Affirm Holdings, Inc. Class A Common Stock (AFRM) Valuation
Historical valuation analysis based on 500 data points (2024-09-23 to 2026-09-21)
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchan...
Affirm Holdings, Inc. Class A Common Stock (AFRM) currently trades at a P/E ratio of 64.76 (historical range: 41.51–117.96, median: 69.33), placing it at the 36th percentile — below its historical average, P/S ratio of 6.24 (range: 3.82–10.45, 39th percentile — below its historical average).
Affirm Holdings, Inc. Class A Common Stock appears undervalued relative to its historical range, with most valuation metrics below their median levels.
Historical Valuation Metrics
| Metric | Current | Min | Median | Max | Percentile | Assessment |
|---|---|---|---|---|---|---|
| P/E Ratio | 64.76 | 41.51 | 69.33 | 117.96 | 36th | below its historical average |
| P/S Ratio | 6.24 | 3.82 | 6.59 | 10.45 | 39th | below its historical average |
| FCF Yield | 0.03 | 0.02 | 0.03 | 0.05 | 61th | below its historical average |
Affirm Holdings, Inc. Class A Common Stock (AFRM) Valuation & P/E History
Affirm Holdings, Inc. Class A Common Stock (AFRM) is a US-listed stock operating in the Financial Services sector, specifically the Personal Credit Institutions industry currently trading at $71.35 with a market capitalization of $24.1 billion. This page provides historical valuation analysis for AFRM based on 500 data points covering 2024-09-23 to 2026-09-21. The P/E ratio of 64.76 is below the historical median of 69.33, placing AFRM at the 36th percentile of its valuation range. The P/S ratio of 6.24 compares to a median of 6.59.
AFRM Valuation Metrics & Historical Range
The valuation table above shows Affirm Holdings, Inc. Class A Common Stock's current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether AFRM is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests AFRM is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for Affirm Holdings, Inc. Class A Common Stock.
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is AFRM Overvalued or Undervalued?
Affirm Holdings, Inc. Class A Common Stock appears undervalued relative to its historical range, with most valuation metrics below their median levels. The overall valuation percentile of 38 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive AFRM is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full AFRM analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.AFRM trades on NYSE. This page is for informational purposes only and is not financial advice.