Affirm Holdings, Inc. (AFRM) – Will collaboration help AFRM compete?

Affirm Holdings, Inc. (AFRM) (Q3FY23)

Introduction

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce 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 with terms ranging from one to sixty months.

As of June 30, 2022, the company had approximately 235,000 merchants integrated on its platform 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, furniture and homewares, travel and ticketing, apparel, accessories, consumer electronics, and jewelry. 

Highlights

Affirm Holdings’ valuation has recently plummeted due to rising interest rates and inflation. However, AFRM’s partnerships with Amazon and Shopify have provided it with a competitive advantage in the BNPL space that is unlikely to be challenged in the near future.

Stock performance

Affirm Holdings stock price showed an upward trend in the past 3-months period and gave 63% returns. The stock price declined by 34% in the past 1-year. The stock has a 52-week high of $40.97 and a 52-week low of $8.62.

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Highlights

Valuation

– Enterprise Value
– CrispIdea Forecast
– CrispIdea Segment Forecast
– Peer Valuation
– CrispIdea Forecast Relative to Consensus
– Consensus History and Surprise
– Consensus Momentum

Actual & Historical Performance

– Income Statement
– Balance Sheet
– Cash Flow
– 10-Year Historical Performance
– Ratio Analysis
– Segment Performance
– Key Metrics
– Key Developments

Peer Performance

– Summary
– Profitability
– Growth
– Price Performance

Ownership

Stock Price Performance

Crispidea Coverage

No of Pages: 33

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