Is Affirm Holdings, Inc. (AFRM) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 47.8% | |
| Operating Margin | 10.5% | |
| Net Margin | 7.6% | |
| Return on Equity (ROE) | 8.9% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $794M |
| Free Cash Flow | $602M |
| Total Debt | $7.9B |
| Debt-to-Equity | 258.9 |
| Current Ratio | 13.8 |
| Total Assets | $11.2B |
Price & Trading
| Last Close | $43.85 |
| 50-Day MA | $54.53 |
| 200-Day MA | $68.69 |
| Avg Volume | 6.4M |
| Beta | 3.7 |
|
52-Week Range
$30.90
| |
About Affirm Holdings, Inc. (AFRM)
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
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Frequently Asked Questions
Is Affirm Holdings, Inc. (AFRM) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Affirm Holdings, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Affirm Holdings, Inc.'s debt ratio?
Affirm Holdings, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Affirm Holdings, Inc.'s key financial metrics?
Affirm Holdings, Inc. has a market capitalization of $14.2B, trailing P/E ratio of 52.5, and revenue of $3.2B. The company maintains a gross margin of 47.8% and a net margin of 7.6%. Return on equity stands at 8.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.