Affirm Holdings (STU:78P) GF Score: 81/100 (As of Jul. 06, 2026) — 326% Above Median


What is Affirm Holdings GF Score?

Affirm Holdings STU:78P 81 GF Score is 81 as of Jul. 06, 2026, which is 326% above its 10-year median of 19.00. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review.

Affirm Holdings has the GF Score of 81, which implies that the company might have Good outperformance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 5/10
2. Profitability Rank : 4/10
3. Growth Rank : 10/10
4. GF Value Rank : 6/10
5. Momentum Rank : 7/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Affirm Holdings might have Good outperformance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Affirm Holdings  (STU:78P) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Affirm Holdings GF Score Related Terms

STU:78P vs SYF, SOFI, ALLY: GF Score Comparison

For the Credit Services subindustry, Affirm Holdings's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Affirm Holdings's GF Score distribution charts can be found below:

* The bar in red indicates where Affirm Holdings's GF Score falls into.


Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 81 mean?
Affirm Holdings (STU:78P) has a GF Score of 81 as of Jul. 06, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Affirm Holdings and its competitors. This is 326% above median its historical median of 19.00.
Is Affirm Holdings' GF Score too high?
Affirm Holdings' current GF Score of 81 is 326% above median its 10-year median of 19.00. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' GF Score compare to SYF and SOFI?
Affirm Holdings' GF Score of 81 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current GF Score is 81, which is 326% above median its own 10-year median of 19.00. 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?
Affirm Holdings (STU:78P) has a current GF Score of 81. The current GF Score is 81, which is 326% above median its 10-year median of 19.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current GF Score is 81 as of Jul. 06, 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.

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.