)1,340,489
Long-term Assets  (calculated)1,283,607
+/- 56,882

Liabilities & Shareholders' Equity

Total Current Liabilities136,067
Long-term Liabilities7,167,520
Total Stockholder Equity2,835,572
Total Current Liabilities
Accounts payable 57,561
Other Current Liabilities 78,506
Total Current Liabilities  (as reported)136,067
Total Current Liabilities  (calculated)136,067
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)7,167,520
Long-term Liabilities  (calculated)0
+/- 7,167,520
Total Stockholder Equity
Common Stock3
Retained Earnings -3,209,226
Accumulated Other Comprehensive Income -9,122
Other Stockholders Equity 6,053,917
Total Stockholder Equity (as reported)2,835,572
Total Stockholder Equity (calculated)2,835,572
+/-0
Other
Cash and Short Term Investments 2,119,845
Common Stock Shares Outstanding 318,235
Liabilities and Stockholders Equity 10,139,159
Net Debt 6,073,748
Net Working Capital 2,292,172
Short Long Term Debt Total 7,119,908



5.2. Balance Sheets Structured

Currency in USD. All numbers in thousands.

 Trend2024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-30
> Total Assets 
0
0
0
1,402,251
2,453,483
2,708,122
4,766,389
4,866,967
5,402,099
6,952,449
7,031,726
6,973,792
7,165,060
7,804,751
7,507,849
8,155,615
8,407,149
9,064,989
9,201,426
9,519,619
10,139,159
10,139,1599,519,6199,201,4269,064,9898,407,1498,155,6157,507,8497,804,7517,165,0606,973,7927,031,7266,952,4495,402,0994,866,9674,766,3892,708,1222,453,4831,402,251000
   > Total Current Assets 
0
0
0
1,340,338
2,128,869
2,473,405
3,967,496
3,717,967
4,327,643
5,719,377
5,764,205
5,639,071
5,898,695
6,525,469
6,205,545
6,867,815
7,118,907
7,749,201
2,460,591
2,514,229
2,428,239
2,428,2392,514,2292,460,5917,749,2017,118,9076,867,8156,205,5456,525,4695,898,6955,639,0715,764,2055,719,3774,327,6433,717,9673,967,4962,473,4052,128,8691,340,338000
       Cash And Cash Equivalents 
0
0
0
267,059
684,423
520,741
1,623,672
1,466,558
1,439,531
2,567,401
2,261,937
1,255,171
1,530,132
1,440,333
972,477
892,027
1,079,261
1,036,719
1,619,691
1,295,399
1,046,160
1,046,1601,295,3991,619,6911,036,7191,079,261892,027972,4771,440,3331,530,1321,255,1712,261,9372,567,4011,439,5311,466,5581,623,672520,741684,423267,059000
       Short-term Investments 
0
0
0
0
0
0
0
0
456,266
475,379
617,023
1,595,373
1,237,291
914,923
1,059,031
1,174,653
1,021,630
914,069
547,385
865,766
1,073,685
1,073,685865,766547,385914,0691,021,6301,174,6531,059,031914,9231,237,2911,595,373617,023475,379456,26600000000
       Net Receivables 
0
0
0
1,005,804
1,342,995
1,836,615
2,160,494
2,025,335
2,195,564
2,429,195
2,471,617
2,492,891
2,701,033
3,697,109
3,735,144
4,397,592
4,553,733
5,283,894
293,515
353,064
308,394
308,394353,064293,5155,283,8944,553,7334,397,5923,735,1443,697,1092,701,0332,492,8912,471,6172,429,1952,195,5642,025,3352,160,4941,836,6151,342,9951,005,804000
       Other Current Assets 
0
0
0
71,934
105,536
137,451
307,774
371,451
279,298
335,967
472,071
368,305
430,239
3,473,404
3,599,206
403,619
464,428
514,519
398,859
350,786
55,106
55,106350,786398,859514,519464,428403,6193,599,2063,473,404430,239368,305472,071335,967279,298371,451307,774137,451105,53671,934000
   > Long-term Assets 
0
0
0
61,913
324,614
234,717
798,893
1,149,000
1,074,456
1,233,072
1,267,521
1,334,721
1,266,340
1,279,257
1,302,305
1,287,800
1,288,242
1,315,790
6,740,835
7,005,390
1,340,489
1,340,4897,005,3906,740,8351,315,7901,288,2421,287,8001,302,3051,279,2571,266,3401,334,7211,267,5211,233,0721,074,4561,149,000798,893234,717324,61461,913000
       Property Plant Equipment 
0
0
0
48,140
49,562
49,358
53,444
62,499
84,925
113,573
141,658
171,482
256,243
292,553
311,210
320,306
365,976
394,903
425,570
449,549
473,019
473,019449,549425,570394,903365,976320,306311,210292,553256,243171,482141,658113,57384,92562,49953,44449,35849,56248,140000
       Goodwill 
0
0
0
0
0
0
261,048
516,515
540,770
541,399
547,393
539,534
525,000
527,630
537,126
542,571
536,418
541,156
535,818
533,439
536,745
536,745533,439535,818541,156536,418542,571537,126527,630525,000539,534547,393541,399540,770516,515261,048000000
       Long Term Investments 
0
0
0
0
1,289,884
12,302
12,774
11,278
458,074
502,773
620,641
1,598,043
1,244,403
915,267
1,059,153
1,174,729
51,870
72,882
73,108
73,009
0
073,00973,10872,88251,8701,174,7291,059,153915,2671,244,4031,598,043620,641502,773458,07411,27812,77412,3021,289,8840000
       Intangible Assets 
0
0
0
0
0
0
18,150
67,930
71,378
66,190
60,890
78,942
71,012
63,730
48,268
34,434
19,828
17,409
15,288
13,502
13,459
13,45913,50215,28817,40919,82834,43448,26863,73071,01278,94260,89066,19071,37867,93018,150000000
       Other Assets 
0
0
0
0
64,974
175,871
277,468
502,056
2,708,278
3,053,936
3,278,211
25
25
25
-1
347,317
5,175,029
-2
0
0
6,370,431
6,370,43100-25,175,029347,317-12525253,278,2113,053,9362,708,278502,056277,468175,87164,9740000
> Total Liabilities 
0
0
0
1,769,347
1,271,498
3,057,706
2,362,368
2,285,814
3,024,741
4,484,127
4,455,671
4,355,537
4,601,622
5,294,603
4,996,713
5,621,432
5,840,349
6,430,105
6,577,966
6,787,630
7,303,587
7,303,5876,787,6306,577,9666,430,1055,840,3495,621,4324,996,7135,294,6034,601,6224,355,5374,455,6714,484,1273,024,7412,285,8142,362,3683,057,7061,271,4981,769,347000
   > Total Current Liabilities 
0
0
0
36,309
52,480
73,986
324,324
378,460
879,820
484,743
365,284
277,329
171,355
162,184
136,034
146,071
130,508
158,695
169,221
518,945
136,067
136,067518,945169,221158,695130,508146,071136,034162,184171,355277,329365,284484,743879,820378,460324,32473,98652,48036,309000
       Short-term Debt 
0
0
0
0
0
892,148
760,395
680,602
484,821
1,058,609
901,233
16,445
183,234
184,155
21,598
218,741
195,910
10,192
4,091
345,663
0
0345,6634,09110,192195,910218,74121,598184,155183,23416,445901,2331,058,609484,821680,602760,395892,14800000
       Accounts payable 
0
0
0
18,361
24,471
26,224
29,005
57,758
425,854
45,589
48,985
33,072
34,534
28,974
30,022
28,602
27,345
59,805
35,224
41,019
57,561
57,56141,01935,22459,80527,34528,60230,02228,97434,53433,07248,98545,589425,85457,75829,00526,22424,47118,361000
       Other Current Liabilities 
0
0
0
17,948
28,009
47,762
295,319
320,702
453,966
439,154
316,299
244,257
136,821
133,210
106,012
117,469
103,163
137,120
133,997
118,325
78,506
78,506118,325133,997137,120103,163117,469106,012133,210136,821244,257316,299439,154453,966320,702295,31947,76228,00917,948000
   > Long-term Liabilities 
0
0
0
1,733,038
1,219,018
2,983,720
2,038,044
1,907,354
2,144,921
3,999,384
4,090,387
4,078,208
4,430,267
5,132,419
4,860,679
5,475,361
5,709,841
6,271,410
6,408,745
6,268,685
7,167,520
7,167,5206,268,6856,408,7456,271,4105,709,8415,475,3614,860,6795,132,4194,430,2674,078,2084,090,3873,999,3842,144,9211,907,3542,038,0442,983,7201,219,0181,733,038000
       Long term Debt Total 
0
0
0
0
0
818,446
1,241,126
0
1,621,638
3,281,871
3,153,192
3,334,248
3,428,536
3,022,991
3,202,198
3,579,785
0
0
0
0
0
000003,579,7853,202,1983,022,9913,428,5363,334,2483,153,1923,281,8711,621,63801,241,126818,44600000
       Warrants
0
0
0
0
0
1,327,271
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000001,327,27100000
       Other Liabilities 
0
0
0
0
0
0
179,248
195,325
325,055
310,320
200,909
104,542
124,983
110,262
96,416
77,622
0
0
0
0
0
0000077,62296,416110,262124,983104,542200,909310,320325,055195,325179,248000000
> Total Stockholder Equity
0
0
0
-367,096
1,181,985
-349,584
2,404,021
2,581,153
2,377,358
2,468,322
2,576,055
2,618,255
2,563,438
2,510,148
2,511,136
2,534,183
2,566,800
2,634,884
2,623,460
2,731,989
2,835,572
2,835,5722,731,9892,623,4602,634,8842,566,8002,534,1832,511,1362,510,1482,563,4382,618,2552,576,0552,468,3222,377,3582,581,1532,404,021-349,5841,181,985-367,096000
   Common Stock
0
0
0
0
2
-1,327,271
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
333333333333333-1,327,27120000
   Retained Earnings Total Equity00000-2,591,247-2,385,285-2,179,608-1,857,171-1,605,902-1,419,506-1,364,835-1,205,1000-734,873-493,99900000
   Accumulated Other Comprehensive Income 
0
0
0
-302
104
1,938
4,746
6,769
2,692
4,376
7,677
-7,149
-34,223
-26,632
-22,338
-15,423
-25,205
-7,142
-17,301
-21,565
-9,122
-9,122-21,565-17,301-7,142-25,205-15,423-22,338-26,632-34,223-7,1497,6774,3762,6926,7694,7461,938104-302000
   Capital Surplus 
0
0
0
0
0
142,477
3,134,145
0
3,579,763
3,828,778
3,987,881
4,231,303
4,454,829
4,716,385
4,918,756
5,140,850
0
0
0
0
0
000005,140,8504,918,7564,716,3854,454,8294,231,3033,987,8813,828,7783,579,76303,134,145142,47700000
   Treasury Stock000000000000000000000
   Other Stockholders Equity 
0
0
0
80,373
1,660,898
142,477
-1,632,244
-1,404,205
3,579,763
3,828,778
3,987,881
4,231,303
4,454,829
4,716,385
4,918,756
5,140,850
5,355,032
5,571,955
5,704,626
5,862,555
6,053,917
6,053,9175,862,5555,704,6265,571,9555,355,0325,140,8504,918,7564,716,3854,454,8294,231,3033,987,8813,828,7783,579,763-1,404,205-1,632,244142,4771,660,89880,373000



5.3. Balance Sheets

Currency in USD. All numbers in thousands.




5.4. Cash Flows

Currency in USD. All numbers in thousands.




5.5. Income Statements

Currency in USD. All numbers in thousands.


5.6. Latest Income Statement

Income Statement (annual), 2024-06-30. Currency in USD. All numbers in thousands.

Gross Profit (+$)
totalRevenue2,322,999
Cost of Revenue-845,106
Gross Profit1,477,8931,477,893
 
Operating Income (+$)
Gross Profit1,477,893
Operating Expense-2,093,740
Operating Income-615,847-615,847
 
Operating Expense (+$)
Research Development501,857
Selling General Administrative525,291
Selling And Marketing Expenses576,405
Operating Expense2,093,7401,603,553
 
Net Interest Income (+$)
Interest Income0
Interest Expense-344,253
Other Finance Cost-0
Net Interest Income-344,253
 
Pretax Income (+$)
Operating Income-615,847
Net Interest Income-344,253
Other Non-Operating Income Expenses0
Income Before Tax (EBT)-515,527-716,167
EBIT - interestExpense = -515,527
-515,527
-173,504
Interest Expense344,253
Earnings Before Interest and Taxes (EBIT)-171,274-171,274
Earnings Before Interest and Taxes (EBITDA)-2,230
 
After tax Income (+$)
Income Before Tax-515,527
Tax Provision-2,230
Net Income From Continuing Ops-517,757-517,757
Net Income-517,757
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses2,938,846
Total Other Income/Expenses Net100,320344,253
 

Technical Analysis of Affirm
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Affirm. The general trend of Affirm is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Affirm's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Affirm Holdings Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: .

The bearish price targets are: 52.48 > 40.63 > 37.88.

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Affirm Holdings Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Affirm Holdings Inc. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Affirm Holdings Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Affirm Holdings Inc. The current macd is 5.6995688.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Affirm price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Affirm. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Affirm price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Affirm Holdings Inc Daily Moving Average Convergence/Divergence (MACD) ChartAffirm Holdings Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Affirm Holdings Inc. The current adx is 46.37.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Affirm shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Affirm Holdings Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Affirm Holdings Inc. The current sar is 72.82.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Affirm Holdings Inc Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Affirm Holdings Inc. The current rsi is 61.61. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
Affirm Holdings Inc Daily Relative Strength Index (RSI) ChartAffirm Holdings Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Affirm Holdings Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Affirm price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Affirm Holdings Inc Daily Stochastic Oscillator ChartAffirm Holdings Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Affirm Holdings Inc. The current cci is 61.72.

Affirm Holdings Inc Daily Commodity Channel Index (CCI) ChartAffirm Holdings Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Affirm Holdings Inc. The current cmo is 16.25.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Affirm Holdings Inc Daily Chande Momentum Oscillator (CMO) ChartAffirm Holdings Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Affirm Holdings Inc. The current willr is -30.9358082.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Affirm is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Affirm Holdings Inc Daily Williams %R ChartAffirm Holdings Inc Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Affirm Holdings Inc.

Affirm Holdings Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Affirm Holdings Inc. The current atr is 3.88920395.

Affirm Holdings Inc Daily Average True Range (ATR) ChartAffirm Holdings Inc Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Affirm Holdings Inc. The current obv is 837,201,317.

Affirm Holdings Inc Daily On-Balance Volume (OBV) ChartAffirm Holdings Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Affirm Holdings Inc. The current mfi is 68.88.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Affirm Holdings Inc Daily Money Flow Index (MFI) ChartAffirm Holdings Inc Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Affirm Holdings Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2024-07-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-07-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-08-01STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-08-02STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-08-06STOCH LONG EXITThe %K line crosses below the %D line.
2024-08-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-08-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-08-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-08-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-08-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-08-21WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-08-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-08-23MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-08-28STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-08-29STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-09-03STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-09-04RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-09-06SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-09-11STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-09-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-09-17STOCH LONG EXITThe %K line crosses below the %D line.
2024-09-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-09-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-09-26SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-10-01WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-10-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-10-03STOCH SHORT EXITThe %K line crosses above the %D line.
2024-10-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-10-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-10-08STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-10-09SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-10-11MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-10-14BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-10-15RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-10-17ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-10-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-10-22CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-10-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-10-25WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-10-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-10-30CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-10-31STOCH LONG EXITThe %K line crosses below the %D line.
2024-11-01CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-11-04STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-11-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-11-11STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-11-13RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-11-15STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-11-18BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-11-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-11-25STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-11-26RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-11-27STOCH SHORT EXITThe %K line crosses above the %D line.
2024-11-29MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-12-02RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-12-03STOCH SHORT EXITThe %K line crosses above the %D line.
2024-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-12-06STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-12-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Affirm Holdings Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Affirm Holdings Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5061.614
Ma 20Greater thanMa 5064.753
Ma 50Greater thanMa 10052.019
Ma 100Greater thanMa 20042.944
OpenGreater thanClose71.690
Total5/5 (100.0%)
Penke
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