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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Affirm Holdings's Debt-to-EBITDA or its related term are showing as below:
MEX:AFRM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -2966.08 Med: -6.88 Max: 11.03
Current: 8.14
During the past 7 years, the highest Debt-to-EBITDA Ratio of Affirm Holdings was 11.03. The lowest was -2966.08. And the median was -6.88.
MEX:AFRM's Debt-to-EBITDA is ranked better than 53.17% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs MEX:AFRM: 8.14
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Affirm Holdings Debt-to-EBITDA Related Terms
Affirm Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's Debt-to-EBITDA 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.
MEX:AFRM vs SYF, SOFI, ALLY: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Affirm Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Affirm Holdings (MEX:AFRM) has a Debt-to-EBITDA of 7.67 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Affirm Holdings. According to the industry distribution chart, Affirm Holdings ranks #133 out of 284 companies in the Credit Services industry, placing it in the top 46.8%.
Is Affirm Holdings' Debt-to-EBITDA too high?
Affirm Holdings' current Debt-to-EBITDA is 7.67. The Credit Services industry median Debt-to-EBITDA is 9.20. Affirm Holdings' value of 7.67 is 16.6% below this industry median. Based on the distribution chart, Affirm Holdings ranks #133 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, Affirm Holdings has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Debt-to-EBITDA compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #133 out of 284 companies for Debt-to-EBITDA. This puts Affirm Holdings in the upper half of its industry. The industry median Debt-to-EBITDA is 9.20. Affirm Holdings' value of 7.67 is 16.6% 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.20, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current Debt-to-EBITDA of 7.67 is 16.6% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Affirm Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current Debt-to-EBITDA is 7.67. 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 (MEX:AFRM) is currently considered Fairly Valued. The stock's GF Value™ is MXN1,257.34, compared to a current price of MXN1,240.00 — trading 1.4% below its estimated fair value. The current Debt-to-EBITDA is 7.67 and 16.6% below the Credit Services industry median of 9.20. Affirm Holdings' overall GF Score™ is 77/100 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-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current Debt-to-EBITDA is 7.67 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 (MEX:AFRM) Overvalued in 2026?
Based on GuruFocus' analysis, Affirm Holdings stock appears to be undervalued.
The current stock price of MXN1,240.00 is trading 1.4% below its estimated GF Value™ of MXN1,257.34.
GuruFocus considers Affirm Holdings to be Fairly Valued.
Key valuation signals for MEX:AFRM:
Debt-to-EBITDA: 7.67
GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
Industry Position: 16.6% below the Credit Services median (#133 of 284)
No single metric tells the full story. See the MEX: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.
77GF Score
Get the complete analysis for MEX:AFRM
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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