Affirm Holdings Inc - Asset Resilience Ratio
Affirm Holdings Inc (AFRM) has an Asset Resilience Ratio of 5.58% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Also explore AFRM asset base for the complete picture of this company's asset base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2021–2025)
This chart shows how Affirm Holdings Inc's Asset Resilience Ratio has changed over time. See AFRM equity to assets ratio to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Affirm Holdings Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market value of Affirm Holdings Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $723.38 Million | 5.58% |
| Total Liquid Assets | $723.38 Million | 5.58% |
Asset Resilience Insights
- Limited Liquidity: Affirm Holdings Inc maintains only 5.58% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Affirm Holdings Inc Industry Peers by Asset Resilience Ratio
Compare Affirm Holdings Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
SBI Cards and Payment Services Limited
NSE:SBICARD |
Credit Services | 9.38% |
|
PayPal Holdings Inc
NASDAQ:PYPL |
Credit Services | 2.94% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Five-Star Business Finance Limited
NSE:FIVESTAR |
Credit Services | 4.49% |
|
Finance of America Companies Inc
NYSE:FOA |
Credit Services | 0.29% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
Annual Asset Resilience Ratio for Affirm Holdings Inc (2021–2025)
The table below shows the annual Asset Resilience Ratio data for Affirm Holdings Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-06-30 | 7.81% | $871.42 Million | $11.15 Billion | -4.08pp |
| 2024-06-30 | 11.89% | $1.13 Billion | $9.52 Billion | -2.52pp |
| 2023-06-30 | 14.40% | $1.17 Billion | $8.16 Billion | -8.47pp |
| 2022-06-30 | 22.88% | $1.60 Billion | $6.97 Billion | +22.54pp |
| 2021-06-30 | 0.33% | $16.17 Million | $4.87 Billion | -- |
About Affirm Holdings Inc
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 cove… Read more