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During the past 12 months, Affirm Holdings's average Book Value per Share Growth Rate was 26.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 1.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Affirm Holdings was 1.20% per year. The lowest was -2.80% per year. And the median was -0.80% per year.
Affirm Holdings (NAS:AFRM) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Affirm Holdings 3-Year Book Growth Rate Related Terms
AFRM vs SYF, SOFI, ALLY: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Affirm Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Affirm Holdings 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's 3-Year Book Growth Rate falls into.
Affirm Holdings 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 1.20% mean?
Affirm Holdings (AFRM) has a 3-Year Book Growth Rate of 1.20% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #357 out of 517 companies in the Credit Services industry, placing it in the top 69.1%.
Is Affirm Holdings' 3-Year Book Growth Rate too high?
Affirm Holdings' current 3-Year Book Growth Rate is 1.20%. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Affirm Holdings' value of 1.20% is 80% below this industry median. Based on the distribution chart, Affirm Holdings ranks #357 out of 517 companies in the Credit Services industry, which is below the industry midpoint. Overall, Affirm Holdings has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' 3-Year Book Growth Rate compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #357 out of 517 companies for 3-Year Book Growth Rate. This places Affirm Holdings in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Affirm Holdings' value of 1.20% is 80% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current 3-Year Book Growth Rate of 1.20% is 80% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Affirm Holdings and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current 3-Year Book Growth Rate is 1.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affirm Holdings stock overvalued right now?
Based on GuruFocus' analysis, Affirm Holdings (AFRM) is currently considered Fairly Valued. The stock's GF Value™ is $73.62, compared to a current price of $77.03 — trading 4.6% above its estimated fair value. The current 3-Year Book Growth Rate is 1.20% and 80% below the Credit Services industry median of 6.00. Affirm Holdings' overall GF Score™ is 82/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Affirm Holdings (AFRM), the current 3-Year Book Growth Rate is 1.20% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Affirm Holdings (AFRM) Overvalued in 2026?
Based on GuruFocus' analysis, Affirm Holdings stock appears to be overvalued.
The current stock price of $77.03 is trading 4.6% above its estimated GF Value™ of $73.62.
GuruFocus considers Affirm Holdings to be Fairly Valued.
Key valuation signals for AFRM:
3-Year Book Growth Rate: 1.20%
GF Value™: $73.62 vs. price of $77.03 (4.6% above fair value)
Industry Position: 80% below the Credit Services median (#357 of 517)
No single metric tells the full story. See the AFRM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
82GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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