AFRM Relative Valuation
AFRM's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AFRM is overvalued; if below, it's undervalued.
Historical Valuation
Affirm Holdings Inc (AFRM) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of -28.30. The fair price of Affirm Holdings Inc (AFRM) is between NaN to NaN according to relative valuation methord.
Relative Value
Fair Zone
NaN-NaN
Current Price：69.64
Fair
21.00
PE
1Y
3Y
5Y
Trailing
Forward
26.36
EV/EBITDA
Affirm Holdings Inc. (AFRM) has a current EV/EBITDA of 26.36. The 5-year average EV/EBITDA is -25.08. The thresholds are as follows: Strongly Undervalued below -277.32, Undervalued between -277.32 and -151.20, Fairly Valued between 101.03 and -151.20, Overvalued between 101.03 and 227.15, and Strongly Overvalued above 227.15. The current Forward EV/EBITDA of 26.36 falls within the Historic Trend Line -Fairly Valued range.
81.63
EV/EBIT
Affirm Holdings Inc. (AFRM) has a current EV/EBIT of 81.63. The 5-year average EV/EBIT is 45.10. The thresholds are as follows: Strongly Undervalued below -678.32, Undervalued between -678.32 and -316.61, Fairly Valued between 406.81 and -316.61, Overvalued between 406.81 and 768.52, and Strongly Overvalued above 768.52. The current Forward EV/EBIT of 81.63 falls within the Historic Trend Line -Fairly Valued range.
5.38
PS
Affirm Holdings Inc. (AFRM) has a current PS of 5.38. The 5-year average PS is 7.72. The thresholds are as follows: Strongly Undervalued below -7.26, Undervalued between -7.26 and 0.23, Fairly Valued between 15.21 and 0.23, Overvalued between 15.21 and 22.69, and Strongly Overvalued above 22.69. The current Forward PS of 5.38 falls within the Historic Trend Line -Fairly Valued range.
14.75
P/OCF
Affirm Holdings Inc. (AFRM) has a current P/OCF of 14.75. The 5-year average P/OCF is 268.76. The thresholds are as follows: Strongly Undervalued below -2262.07, Undervalued between -2262.07 and -996.66, Fairly Valued between 1534.17 and -996.66, Overvalued between 1534.17 and 2799.59, and Strongly Overvalued above 2799.59. The current Forward P/OCF of 14.75 falls within the Historic Trend Line -Fairly Valued range.
15.66
P/FCF
Affirm Holdings Inc. (AFRM) has a current P/FCF of 15.66. The 5-year average P/FCF is 7.13. The thresholds are as follows: Strongly Undervalued below -361.26, Undervalued between -361.26 and -177.06, Fairly Valued between 191.33 and -177.06, Overvalued between 191.33 and 375.53, and Strongly Overvalued above 375.53. The current Forward P/FCF of 15.66 falls within the Historic Trend Line -Fairly Valued range.
Affirm Holdings Inc (AFRM) has a current Price-to-Book (P/B) ratio of 6.97. Compared to its 3-year average P/B ratio of 4.41 , the current P/B ratio is approximately 57.90% higher. Relative to its 5-year average P/B ratio of 4.26, the current P/B ratio is about 63.37% higher. Affirm Holdings Inc (AFRM) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of -0.00%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of -0.98% , the current FCF yield is about -100.00% lower.
6.87
P/B
Median3y
4.41
Median5y
4.26
3.35
FCF Yield
Median3y
-0.00
Median5y
-0.98
Competitors Valuation Multiple
The average P/S ratio for AFRM's competitors is , providing a benchmark for relative valuation. Affirm Holdings Inc Corp (AFRM) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 33.62%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of AFRM increased by 12.79% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 42.89 to 102.71.
The secondary factor is the Revenue Growth, contributed 33.62%to the performance.
Overall, the performance of AFRM in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
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What is the current FCF Yield for Affirm Holdings Inc (AFRM) as of Dec 05 2025?
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