Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Affirm Holdings's book value per share for the quarter that ended in Mar. 2026 was $15.59.
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 book value growth rate using book value per share data.
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's current price is $0.00. Its book value per share for the quarter that ended in Mar. 2026 was $15.59. Hence, today's PB Ratio of Affirm Holdings is 0.00.
During the past 7 years, the highest P/B Ratio of Affirm Holdings was 19.19. The lowest was 1.04. And the median was 4.84.
Affirm Holdings (STU:78P) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Affirm Holdings Book Value per Share Related Terms
Affirm Holdings Book Value per Share Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:78P vs SYF, SOFI, ALLY: Book Value per Share Comparison
For the Credit Services subindustry, Affirm Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Affirm Holdings (STU:78P) has a Book Value per Share of $15.59 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Affirm Holdings and its competitors.
Is Affirm Holdings' Book Value per Share too high?
Affirm Holdings' current Book Value per Share is $15.59. Overall, Affirm Holdings has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Book Value per Share compare to SYF and SOFI?
Affirm Holdings' Book Value per Share of $15.59 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Credit Services company?
A good Book Value per Share depends on the Credit Services industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current Book Value per Share is $15.59. 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?
Affirm Holdings (STU:78P) has a current Book Value per Share of $15.59. The current Book Value per Share is $15.59. 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 Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current Book Value per Share is $15.59 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.
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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:78P has been successfully added to your 
