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Affirm HoldingsAFRM +2.64%82 Days Sales Outstanding is 21.91 as of Mar. 2026, which is 44% below its 10-year median of 39.21. GuruFocus rates AFRM with a GF Score™ of 82/100 and a GF Value™ of $73.62 (Fairly Valued). The stock has 7 warning signs investors should review. Among 292 Credit Services companies, Affirm Holdings ranks better than 57.88% on this metric.
Affirm Holdings (NAS:AFRM) Days Sales Outstanding Explanation
For retailers, when we compare Days Sales Outstanding, it is important to compare the same period in the previous years.
Affirm Holdings Days Sales Outstanding Related Terms
Affirm Holdings Days Sales Outstanding Historical Data
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The historical data trend for Affirm Holdings's Days Sales Outstanding 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.
AFRM vs SYF, SOFI, ALLY: Days Sales Outstanding Comparison
For the Credit Services subindustry, Affirm Holdings's Days Sales Outstanding, along with its competitors' market caps and Days Sales Outstanding 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 Days Sales Outstanding vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Days Sales Outstanding distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Days Sales Outstanding falls into.
Affirm Holdings Days Sales Outstanding Calculation
Days Sales Outstanding measures the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.
* 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 (AFRM) has a Days Sales Outstanding of 21.91 as of Mar. 2026. Days sales outstanding represents the average amount of days a company takes to collect receivables. View historical data on Affirm Holdings and its competitors. This is 44% below median its historical median of 39.21. Over the past decade, Affirm Holdings' Days Sales Outstanding has ranged from 26.27 to 59.51. According to the industry distribution chart, Affirm Holdings ranks #123 out of 292 companies in the Credit Services industry, placing it in the top 42.1%.
Is Affirm Holdings' Days Sales Outstanding too high?
Affirm Holdings' current Days Sales Outstanding of 21.91 is 44% below median its 10-year median of 39.21. Over the past 10 years, this metric has ranged from a low of 26.27 to a high of 59.51. The Credit Services industry median Days Sales Outstanding is 42.26. Affirm Holdings' value of 21.91 is 48.1% below this industry median. Based on the distribution chart, Affirm Holdings ranks #123 out of 292 companies in the Credit Services industry, which is above 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' Days Sales Outstanding compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #123 out of 292 companies for Days Sales Outstanding. This puts Affirm Holdings in the upper half of its industry. The industry median Days Sales Outstanding is 42.26. Affirm Holdings' value of 21.91 is 48.1% below this benchmark. Historically, Affirm Holdings' own Days Sales Outstanding has ranged from 26.27 to 59.51 over the past decade. While the company's 10-year median is 39.21 vs. the industry median of 42.26, Affirm Holdings has consistently been below 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 Days Sales Outstanding for a Credit Services company?
The median Days Sales Outstanding among Credit Services companies is 42.26, based on 292 companies in the industry. Companies in the top quartile (top 25%) have a Days Sales Outstanding significantly above this median, while those in the bottom quartile fall well below. However, Days Sales Outstanding should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current Days Sales Outstanding of 21.91 is 48.1% 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 Days Sales Outstanding mean?
A high Days Sales Outstanding can signal that a stock is expensive relative to its fundamentals. Days sales outstanding represents the average amount of days a company takes to collect receivables. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median Days Sales Outstanding is 42.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current Days Sales Outstanding is 21.91, which is 44% below median its own 10-year median of 39.21. 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 Days Sales Outstanding is 21.91, which is 44% below median its 10-year median of 39.21 and 48.1% below the Credit Services industry median of 42.26. 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 Days Sales Outstanding calculated?
Days Sales Outstanding is calculated from a company's financial statements. For Affirm Holdings (AFRM), the current Days Sales Outstanding is 21.91 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:
Days Sales Outstanding: 21.91 (44% below median its 10-year median of 39.21)
GF Value™: $73.62 vs. price of $77.03 (4.6% above fair value)
Industry Position: 48.1% below the Credit Services median (#123 of 292)
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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