Event-Driven Stocks

Affirm Holdings, Inc.

AFRMNasdaq

Financials · Personal Credit Institutions · NV · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 2 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$1.11B$826.0M$626.9M$559.2M$429.4M$276.1M
Operating income−$87.3M−$615.8M−$1.20B−$866.0M−$383.7M−$107.8M
Net income$52.2M−$517.8M−$985.3M−$707.4M−$441.0M−$112.6M
Total assets$11.15B$9.52B$8.16B$6.97B$4.87B$1.40B
Total liabilities$8.09B$6.79B$5.62B$4.36B$2.29B$965.2M
Equity$3.07B$2.73B$2.53B$2.62B$2.58B−$367.1M
EPS (diluted)$0.15$-1.67$-3.34$-2.51$-2.94$-2.63
Shares out.341.0M309.9M295.3M281.7M159.2M47.9M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
−7.8%
Net margin
4.7%
Return on equity
1.7%
Return on assets
0.5%
Return on capital (ROCE)
—
Liabilities / assets
72.5%
Debt / equity
2.63×
Book value / share
$9.00
Revenue growth (YoY)
34.9%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−6.6%clean
Piotroski F-Score
6/8mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
72
/ 100
Profitability 75Growth 100Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 2 warning● 3 good
  • Operating losses (negative operating margin)
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202618.9M3.3-1.1%
Apr 30, 202619.1M3.9+3.2%
Apr 15, 202618.5M3.9+8.3%
Mar 31, 202617.1M3.1+4.9%
Mar 13, 202616.3M2.8-7.9%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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