Historical Valuation
Affirm Holdings Inc (AFRM) is now in the Fair zone, suggesting that its current forward PS ratio of 5.71 is considered Fairly compared with the five-year average of -27.53. The fair price of Affirm Holdings Inc (AFRM) is between 14.03 to 184.03 according to relative valuation methord.
Relative Value
Fair Zone
14.03-184.03
Current Price：81.61
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Affirm Holdings Inc (AFRM) has a current Price-to-Book (P/B) ratio of 7.41. Compared to its 3-year average P/B ratio of 4.59 , the current P/B ratio is approximately 61.22% higher. Relative to its 5-year average P/B ratio of 4.31, the current P/B ratio is about 71.73% higher. Affirm Holdings Inc (AFRM) has a Forward Free Cash Flow (FCF) yield of approximately 3.15%. Compared to its 3-year average FCF yield of 0.63%, the current FCF yield is approximately 402.50% lower. Relative to its 5-year average FCF yield of -0.91% , the current FCF yield is about -446.91% lower.
P/B
Median3y
4.59
Median5y
4.31
FCF Yield
Median3y
0.63
Median5y
-0.91
Competitors Valuation Multiple
AI Analysis for AFRM
The average P/S ratio for AFRM competitors is 3.40, providing a benchmark for relative valuation. Affirm Holdings Inc Corp (AFRM.O) exhibits a P/S ratio of 5.71, which is 68.14% above the industry average. Given its robust revenue growth of 33.62%, this premium appears sustainable.
Performance Decomposition
AI Analysis for AFRM
1Y
3Y
5Y
Market capitalization of AFRM increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of AFRM in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is AFRM currently overvalued or undervalued?
Affirm Holdings Inc (AFRM) is now in the Fair zone, suggesting that its current forward PS ratio of 5.71 is considered Fairly compared with the five-year average of -27.53. The fair price of Affirm Holdings Inc (AFRM) is between 14.03 to 184.03 according to relative valuation methord.
What is Affirm Holdings Inc (AFRM) fair value?
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. The fair price of Affirm Holdings Inc (AFRM) is between 14.03 to 184.03 according to relative valuation methord.
How does AFRM's valuation metrics compare to the industry average?
The average P/S ratio for AFRM's competitors is 3.40, providing a benchmark for relative valuation. Affirm Holdings Inc Corp (AFRM) exhibits a P/S ratio of 5.71, which is 68.14% above the industry average. Given its robust revenue growth of 33.62%, this premium appears sustainable.
What is the current P/B ratio for Affirm Holdings Inc (AFRM) as of Jan 09 2026?
As of Jan 09 2026, Affirm Holdings Inc (AFRM) has a P/B ratio of 7.41. This indicates that the market values AFRM at 7.41 times its book value.
What is the current FCF Yield for Affirm Holdings Inc (AFRM) as of Jan 09 2026?
As of Jan 09 2026, Affirm Holdings Inc (AFRM) has a FCF Yield of 3.15%. This means that for every dollar of Affirm Holdings Inc’s market capitalization, the company generates 3.15 cents in free cash flow.
What is the current Forward P/E ratio for Affirm Holdings Inc (AFRM) as of Jan 09 2026?
As of Jan 09 2026, Affirm Holdings Inc (AFRM) has a Forward P/E ratio of 22.63. This means the market is willing to pay $22.63 for every dollar of Affirm Holdings Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Affirm Holdings Inc (AFRM) as of Jan 09 2026?
As of Jan 09 2026, Affirm Holdings Inc (AFRM) has a Forward P/S ratio of 5.71. This means the market is valuing AFRM at $5.71 for every dollar of expected revenue over the next 12 months.