Oversold

AFRM

Valuation50/ 100
Cash flow & growth85/ 100
Upside potential54/ 100
Risk potential51/ 100

AFRM's valuation appears fair, fundamentals are above averages and forward estimates point to earnings and revenue growth despite pressure on margins, though analyst coverage is limited and estimates vary widely.

Score change since last week

The score rose 2 points, mainly due to valuation and price changes. Price fell 7.0%, from $77.76 to $72.35. Reported EPS was unchanged, so the lower price improved valuation support.

Valuation and price changes added 2.0 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are strong. Over the past year: revenue +29.8%, operating margin +18.2 percentage points. Free cash flow is 23.7% of revenue. The business score is 85/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Business trends and outlook support upside. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 61.2% upside, or about $115.16.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure; the separate operating stress is 22.4%. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 51.4% downside, or about $34.72, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

AFRM vs Historical averages

MetricCurrentAverageRelative
PE13x149x91% lower
PE percentile051100% lower
EPS$5.52-$1.49$7.01 higher
FCF$993.1M$120M727% higher
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AFRM’s earnings and cash flow are above their historical averages, while its earnings multiple is lower.

AFRM Forward outlook

MetricOutlook
Forward valuationStrongly improving
Forward earningsStrong growth
Forward revenueStrong growth
Forward profitabilityStrongly contracting
Analyst coverageLimited
Estimate dispersionWide

AFRM’s outlook is generally improving, with narrowing profit margins the main concern.

AFRM PE Valuation

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This table applies AFRM's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

AFRM Earnings Per Share

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This chart tracks AFRM's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

AFRM Quarterly Revenue

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This chart tracks AFRM's quarterly revenue over time and shows how sales are changing from year to year.

AFRM Free Cash Flow

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This chart tracks AFRM's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

AFRM Total Shares

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This chart tracks changes in AFRM's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

AFRM Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

AFRM PE vs Technology Sector

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This chart compares AFRM's price-to-earnings (PE) ratio with the Technology sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

AFRM Weekly Price

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This chart uses AFRM's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

AFRM Weekly Moving Averages

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This chart compares AFRM's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

AFRM Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.