Profitability
Weight: 25%
D-
30
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA -4.7%
- Operating Margin Trend +12.04 pp/yr
AFRM
Affirm Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
F
0
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE -20.6%
- 5yr Share-Count CAGR 6.1%
Growth Quality
Weight: 10%
F
11
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR -15.7%
- 5yr EPS CAGR 0.0%
- Positive-EPS Years (5) 1/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 15.21x
Balance Sheet
Weight: 30%
B
75
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 27.5%
- Interest Coverage (EBIT/Int) 1.14x
Stability
Weight: 10%
A+
93
- EPS Volatility (σ/μ) 0.00
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 4 gurus held; 2 added; 1 trimmed; 2 full exits.
- Holders
- 3 -1
- Avg Δ position
- +13.5%
- New buys
- 0
- Full exits
- 2
- Mandel sold -100%
- Dalio sold -100%
- Greenblatt increased +52%