Affirm Holdings (FRA:78P) 3-Year EBITDA Growth Rate: 0.00% (As of Jun. 2026)

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FRA:78P Affirm Holdings Inc FRA:78P
61 GF Score
Price €59.96
GF Value €66.15
Valuation Modestly Undervalued
! 9 Warning Signs
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What is Affirm Holdings 3-Year EBITDA Growth Rate?

Affirm Holdings FRA:78P +3.63% 61 3-Year EBITDA Growth Rate is 0.00% as of Jun. 2026. GuruFocus rates FRA:78P with a GF Score™ of 61/100 and a GF Value™ of €66.15 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 329 Credit Services companies, Affirm Holdings ranks worse than 303951.06% on this metric.

Affirm Holdings's EBITDA per Share for the three months ended in Jun. 2026 was €0.93.

During the past 12 months, Affirm Holdings's average EBITDA Per Share Growth Rate was 71.60% 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 average EBITDA per share growth rate.

During the past 8 years, the highest 3-Year average EBITDA Per Share Growth Rate of Affirm Holdings was 85.60% per year. The lowest was -89.20% per year. And the median was -71.30% per year.

Affirm Holdings  (FRA:78P) 3-Year EBITDA Growth Rate Explanation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Affirm Holdings 3-Year EBITDA Growth Rate Related Terms

FRA:78P vs SYF, SOFI, ALLY: 3-Year EBITDA Growth Rate Comparison

For the Credit Services subindustry, Affirm Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Affirm Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:

* The bar in red indicates where Affirm Holdings's 3-Year EBITDA Growth Rate falls into.


FRA:78P
61GF Score
Affirm Holdings Inc FRA:78P
3-Year EBITDA Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
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Affirm Holdings 3-Year EBITDA Growth Rate Calculation

This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.

What does a 3-Year EBITDA Growth Rate of 0.00% mean?
Affirm Holdings (FRA:78P) has a 3-Year EBITDA Growth Rate of 0.00% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #999999 out of 329 companies in the Credit Services industry.
Is Affirm Holdings' 3-Year EBITDA Growth Rate too high?
Affirm Holdings' current 3-Year EBITDA Growth Rate is 0.00%. Based on the distribution chart, Affirm Holdings ranks #999999 out of 329 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Affirm Holdings has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' 3-Year EBITDA Growth Rate compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #999999 out of 329 companies for 3-Year EBITDA Growth Rate. This places Affirm Holdings in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 10.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 10.60, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Affirm Holdings and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 10.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current 3-Year EBITDA 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 (FRA:78P) is currently considered Modestly Undervalued. The stock's GF Value™ is €66.15, compared to a current price of €59.96 — trading 9.4% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 0.00%. Affirm Holdings' overall GF Score™ is 61/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Affirm Holdings (FRA:78P), the current 3-Year EBITDA Growth Rate is 0.00% as of Jun. 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 (FRA:78P) Overvalued in 2026?

Based on GuruFocus' analysis, Affirm Holdings stock appears to be undervalued. The current stock price of €59.96 is trading 9.4% below its estimated GF Value™ of €66.15. GuruFocus considers Affirm Holdings to be Modestly Undervalued.

Key valuation signals for FRA:78P:

  • 3-Year EBITDA Growth Rate: 0.00%
  • GF Value™: €66.15 vs. price of €59.96 (9.4% below fair value)
  • GF Score™: 61/100 with 9 warning signs

No single metric tells the full story. See the FRA:78P stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Affirm Holdings Business Description

Address 650 California Street, San Francisco, CA, USA, 94108
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.
61GF Score

Get the complete analysis for FRA:78P

3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€59.96
Price
€66.15
GF Value