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EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Affirm Holdings's enterprise value is MXN530,169 Mil.
Affirm Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was MXN20,400 Mil. Therefore, Affirm Holdings's EV-to-EBITDA for today is 25.99.
The historical rank and industry rank for Affirm Holdings's EV-to-EBITDA or its related term are showing as below:
MEX:AFRM'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -8359.81 Med: -12.93 Max: 260.53
Current: 27.36
During the past 7 years, the highest EV-to-EBITDA of Affirm Holdings was 260.53. The lowest was -8359.81. And the median was -12.93.
MEX:AFRM's EV-to-EBITDA is ranked worse than 59.33% of 327
companies
in the Credit Services industry
Industry Median: 21.79
vs MEX:AFRM: 27.36
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Affirm Holdings's PE Ratio (TTM) for today is calculated as:
Affirm Holdings's share price for today is MXN1240.00.
Affirm Holdings's Earnings per Share (Diluted) 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 MXN20.071.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Affirm Holdings's EV-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: EV-to-EBITDA Comparison
For the Credit Services subindustry, Affirm Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's EV-to-EBITDA falls into.
Affirm Holdings's current Enterprise Value is MXN530,169 Mil.
Affirm Holdings's EBITDA 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 MXN20,400 Mil.
* 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 (MEX:AFRM) has a EV-to-EBITDA of 25.99 as of Aug. 02, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Affirm Holdings. According to the industry distribution chart, Affirm Holdings ranks #194 out of 327 companies in the Credit Services industry, placing it in the top 59.3%.
Is Affirm Holdings' EV-to-EBITDA too high?
Affirm Holdings' current EV-to-EBITDA is 25.99. The Credit Services industry median EV-to-EBITDA is 21.79. Affirm Holdings' value of 25.99 is 19.3% above this industry median. Based on the distribution chart, Affirm Holdings ranks #194 out of 327 companies in the Credit Services industry, which is below 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' EV-to-EBITDA compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #194 out of 327 companies for EV-to-EBITDA. This places Affirm Holdings in the lower half of its industry. The industry median EV-to-EBITDA is 21.79. Affirm Holdings' value of 25.99 is 19.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.79, based on 327 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current EV-to-EBITDA of 25.99 is 19.3% above 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Affirm Holdings. For the Credit Services industry, the median EV-to-EBITDA is 21.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current EV-to-EBITDA is 25.99. 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 EV-to-EBITDA is 25.99 and 19.3% above the Credit Services industry median of 21.79. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current EV-to-EBITDA is 25.99 as of Aug. 02, 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:
EV-to-EBITDA: 25.99
GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
Industry Position: 19.3% above the Credit Services median (#194 of 327)
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
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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