Affirm Holdings, Inc. (AFRM) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Affirm Holdings, Inc. (AFRM) scores 6.3 out of 10 as of , computed from its reported financial statements. That reads as solid quality. The reading rests on profitability, and predictability is what holds it back.
2 pillars, solvency and growth, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Affirm Holdings, Inc.’s filings do not show enough of the signs a moat leaves: 1 of 3 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
Affirm Holdings, Inc. (AFRM) has a Lemma Quality Score of 6.3 out of 10 as of October 16, 2026, which reads as solid quality. A solid reading is a respectable business with clear strengths and at least one area that falls short of the best in its field. Five pillars feed it, and every one of them is computed from what the company reported rather than from its share price.
Among the 261 Financials companies with a published score, that ranks at the 67th percentile, in the upper half of the group, short of the top quarter. For reference, the middle of the group scores 5.9 and a company needs 6.8 to reach its top quarter, which leaves Affirm Holdings, Inc. in line with the median.
Affirm Holdings, Inc.’s profitability score is 9.4 out of 10 (strong). Against a median of 6.8 among 255 Financials companies, that is well above the group and the 98th percentile. Returns and margins at this level leave room to reinvest, absorb a bad year or return cash to shareholders without straining the business.
There is no solvency score for Affirm Holdings, Inc.: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 140 Financials companies the median for this pillar is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
There is no growth score for Affirm Holdings, Inc.: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 241 Financials companies the median for this pillar is 4.6. Growth needs at least three years of comparable annual statements, so a short or interrupted history leaves it blank.
Efficiency scores 6.1 out of 10, which reads as average. The median across 211 Financials companies is 5.8, so Affirm Holdings, Inc. is in line with its peers on this pillar and ranks at the 59th percentile. Efficiency near the median says the operation is neither unusually lean nor unusually capital hungry.
Affirm Holdings, Inc.’s predictability score is 2.7 out of 10 (weak). Against a median of 4.9 among 256 Financials companies, that is well below the group and the 17th percentile. When results are this uneven, the averages behind the other pillars hide a lot of movement, and a longer history tells more than the latest year.
This is a lopsided profile. Profitability scores 9.4 but predictability only 2.7, a gap of 6.7 points, so the overall hides a business that is excellent in one respect and weak in another. Leading with profitability is the most valuable kind of strength, because margins and returns are what the other pillars ultimately feed. A predictability shortfall means the record is volatile, so the averages behind the other pillars move more than they appear to.
Closing the gap on predictability would do the most for the overall. At the median of Financials companies, 4.9, Affirm Holdings, Inc. would score about 7.0 instead of 6.3. Only three of the five pillars could be scored. Together they carry 60 of the 100 weight points (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and the overall is the weighted average of those alone.
These are the Financials companies closest to Affirm Holdings, Inc. in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Affirm Holdings, Inc. scores 6.3 out of 10, which reads as solid quality. Its strongest pillar is profitability, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Affirm Holdings, Inc. ranks at the 67th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Affirm Holdings, Inc.’s 6.3.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for AFRM are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
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