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Affirm HoldingsMEX:AFRM 77 Equity-to-Asset is 0.29 as of Mar. 2026, which is at its 10-year median of 0.29. GuruFocus rates MEX:AFRM with a GF Score™ of 77/100 and a GF Value™ of MXN1,209.57 (Fairly Valued). The stock has 7 warning signs investors should review. Among 548 Credit Services companies, Affirm Holdings ranks worse than 58.76% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Affirm Holdings's Total Stockholders Equity for the quarter that ended in Mar. 2026 was MXN68,225 Mil. Affirm Holdings's Total Assets for the quarter that ended in Mar. 2026 was MXN236,978 Mil.
Therefore, Affirm Holdings's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.29.
The historical rank and industry rank for Affirm Holdings's Equity-to-Asset or its related term are showing as below:
MEX:AFRM'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.26 Med: 0.29 Max: 0.53
Current: 0.29
During the past 7 years, the highest Equity to Asset Ratio of Affirm Holdings was 0.53. The lowest was -0.26. And the median was 0.29.
MEX:AFRM's Equity-to-Asset is ranked worse than 58.76% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs MEX:AFRM: 0.29
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Affirm Holdings Equity-to-Asset Related Terms
Affirm Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Credit Services subindustry, Affirm Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Affirm Holdings's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.29 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Affirm Holdings and its competitors. This is near median its historical median of 0.29. According to the industry distribution chart, Affirm Holdings ranks #322 out of 548 companies in the Credit Services industry, placing it in the top 58.8%.
Is Affirm Holdings' Equity-to-Asset too high?
Affirm Holdings' current Equity-to-Asset of 0.29 is near median its 10-year median of 0.29. The Credit Services industry median Equity-to-Asset is 0.40. Affirm Holdings' value of 0.29 is 27.5% below this industry median. Based on the distribution chart, Affirm Holdings ranks #322 out of 548 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' Equity-to-Asset compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #322 out of 548 companies for Equity-to-Asset. This places Affirm Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Affirm Holdings' value of 0.29 is 27.5% below this benchmark. While the company's 10-year median is 0.29 vs. the industry median of 0.40, Affirm Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current Equity-to-Asset of 0.29 is 27.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current Equity-to-Asset is 0.29, which is near median its own 10-year median of 0.29. 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 MXN1,209.57, compared to a current price of MXN1,240.00 — trading 2.5% above its estimated fair value. The current Equity-to-Asset is 0.29, which is near median its 10-year median of 0.29 and 27.5% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current Equity-to-Asset is 0.29 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 (MEX:AFRM) Overvalued in 2026?
Based on GuruFocus' analysis, Affirm Holdings stock appears to be overvalued.
The current stock price of MXN1,240.00 is trading 2.5% above its estimated GF Value™ of MXN1,209.57.
GuruFocus considers Affirm Holdings to be Fairly Valued.
Key valuation signals for MEX:AFRM:
Equity-to-Asset: 0.29 (near median its 10-year median of 0.29)
GF Value™: MXN1,209.57 vs. price of MXN1,240.00 (2.5% above fair value)
Industry Position: 27.5% below the Credit Services median (#322 of 548)
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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