GURUFOCUS.COM » STOCK LIST » Technology » Software » Affirm Holdings Inc (NAS:AFRM) » Definitions » Moat Score

AFRM (Affirm Holdings) Moat Score : 5/10 (As of Jul. 07, 2025)


View and export this data going back to 2021. Start your Free Trial

What is Affirm Holdings Moat Score?

Affirm Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Affirm Holdings has Narrow Moat: Affirm Holdings Inc benefits from network effects and customer switching costs in the fintech space. Its brand is gaining recognition, and it has a solid distribution network. However, the competitive landscape is intense, limiting its ability to establish a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Affirm Holdings might have Narrow Moat - Solid narrow moat.

Competitive Comparison of Affirm Holdings's Moat Score

For the Software - Infrastructure subindustry, Affirm Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Affirm Holdings's Moat Score Distribution in the Software Industry

For the Software industry and Technology sector, Affirm Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Affirm Holdings's Moat Score falls into.


;
;

Affirm Holdings  (NAS:AFRM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Affirm Holdings Moat Score Related Terms

Thank you for viewing the detailed overview of Affirm Holdings's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

Affirm Holdings Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Technology » Software » Affirm Holdings Inc (NAS:AFRM) » Definitions » Moat Score
Comparable Companies
IOT CPAY CHKP NTNX CYBR TWLO TOST GDDY GEN OKTA MSFT ORCL PLTR PANW CRWD FTNT SNPS CRWV NET XAMS:ADYEN
Traded in Other Exchanges
AFRM:Mexico
Address
650 California Street, San Francisco, CA, USA, 94108
Website
https://www.affirm.com
Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks, and through virtual card networks among others. Geographically, it generates a majority share of its revenue from the United States.
Executives
Keith Rabois director C/O YELP! INC., 706 MISSION ST., SAN FRANCISCO CA 94103
Noel Bertram Watson director 400 1ST AVENUE, C/O TRIPADVISOR, INC., NEEDHAM MA 02494
Christa S Quarles director 351 PHELPS, IRVING TX 75038
Michael Linford officer: Chief Financial Officer 3000 HANOVER STREET, PALO ALTO CA 94304
Libor Michalek officer: President, Technology C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108
Katherine Adkins officer: Chief Legal Officer C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108
Gic Private Ltd 10 percent owner 168 ROBINSON ROAD, #37-01 CAPITAL TOWER, SINGAPORE U0 068912
Rodriquez Manuel Sanchez director C/O FANNIE MAE, 1100 15TH STREET, NW, WASHINGTON DC 20005
Jenny J Ming director
Jacqueline D Reses director C/O SQUARE, INC., 1455 MARKET STREET #600, SAN FRANCISCO CA 94103
James D White director C/O CAVA GROUP, INC., 202-400-2920 14 RIDGE SQUARE NW, SUITE 5, WASHINGTON DC 20016
Jeremy Philips director C/O TRIPADVISOR, INC., 141 NEEDHAM STREET, NEWTON MA 02464
Jeremy Liew director 2200 SAND HILL ROAD, MENLO PARK CA 94025
Siphelele Jiyane officer: Vice President, Controller C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108
Silvija Martincevic officer: Chief Commercial Officer C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO CA 94108