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Affirm Holdings Inc (AFRM) — Quality & forensics

As of 2026-11-13 — refreshed nightly. Closelooknet readings from an investment research diary, not ratings or advice.

The Closelooknet module scores

51 /100 composite · 7 modules · general weight set

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

1.89 Altman Z-Score

Sits in the grey zone (1.81–2.99). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

5/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

-2.92 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — below the −1.78 manipulation-risk threshold. A screen, not an accusation.

Continue: the AFRM chart & overview

FAQ · from the current data · as of 2026-11-13

Quick answers

What is Affirm Holdings Inc's Closelooknet quality reading?

The composite reads 51/100 across 7 modules, as of 2026-11-13: valuation 33, quality 68, growth 83, balance sheet 43, cash quality 33, capital allocation 15, momentum 49. Closelooknet scores are research diary readings, not ratings or investment advice.

What is Affirm Holdings Inc's Altman Z-Score?

1.89, which sits in the grey zone (1.81–2.99) as of 2026-11-13. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is Affirm Holdings Inc's Piotroski F-Score?

5 of 9, as of 2026-11-13. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does Affirm Holdings Inc's Beneish M-Score indicate?

-2.92 — below the −1.78 manipulation-risk threshold, as of 2026-11-13. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.

Related in the Closelooknet universe

then Credit Services. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.