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BIT/1AFRM (BIT/1AFRM)

Borsa Italiana: BIT/1AFRM · EUR

€62.8

+2.80 (+4.7%)· Recorded snapshot

Market cap	22B
Revenue (ttm)	3.7B
Net income (ttm)	1.7B
EPS (ttm)	€4.97
P/E (trailing)	12.6x
P/E (forward)	17.6x

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 3.7B
Net income (ttm): 1.7B
EPS (ttm): €4.97
P/E (trailing): 12.6x
P/E (forward): 17.6x
Market cap: 22B

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-11-05
Employees	2,358
Employees change	152
Employees growth	6.89%
Enterprise value	EUR 29.5B
Exchange	Borsa Italiana
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-09-19
Fiscal year end	June
Founded	2012
Industry	Credit Services
Is primary listing	No
ISIN number	US00827B1061
Last refreshed	2026-10-28
Market cap	EUR 22B
Next earnings date	2026-11-05
Price	EUR 62.84
Price currency	EUR
Sector	Financials
SIC code	6141
Stock price date	2026-10-02
Symbol	bit/1AFRM
Website	https://www.affirm.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-11-05

Employees

2,358

Employees change

152

Employees growth

6.89%

Enterprise value

EUR 29.5B

Exchange

Borsa Italiana

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-09-19

Fiscal year end

June

Founded

2012

Industry

Credit Services

Is primary listing

ISIN number

US00827B1061

Last refreshed

2026-10-28

Market cap

EUR 22B

Next earnings date

2026-11-05

Price

EUR 62.84

Price currency

EUR

Sector

Financials

SIC code

6141

Stock price date

2026-10-02

Symbol

bit/1AFRM

Website

https://www.affirm.com

Metric	Value
Earnings yield	7.91%
EV/Earnings	17.45x
EV/EBIT	78.77x
EV/EBITDA	43.9x
EV/FCF	33.93x
EV/Sales	7.71x
FCF / EV yield	2.95%
FCF yield	3.95%
Forward P/E	17.6x
Graham number	38.56201
Graham upside	-38.63%
P/(FCF - SBC) ratio	36.55x
P/(OCF - SBC) ratio	27.15x
P/B ratio	4.59x
P/E ratio	12.64x
P/FCF ratio	25.33x
P/OCF ratio	20.43x
P/S ratio	5.9x
Price / tangible book value	5.1x
Price/EBITDA ratio	34.02x
Sector forward P/E	10.62x
Sector P/E	11.61x

Metric

Value

Earnings yield

7.91%

EV/Earnings

17.45x

EV/EBIT

78.77x

EV/EBITDA

43.9x

EV/FCF

33.93x

EV/Sales

7.71x

FCF / EV yield

2.95%

FCF yield

3.95%

Forward P/E

17.6x

Graham number

38.56201

Graham upside

-38.63%

P/(FCF - SBC) ratio

36.55x

P/(OCF - SBC) ratio

27.15x

P/B ratio

4.59x

P/E ratio

12.64x

P/FCF ratio

25.33x

P/OCF ratio

20.43x

P/S ratio

5.9x

Price / tangible book value

5.1x

Price/EBITDA ratio

34.02x

Sector forward P/E

10.62x

Sector P/E

11.61x

Metric	Value
EBIT margin	9.79%
EBITDA margin	17.35%
FCF margin	22.69%
Gross margin	48.93%
Operating margin	9.79%
Pretax margin	11.56%
Profit margin	45.29%
Profit per employee	EUR 716,348
Profitable quarters	7
Profitable years	2
Revenue per employee	EUR 1.6M
ROA	1.93%
ROA (5Y)	-4.33%
ROCE	2.68%
ROE	45.13%
ROE (5Y)	-7.65%
ROIC	3.35%
ROIC (5Y)	-9.03%
SBC / revenue	7.15%
Tax / revenue	-33.73%

Metric

Value

EBIT margin

9.79%

EBITDA margin

17.35%

FCF margin

22.69%

Gross margin

48.93%

Operating margin

9.79%

Pretax margin

11.56%

Profit margin

45.29%

Profit per employee

EUR 716,348

Profitable quarters

Profitable years

Revenue per employee

EUR 1.6M

ROA

1.93%

ROA (5Y)

-4.33%

ROCE

2.68%

ROE

45.13%

ROE (5Y)

-7.65%

ROIC

3.35%

ROIC (5Y)

-9.03%

SBC / revenue

7.15%

Tax / revenue

-33.73%

Metric	Value
EPS growth	3,515%
EPS growth (Q)	2,186.92%
EPS growth (QoQ)	1,463.78%
EPS growth quarters	12
EPS growth years	3
FCF growth	64.97%
FCF growth (Q)	875%
FCF growth (QoQ)	-29.47%
Gross profit growth	40.67%
Gross profit growth (Q)	38.58%
Gross profit growth 3Y	45.6%
Gross profit growth 5Y	37.03%
Net income growth	3,597.91%
Net income growth (Q)	2,234.66%
Net income growth (QoQ)	1,471.05%
Net income growth quarters	12
Net income growth years	3
OCF growth	55.05%
OCF growth (Q)	296.81%
OCF growth (QoQ)	-23.37%
OCF growth 3Y	365.79%
Operating income growth (Q)	153.62%
Revenue growth	32.15%
Revenue growth (Q)	33.04%
Revenue growth (QoQ)	12.24%
Revenue growth 3Y	38.96%
Revenue growth 5Y	37.39%
Revenue growth quarters	24
Revenue growth years	7

Metric

Value

EPS growth

3,515%

EPS growth (Q)

2,186.92%

EPS growth (QoQ)

1,463.78%

EPS growth quarters

EPS growth years

FCF growth

64.97%

FCF growth (Q)

875%

FCF growth (QoQ)

-29.47%

Gross profit growth

40.67%

Gross profit growth (Q)

38.58%

Gross profit growth 3Y

45.6%

Gross profit growth 5Y

37.03%

Net income growth

3,597.91%

Net income growth (Q)

2,234.66%

Net income growth (QoQ)

1,471.05%

Net income growth quarters

Net income growth years

OCF growth

55.05%

OCF growth (Q)

296.81%

OCF growth (QoQ)

-23.37%

OCF growth 3Y

365.79%

Operating income growth (Q)

153.62%

Revenue growth

32.15%

Revenue growth (Q)

33.04%

Revenue growth (QoQ)

12.24%

Revenue growth 3Y

38.96%

Revenue growth 5Y

37.39%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	EUR -208.6M
Depreciation and amortization	EUR 289.6M
EBIT	EUR 365M
EBITDA	EUR 647M
EPS	EUR 4.97
Financing cash flow	EUR 1.8B
Free cash flow	EUR 868.8M
Free cash flow minus SBC	EUR 602.2M
Gross profit	EUR 1.8B
Income taxes	EUR -1.3B
Investing cash flow	EUR -2.2B
Net borrowing	EUR 2B
Net cash flow	EUR 592.2M
Net income	EUR 1.7B
Operating cash flow minus SBC	EUR 810.8M
Operating income	EUR 365M
Revenue	EUR 3.7B
Stock-based compensation	EUR 266.7M

Metric

Value

Capital expenditures

EUR -208.6M

Depreciation and amortization

EUR 289.6M

EBIT

EUR 365M

EBITDA

EUR 647M

EPS

EUR 4.97

Financing cash flow

EUR 1.8B

Free cash flow

EUR 868.8M

Free cash flow minus SBC

EUR 602.2M

Gross profit

EUR 1.8B

Income taxes

EUR -1.3B

Investing cash flow

EUR -2.2B

Net borrowing

EUR 2B

Net cash flow

EUR 592.2M

Net income

EUR 1.7B

Operating cash flow minus SBC

EUR 810.8M

Operating income

EUR 365M

Revenue

EUR 3.7B

Stock-based compensation

EUR 266.7M

Metric	Value
Altman Z-Score	1.76
Book value per share	EUR 14.24
Debt / EBITDA	13.4
Debt / equity	1.83
Debt / FCF	10.1
Goodwill	EUR 471.4M
Interest coverage	38.71
Long-term assets	EUR 11.3B
Long-term liabilities	EUR 8.8B
Net cash (debt)	EUR -7.3B
Net cash / market cap	-33.09%
Net debt / EBITDA	11.26
Net debt / equity	1.52
Net debt / FCF	8.38
Piotroski F-Score	5
Property, plant and equipment	EUR 637M
Shareholders' equity	EUR 4.8B
Tangible book value	EUR 4.3B
Tangible book value per share	EUR 12.81
Total assets	EUR 13.8B
Total cash	EUR 1.5B
Total debt	EUR 8.8B
Total liabilities	EUR 9B

Metric

Value

Altman Z-Score

1.76

Book value per share

EUR 14.24

Debt / EBITDA

13.4

Debt / equity

1.83

Debt / FCF

10.1

Goodwill

EUR 471.4M

Interest coverage

38.71

Long-term assets

EUR 11.3B

Long-term liabilities

EUR 8.8B

Net cash (debt)

EUR -7.3B

Net cash / market cap

-33.09%

Net debt / EBITDA

11.26

Net debt / equity

1.52

Net debt / FCF

8.38

Piotroski F-Score

Property, plant and equipment

EUR 637M

Shareholders' equity

EUR 4.8B

Tangible book value

EUR 4.3B

Tangible book value per share

EUR 12.81

Total assets

EUR 13.8B

Total cash

EUR 1.5B

Total debt

EUR 8.8B

Total liabilities

EUR 9B

Metric	Value
Asset turnover	0.32
Current assets	EUR 2.6B
Current liabilities	EUR 213.4M
Current ratio	11.98
Net working capital	EUR 796.6M
Quick ratio	8.36
Working capital	EUR 2.3B
Working capital turnover	1.58

Metric

Value

Asset turnover

0.32

Current assets

EUR 2.6B

Current liabilities

EUR 213.4M

Current ratio

11.98

Net working capital

EUR 796.6M

Quick ratio

8.36

Working capital

EUR 2.3B

Working capital turnover

1.58

Metric	Value
Buyback yield / dilution	-2.29%
Shareholder yield	-2.29%

Metric

Value

Buyback yield / dilution

-2.29%

Shareholder yield

-2.29%

Metric	Value
150-day SMA	EUR 58.45
1D price change	4.66%
1M price change	2.71%
1M total return	2.71%
1W price change	2.76%
1W total return	2.76%
20-day SMA	EUR 61.19
200-day SMA	EUR 57.61
3M price change	-15.32%
3M total return	-15.32%
50-day SMA	EUR 63.67
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 77.25
52-week high date	2026-07-02
52-week low	EUR 37.25
52-week low date	2026-03-23
6M price change	58.11%
6M total return	58.11%
All-time high	EUR 77.25
All-time high date	2026-07-02
All-time low	EUR 37.25
All-time low date	2026-03-23
Average true range (ATR)	EUR 1.66
Average volume	26.8
Change from 52-week high	-18.65%
Change from 52-week low	68.72%
Change from all-time high	-18.65%
Change from all-time low	68.72%
Change from open	0%
Day's gap	4.66%
High price	EUR 62.84
Low price	EUR 62.84
Monthly RSI	0
Open price	EUR 62.84
Previous close	EUR 60.04
Price vs 150-day SMA	7.51%
Price vs 20-day SMA	2.69%
Price vs 200-day SMA	9.07%
Price vs 50-day SMA	-1.3%
Relative volume	1.83
RSI	51.62
Sharpe ratio	0.41
Sortino ratio	0.71
Weekly RSI	52.01
YTD price change	-2.57%
YTD total return	-2.57%

Metric

Value

150-day SMA

EUR 58.45

1D price change

4.66%

1M price change

2.71%

1M total return

2.71%

1W price change

2.76%

1W total return

2.76%

20-day SMA

EUR 61.19

200-day SMA

EUR 57.61

3M price change

-15.32%

3M total return

-15.32%

50-day SMA

EUR 63.67

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 77.25

52-week high date

2026-07-02

52-week low

EUR 37.25

52-week low date

2026-03-23

6M price change

58.11%

6M total return

58.11%

All-time high

EUR 77.25

All-time high date

2026-07-02

All-time low

EUR 37.25

All-time low date

2026-03-23

Average true range (ATR)

EUR 1.66

Average volume

26.8

Change from 52-week high

-18.65%

Change from 52-week low

68.72%

Change from all-time high

-18.65%

Change from all-time low

68.72%

Change from open

Day's gap

4.66%

High price

EUR 62.84

Low price

EUR 62.84

Monthly RSI

Open price

EUR 62.84

Previous close

EUR 60.04

Price vs 150-day SMA

7.51%

Price vs 20-day SMA

2.69%

Price vs 200-day SMA

9.07%

Price vs 50-day SMA

-1.3%

Relative volume

1.83

RSI

51.62

Sharpe ratio

0.41

Sortino ratio

0.71

Weekly RSI

52.01

YTD price change

-2.57%

YTD total return

-2.57%

Metric	Value
Float	283.8M
Shares change (QoQ)	0.47%
Shares change (YoY)	2.29%
Shares held by insiders	8.96%
Shares held by institutions	78.02%
Short ratio	4.1 days

Metric

Value

Float

283.8M

Shares change (QoQ)

0.47%

Shares change (YoY)

2.29%

Shares held by insiders

8.96%

Shares held by institutions

78.02%

Short ratio

4.1 days

BIT/1AFRM (BIT/1AFRM)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1AFRM

Valuation

Profitability

Balance sheet

Next earnings

Sector percentile context

All BIT/1AFRM indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1AFRM

Frequently asked questions