Three independent discounted-cash-flow-style models value Affirm Holdings, Inc. every trading day. 0 of 3 currently price AFRM above its market price.
| Free Cash Flow model | $-254.75 |
| Excess Profit model | $-167.39 |
| Residual Earnings model | $-0.37 |
| Dividend Discount model | — |
| Piotroski F-Score | 5 / 9 |
| Return on invested capital | +4.4% |
| Net debt / EBITDA | 7.8× |
| Gross margin | +68.1% |
| Revenue CAGR | +39.0% |
| Cash conversion | 0.6× |
| Dividend yield | — |
| Buyback yield | -3.7% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open AFRM in StockKitty