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Friday 6 November 2026 Export AFRM’s income statement to Excel — free account

Affirm Holdings, Inc.

AFRM Financial Credit Services

Affirm Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $4.3 billion, up 32.2% from fiscal 2025.

Revenue
+35.2%
EPS
+100.0%
Free cash flow
−54.9%
Total debt
+27.8%

Quarter to September 2026, against a year earlier

68.41 1.25 −1.79%
Market cap
$23.6B
P/E
11.8×
Fwd P/E
36.6×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Affirm Holdings, Inc. (AFRM) valuation and DCF model

What the price implies · reverse DCF

Affirm Holdings, Inc. is not valued here: a bank or insurer is valued on its dividend, and it pays none.

Valuation against its own history

Today’s multiple against its 5- and 10-year averages and the industry median (Credit Services).

Multiple Current 5Y avg 10Y avg vs 10Y avg Industry median vs industry 10Y range
P/E 11.76× 152.72× 152.72× 92% below 8.96× 31% above
P/FCF 29.23× 31.41× 31.41× 7% below 2.55× 1047% above
P/B 4.15× 4.32× 3.95× 5% above 1.23× 237% above
EV/EBITDA — 79.52× 79.52× — 3.38× —
EV/Sales — 6.29× 8.11× — 3.90× —
P/E P/FCF P/B EV/Sales
20.61×144.36×268.11×391.86×10Y avg 152.72×202520262026

AFRM trades at 11.76× P/E, against a 10-year average of 152.72× (range 11.76×–432.13×). That is cheaper than 100% of the last 2 year-end readings; re-rating to the average implies $888.50 per share.

Every growth rate on this page is the business’s — its cash flow, FFO or dividend — never its share price’s. A discounted-cash-flow model is only as good as its assumptions. Figures from the 10-K and 10-Q filings. Not investment advice.