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Affirm HoldingsMEX:AFRM 77 EV-to-OCF is 28.85 as of Aug. 02, 2026, which is 3% below its 10-year median of 29.67. GuruFocus rates MEX:AFRM with a GF Score™ of 77/100 and a GF Value™ of MXN1,257.34 (Fairly Valued). The stock has 7 warning signs investors should review. Among 544 Credit Services companies, Affirm Holdings ranks worse than 84.56% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Affirm Holdings's Enterprise Value is MXN530,169 Mil.
Affirm Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was MXN18,375 Mil. Therefore, Affirm Holdings's EV-to-OCF for today is 28.85.
The historical rank and industry rank for Affirm Holdings's EV-to-OCF or its related term are showing as below:
MEX:AFRM'
s EV-to-OCF Range Over the Past 10 Years
Min: -365.93 Med: 29.67 Max: 877.29
Current: 30.27
During the past 7 years, the highest EV-to-OCF of Affirm Holdings was 877.29. The lowest was -365.93. And the median was 29.67.
MEX:AFRM's EV-to-OCF is ranked worse than 84.56% of 544
companies
in the Credit Services industry
Industry Median: -0.815
vs MEX:AFRM: 30.27
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Affirm Holdings EV-to-OCF Related Terms
Affirm Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's EV-to-OCF 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.
For the Credit Services subindustry, Affirm Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's EV-to-OCF falls into.
Affirm Holdings's current Enterprise Value is MXN530,169 Mil.
Affirm Holdings's Cash Flow from Operations 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 MXN18,375 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-OCF of 28.85 as of Aug. 02, 2026. This is near median its historical median of 29.67. According to the industry distribution chart, Affirm Holdings ranks #460 out of 544 companies in the Credit Services industry, placing it in the top 84.6%.
Is Affirm Holdings' EV-to-OCF too high?
Affirm Holdings' current EV-to-OCF of 28.85 is near median its 10-year median of 29.67. Based on the distribution chart, Affirm Holdings ranks #460 out of 544 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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-OCF compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #460 out of 544 companies for EV-to-OCF. This places Affirm Holdings in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Affirm Holdings's current EV-to-OCF is 28.85, which is near median its own 10-year median of 29.67. 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 EV-to-OCF is 28.85, which is near median its 10-year median of 29.67. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current EV-to-OCF is 28.85 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-OCF: 28.85 (near median its 10-year median of 29.67)
GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
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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