Valuation dashboard for Affirm Holdings, Inc. (AFRM) with P/E 13.31, P/B 4.75, EV/EBITDA 23.42 and dividend yield 0.00%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users.
Analysis Summary
Affirm Holdings, Inc. reported revenue of $3.95B in the most recent fiscal year, growing at a 5-year CAGR of 35.3%.
Trailing-twelve-month margins: gross margin 68.1%, operating margin 15.5%, net margin 46.1%.
At $73.47 (closing price, October 30, 2026), AFRM trades at a P/E of 13.31 and an ROE of 47.91%. Market capitalisation stands at $21.9B, placing it among large-cap names.
Balance sheet quality for AFRM: current ratio of 12.7. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 13.31 |
| Price / Book | 4.75 |
| EV / EBITDA | 23.42 |
| Dividend Yield | 0.00% |
Valuation Models
| DCF Fair Value | $-94.93 |
| vs Current Price | -229.2% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | $21.9B | 13.31 | 4.75 | 47.9% |
| UPST | Upstart Holdings, Inc. | $2.2B | 45.01 | 2.91 | 7.9% |
| PYPL | PayPal Holdings, Inc. | $47.4B | 10.88 | 2.48 | 23.8% |
| COF | Capital One Financial Corporation | $125.7B | 12.09 | 1.12 | 9.7% |
| ALLY | Ally Financial Inc. | $11.6B | 8.75 | 0.79 | 9.7% |
| SOFI | SoFi Technologies, Inc. | $21.6B | 30.47 | 2.31 | 6.8% |
| SEZL | Sezzle Inc. | $4.6B | 29.44 | 20.28 | 85.6% |
| SYF | Synchrony Financial | $24.5B | 7.87 | 1.42 | 20.0% |
Price
| Price | $73.47 (closing price, October 30, 2026) |
| Market Cap | $21.9B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 47.91% |
| Return on Invested Capital | 11.60% |
| Return on Assets | 12.22% |
| Gross Margin | 68.15% |
| Operating Margin | 15.50% |
| Net Margin | 46.11% |
Related companies: UPST · PYPL · COF · ALLY · SOFI · SEZL · SYF · BFH
Explore sector: Financial Services · Financial - Credit Services
More sections of AFRM: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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