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Affirm HoldingsAFRM -1.31%83 3-Year EPS without NRI Growth Rate is 0.00% as of Mar. 2026. GuruFocus rates AFRM with a GF Score™ of 83/100 and a GF Value™ of $73.36 (Fairly Valued). The stock has 7 warning signs investors should review. Among 435 Credit Services companies, Affirm Holdings ranks worse than 229884.83% on this metric.
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 average EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Affirm Holdings was 17.50% per year. The lowest was -81.80% per year. And the median was -63.50% per year.
Affirm Holdings (NAS:AFRM) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Affirm Holdings 3-Year EPS without NRI Growth Rate Related Terms
AFRM vs SYF, SOFI, ALLY: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Affirm Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's 3-Year EPS without NRI Growth Rate falls into.
Affirm Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 0.00% mean?
Affirm Holdings (AFRM) has a 3-Year EPS without NRI Growth Rate of 0.00% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #999999 out of 435 companies in the Credit Services industry.
Is Affirm Holdings' 3-Year EPS without NRI Growth Rate too high?
Affirm Holdings' current 3-Year EPS without NRI Growth Rate is 0.00%. Based on the distribution chart, Affirm Holdings ranks #999999 out of 435 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' 3-Year EPS without NRI Growth Rate compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #999999 out of 435 companies for 3-Year EPS without NRI Growth Rate. This places Affirm Holdings in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 435 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Affirm Holdings and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current 3-Year EPS without NRI Growth Rate is 0.00%. 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 $73.36, compared to a current price of $73.56 — trading 0.3% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 0.00%. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Affirm Holdings (AFRM), the current 3-Year EPS without NRI Growth Rate is 0.00% 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 $73.56 is trading 0.3% above its estimated GF Value™ of $73.36.
GuruFocus considers Affirm Holdings to be Fairly Valued.
Key valuation signals for AFRM:
3-Year EPS without NRI Growth Rate: 0.00%
GF Value™: $73.36 vs. price of $73.56 (0.3% 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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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