Affirm HoldingsSTU:78P 81 EBIT per Share is $3.45 as of Mar. 2026. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review. Among 312 Credit Services companies, Affirm Holdings ranks worse than 320512.5% on this metric.
Affirm Holdings's EBIT per Share for the
three
months ended in Mar. 2026 was $0.91.
Its EBIT per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $3.45.
During the past 12 months, the average EBIT per Share Growth Rate of Affirm Holdings was 278.50% per year.
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 EBIT per Share growth rate using EBIT per Share data.
The historical rank and industry rank for Affirm Holdings's EBIT per Share or its related term are showing as below:
During the past 7 years, the highest 3-Year average EBIT per Share Growth Rate of Affirm Holdings was 25.60% per year. The lowest was -110.00% per year. And the median was -80.10% per year.
STU:78P's 3-Year EBIT Growth Rate is not ranked *
in the Credit Services industry.
Industry Median: 10.05 * Ranked among companies with meaningful 3-Year EBIT Growth Rate only.
Affirm Holdings's EBIT for the
three
months ended in Mar. 2026 was $221.14 Mil.
Affirm Holdings (STU:78P) EBIT per Share Explanation
EBIT is a company's earnings before interest and tax expenses are deducted. It measures a company's profit generates from operating, ignoring tax burden and capital structure. As the tax expense are not deducted, EBIT is helpful when comparing companies in the same industry but with different tax situations. Also, the interest expense are included in EBIT, making it useful to compare companies that have high interest expenses due to large amount of debt.
Affirm Holdings EBIT per Share Related Terms
Affirm Holdings EBIT per Share Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's EBIT per Share 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.
EBIT per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.45
* 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 EBIT per Share of $3.45 as of Mar. 2026. EBIT per Share is the amount of Earnings Before Interest and Taxes per outstanding share of the company's stock. View historical data on Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #999999 out of 312 companies in the Credit Services industry.
Is Affirm Holdings' EBIT per Share too high?
Affirm Holdings' current EBIT per Share is $3.45. The Credit Services industry median EBIT per Share is 10.05. Affirm Holdings' value of $3.45 is 65.7% below this industry median. Based on the distribution chart, Affirm Holdings ranks #999999 out of 312 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' EBIT per Share compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #999999 out of 312 companies for EBIT per Share. This places Affirm Holdings in the lower half of its industry. The industry median EBIT per Share is 10.05. Affirm Holdings' value of $3.45 is 65.7% 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 EBIT per Share for a Credit Services company?
The median EBIT per Share among Credit Services companies is 10.05, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EBIT per Share significantly above this median, while those in the bottom quartile fall well below. However, EBIT per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current EBIT per Share of $3.45 is 65.7% 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 EBIT per Share mean?
A high EBIT per Share can signal that a stock is expensive relative to its fundamentals. EBIT per Share is the amount of Earnings Before Interest and Taxes per outstanding share of the company's stock. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median EBIT per Share is 10.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current EBIT per Share is $3.45. 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 EBIT per Share of $3.45. The current EBIT per Share is $3.45 and 65.7% below the Credit Services industry median of 10.05. 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 EBIT per Share calculated?
EBIT per Share is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current EBIT per Share is $3.45 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 