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The historical data trend for Affirm Holdings's Debt-to-Asset 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.
For the Credit Services subindustry, Affirm Holdings's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Debt-to-Asset distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Debt-to-Asset 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 (AFRM) has a Debt-to-Asset of 0.69 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Affirm Holdings and its competitors.
Is Affirm Holdings' Debt-to-Asset too high?
Affirm Holdings' current Debt-to-Asset is 0.69. Overall, Affirm Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Debt-to-Asset compare to SYF and SOFI?
Affirm Holdings' Debt-to-Asset of 0.69 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 Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current Debt-to-Asset is 0.69. 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 $72.86, compared to a current price of $75.25 — trading 3.3% above its estimated fair value. The current Debt-to-Asset is 0.69. Affirm Holdings' overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Affirm Holdings (AFRM), the current Debt-to-Asset is 0.69 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 $75.25 is trading 3.3% above its estimated GF Value™ of $72.86.
GuruFocus considers Affirm Holdings to be Fairly Valued.
Key valuation signals for AFRM:
Debt-to-Asset: 0.69
GF Value™: $72.86 vs. price of $75.25 (3.3% above fair value)
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.
83GF Score
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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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