Affirm HoldingsSTU:78P 81 Current Ratio is 56.71 as of Mar. 2026, which is 5% below its 10-year median of 59.48. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review. Among 394 Credit Services companies, Affirm Holdings ranks better than 74.11% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Affirm Holdings's current ratio for the quarter that ended in Mar. 2026 was 56.71.
Affirm Holdings has a current ratio of 56.71. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Affirm Holdings's Current Ratio or its related term are showing as below:
STU:78P'
s Current Ratio Range Over the Past 10 Years
Min: 9.15 Med: 59.48 Max: 79.89
Current: 56.71
During the past 7 years, Affirm Holdings's highest Current Ratio was 79.89. The lowest was 9.15. And the median was 59.48.
STU:78P's Current Ratio is ranked better than 74.11% of 394
companies
in the Credit Services industry
Industry Median: 4.985
vs STU:78P: 56.71
Affirm Holdings (STU:78P) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Affirm Holdings Current Ratio Related Terms
Affirm Holdings Current Ratio Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's Current Ratio 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: Current Ratio Comparison
For the Credit Services subindustry, Affirm Holdings's Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Current Ratio distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Current 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 Current Ratio of 56.71 as of Mar. 2026. This is near median its historical median of 59.48. Over the past decade, Affirm Holdings' Current Ratio has ranged from 9.15 to 79.89. According to the industry distribution chart, Affirm Holdings ranks #102 out of 394 companies in the Credit Services industry, placing it in the top 25.9%.
Is Affirm Holdings' Current Ratio too high?
Affirm Holdings' current Current Ratio of 56.71 is near median its 10-year median of 59.48. Over the past 10 years, this metric has ranged from a low of 9.15 to a high of 79.89. The Credit Services industry median Current Ratio is 4.99. Affirm Holdings' value of 56.71 is 1037.6% above this industry median. Based on the distribution chart, Affirm Holdings ranks #102 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Current Ratio compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #102 out of 394 companies for Current Ratio. This puts Affirm Holdings in the upper half of its industry. The industry median Current Ratio is 4.99. Affirm Holdings' value of 56.71 is 1037.6% above this benchmark. Historically, Affirm Holdings' own Current Ratio has ranged from 9.15 to 79.89 over the past decade. While the company's 10-year median is 59.48 vs. the industry median of 4.99, Affirm Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.99, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current Current Ratio of 56.71 is 1037.6% above 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current Current Ratio is 56.71, which is near median its own 10-year median of 59.48. 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 Current Ratio of 56.71. The current Current Ratio is 56.71, which is near median its 10-year median of 59.48 and 1037.6% above the Credit Services industry median of 4.99. Affirm Holdings' overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current Current Ratio is 56.71 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 