Profitability
Weight: 25%
D
34
- 5yr Avg ROIC -2.4%
- Operating Margin Trend +12.04 pp/yr
AFRM
Affirm Holdings, Inc.
AlphaQuality composite grade, weighted for platform & compounding fcf businesses.
⚠ 4 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a platform & compounding fcf business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
0
- 5yr Avg ROE -16.9%
- 5yr Share-Count CAGR 6.1%
Growth Quality
Weight: 25%
B
72
- 5yr Revenue CAGR 38.7%
- 5yr EPS CAGR 0.0%
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 20%
D-
32
- 5yr FCF Margin -4.1%
- 5yr FCF/NI Conversion 11.53x
Balance Sheet
Weight: 10%
F
14
- Net Debt / EBITDA 7.90x
- Interest Coverage (EBIT/Int) 1.14x
- Altman Z-Score 1.87
Stability
Weight: 5%
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%