어펌 홀딩스(AFRM) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is 어펌 홀딩스(AFRM)?

어펌 홀딩스(AFRM) belongs to the Financial sector and operates in the Credit Services industry.

Q: What is the market cap of AFRM?

The market cap of AFRM is approximately $23.5B, ranking 551 within its sector.

Q: What is the P/E ratio of AFRM?

AFRM has a P/E ratio of approximately 63.8x, which can be used to assess its valuation relative to the Financial sector average.

Q: What is the 52-week high and low for AFRM?

AFRM has recorded a 52-week high of $100.00 and a low of $42.10.

AFRM

Affirm Holdings Inc

7월 27일 2:43 PM ET (한국 7/28 03:43)

$70.23

-0.98 ▼ -1.38%

어펌 홀딩스(AFRM) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$23.5B

미드캡

P/E

63.8

고평가 구간

배당수익률

없음

52주 위치

49%

저점 +67% · 고점 -30%

애널리스트

매수

B+

Fundamental health

vs. Credit Services

수익성

Top 53%

성장

Top 17%

밸류에이션

Top 9%

재무 안정

Top 21%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 1년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 62원. Over the past 1년, it usually traded around 89원. On the cheaper side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.· based on 1.1 profitable years

Index ⓘ	-	P/E ⓘ	63.82	EPS (ttm) ⓘ	1.1	Insider Own ⓘ	16.01%	Shs Outstand ⓘ	294.2M	Perf Week ⓘ	-7.68%
Market Cap ⓘ	23.52B	Forward P/E ⓘ	39.01	EPS next Y ⓘ	43.87%	Insider Trans ⓘ	-0.19%	Shs Float ⓘ	281.3M	Perf Month ⓘ	-9.57%
Enterprise Value ⓘ	29.46B	PEG ⓘ	0.25	EPS next Q ⓘ	0.35	Inst Own ⓘ	76.45%	Short Float ⓘ	6.87%	Perf Quarter ⓘ	11.51%
Income ⓘ	0.38B	P/S ⓘ	6.4	EPS this Y ⓘ	734.17%	Inst Trans ⓘ	1.21%	Short Ratio ⓘ	4.11	Perf Half Y ⓘ	-3.58%
Sales ⓘ	3.68B	P/B ⓘ	6.22	EPS next 5Y ⓘ	158.27%	ROA ⓘ	3.24%	Short Interest ⓘ	19.33M	Perf YTD ⓘ	-5.64%
Book/sh ⓘ	11.3	P/C ⓘ	7.92	EPS past 3/5Y ⓘ	-	ROE ⓘ	11.49%	52W High ⓘ	-29.77% ($100.00)	Perf Year ⓘ	6.7%
Cash/sh ⓘ	8.86	P/FCF ⓘ	29.85	Sales past 3/5Y ⓘ	37.58% 53.66%	ROIC ⓘ	3.01%	52W Low ⓘ	66.84% ($42.10)	Perf 3Y ⓘ	311.42%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	16.55	EPS Y/Y TTM ⓘ	674.5%	Gross Margin ⓘ	76.52%	Volatility(W/M) ⓘ	3.19% 4.48%	Perf 5Y ⓘ	19.66%
Dividend TTM ⓘ	-	EV/Sales ⓘ	8.02	Sales Y/Y TTM ⓘ	32.33%	Oper. Margin ⓘ	20.96%	ATR (14) ⓘ	3.64	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	15.31	EPS Q/Q ⓘ	3549.38%	Profit Margin ⓘ	10.4%	RSI (14) ⓘ	37.55	Recom ⓘ	1.64
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	15.31	Sales Q/Q ⓘ	33.75%	SMA20 ⓘ	-12.13% ($79.92)	Beta ⓘ	3.71	Target Price ⓘ	$93.54
Payout ⓘ	-	Debt/Eq ⓘ	2.36	Earnings ⓘ	2026/5/7	SMA50 ⓘ	-4.3% ($73.39)	Rel Volume ⓘ	0.55	Prev Close ⓘ	$71.21
Employees ⓘ	2206	LT Debt/Eq ⓘ	2.35	EPS/Sales Surpr. ⓘ	76.06% 4.37%	SMA200 ⓘ	6.12% ($66.18)	Avg Volume(3M) ⓘ	4.70M	Price ⓘ	$70.23
IPO ⓘ	2021/1/13	Option/Short ⓘ	Yes/Yes			Trades ⓘ	28766	Volume ⓘ	2,606,212	Change ⓘ	-1.38%

Quarterly earnings trend SEC filings · USD

24.6*

24.9

24.12

25.3

25.6*

25.9

25.12

26.3

Revenue Net income 최근 분기: 매출 $334M (YoY +23%) · 순이익 $103M (YoY +3570%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Affirm Holdings Inc (AFRM) Investment Analysis

What kind of company is Affirm Holdings Inc?

어펌 홀딩스(AFRM) 초고성장주

Financial · Credit Services

#551 by Market Cap — Mid-Cap

💳 Affirm Holdings (AFRM) is a leading U.S. financial technology company that offers buy now, pay later (BNPL) solutions, allowing consumers to split purchases into installments with interest included or at AI-driven interest rates at the point of sale. The company supports payment convenience between merchants and consumers based on transparent and fixed payment terms.

Learn more about Affirm Holdings Inc →

Market Cap

$23.5B

Approx. KRW 32.2 trillion

⚖️ 8% of Samsung Electronics

Market Cap Rank551

Employees2,206people

IPO2021/01/13

Current Price$70.23 ≈ 96,215원

NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 5월 7일 (목) · 장 마감 후 EPS +76.1% 매출 +4.4%

🔔 Earnings release 2026년 2월 5일 (목) · 장 마감 후 EPS +38.4% 매출 +6.4%

Is it profitable?

Financial health solid

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

21.0%

✓ 양호

My positionMid-range

Low range Average High range

Credit Services Median 20.2% · Top 49%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

10.4%

✓ 평균

My positionMid-range

Low range Average High range

Credit Services Median 10.6% · Bottom 50%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

76.5%

✓ 양호

My positionMid-range

Low range Average High range

Credit Services Median 73.7% · Top 44%

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROE

Annual return earned on shareholders' equity (15%+ is strong)

11.5%

✓ 평균

My positionMid-range

Low range Average High range

Financial 대형주 Median 12.6% · Bottom 40%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

3.2%

✓ 양호

My positionMid-range

Low range Average High range

Financial 대형주 Median 1.5% · Top 34%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

3.0%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 대형주 Median 7.1% · Bottom 17%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

2.36

✓ Average

My positionMid-range

Low range Average High range

Credit Services Median 1.64

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

15.31

✓ 우수

My positionTop 25%

Low range Average High range

Credit Services Median 2.08

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

15.31

✓ 우수

My positionTop 25%

Low range Average High range

Credit Services Median 1.96

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$93.54

현재가 대비 +33.2%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

39.01배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

0.25

저평가

💡 PEG < 1 — 성장 대비 저렴

내년 EPS 예상 성장률

+43.9%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+158.3%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Volatility

Frequently misses analyst estimates

예상 상회

예상 부합

예상 하회

상회 비율

-14.5%

평균 서프라이즈

2026.05.07

하회

실적 $0.62 · 예상 $0.73 -15.0%

2026.02.05

하회

실적 $0.72 · 예상 $0.84 -13.9%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+734.2%

우수

My positionTop 5%

Low range Average High range

초고성장주 대형주 Median 47.1% · Top tier

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+43.9%

양호

My positionMid-range

Low range Average High range

초고성장주 대형주 Median 32.1% · Top 31%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+158.3%

우수

My positionTop 5%

Low range Average High range

초고성장주 대형주 Median 36.4% · Top tier

📊 How much has it grown? (actual results)

Past 5-Year Revenue

How much revenue grew over the past 5 years

+53.7%

우수

My positionTop 25%

Low range Average High range

초고성장주 대형주 Median 28.9% · Top 17%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+33.8%

양호

My positionMid-range

Low range Average High range

초고성장주 대형주 Median 25.3% · Top 39%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -48%p below the market

AFRM +19.7% · S&P 500 +68.0%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-48.3%p

Significantly behind the market

1-year basis

vs S&P 500

-9.8%p

slightly behind the market

Current position within 52-week range

Low (-66.8%p) High (-29.8%p)

Current price is 66.8% above the 52-week low and 29.8% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-31.6%

Annualized volatility

62.3%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔵

Current diagnosis · 2026-07-24

Oversold zone — rebound potential

Current price $70.23 fell below the lower band ($70.78). Selling pressure excessive; worth watching for a short-term bounce. Below the Ichimoku cloud (bearish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🔴

Current diagnosis · 2026-07-24

Bearish momentum holding

MACD -0.305 < Signal 1.561 in negative zone + Hist negative (-1.866). Weakness in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴

Current diagnosis · 2026-07-24

Bearish zone

RSI 37.6 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 2.2.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Earnings·Vs. Assets·Vs. Sales·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Pricey

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

63.82x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Credit Services median 11.51x · Bottom 1% — expensive within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

39.01x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Credit Services median 7.95x · Bottom 1% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

6.22x

✓ Pricey

My positionBottom 25%

Low range Average High range

Credit Services median 1.42x · Bottom 10% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

6.40x

✓ Pricey

My positionBottom 25%

Low range Average High range

Credit Services median 1.29x · Bottom 18% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

EV/EBITDA Enterprise Value Multiple

Total enterprise value ÷ operating cash earnings — a benchmark for M&A

16.55x

✓ Pricey

My positionBottom 25%

Low range Average High range

Credit Services median 9.53x · Bottom 24% — expensive within the industry

💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

29.85x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Credit Services median 5.05x · Bottom 1% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$93.54 vs. current price +33.2%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Credit Services

Who owns it?

Ownership is broadly stable

Insider modest net selling -0.2% · Institutional net buying +1.2% · Short interest moderate 6.9% · Short interest up +0.5pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-0.2%

Insiders net selling

🏦 Institutions (funds & investors)

+1.2%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 76.5%

Adequate institutional weight

Financial 대형주 Median 77.0%

🧑‍💼 Insiders 16.0%

Founder/management large holders (strong skin-in-the-game)

Financial 대형주 Median 0.8%

👤 Retail investors (estimated) 7.5%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

6.9%

Moderate

Financial 대형주 Median 2.6%

Past 90 days 📈 +0.5%p increase

Short interest days to cover

4.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 294.2M주

Float (tradable shares) 281.3M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding AFRM

ETFs with the highest weightings · 10 total shown

ULTI

REX IncomeMax Option Strategy ETF

5.24%

$27M

FINX

Global X Funds Global X FinTech ETF

Advent Convertible Bond ETF

2.45%

$32M

CGVV

Capital Group U.S. Large Value ETF

1.88%

$135M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
AFRM This Stock	$23.5B	63.8 ▼	6.2 ▼	11.49% ▲	-	-1.4%
BRK-A	$963.8B	14.8 ▼	1.5 ▼	10.49% ▲	-	+1.1%
BRK-B	$960.9B	14.7 ▼	1.5 ▼	10.49% ▲	-	+0.8%
JPM	$946.4B	15.1 ▼	2.7 ▼	17.71% ▲	1.81% ▼	+0.9%
V	$670.3B	31.3 ▼	19.1 ▼	59.8% ▲	0.76% ▼	+1.2%
MA	$476.8B	31.2 ▼	71.2 ▼	232.56% ▲	0.64% ▼	+1.8%
Sector Avg	-	13.6	1.3	9.13%	2.62%	-

Derivative ETFs for AFRM

Leveraged, inverse, and covered call ETFs based on the underlying asset

1 derivative ETFs based on AFRM (Leverage 1)

These are based on the same underlying asset but carry a completely different risk and return profile. Please review the warning below first.

ℹ️ What is a Derivative ETF?

These are special ETFs that amplify, reverse, or monetize the price movement of an underlying ETF or security. Leveraged ETFs aim for 2–3× the daily move, Inverse ETFs target opposite-direction returns, and Covered Call ETFs generate monthly income from option premiums.

⚠️ Caution: Long-Term Holding

Leveraged and inverse ETFs track only the daily return. With high volatility, holding them for longer periods causes cumulative volatility decay—returns diverge further from the underlying index. They are meant for short-term trading.

📈 Leverage 1 ETFs that move 2-3x with AFRM (high volatility)