AFRM (Affirm Holdings) YoY EBITDA Growth: 69.86% (As of Mar. 2026)

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AFRM Affirm Holdings Inc AFRM
83 GF Score
Price $75.25
GF Value $72.86
Valuation Fairly Valued
! 7 Warning Signs
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What is Affirm Holdings YoY EBITDA Growth?

Affirm Holdings AFRM -1.74% 83 YoY EBITDA Growth is 69.86% as of Mar. 2026. GuruFocus rates AFRM with a GF Score™ of 83/100 and a GF Value™ of $72.86 (Fairly Valued). The stock has 7 warning signs investors should review.

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months. Affirm Holdings's YoY EBITDA Growth for the quarter that ended in Mar. 2026 was 69.86%.

Affirm Holdings's EBITDA per Share for the three months ended in Mar. 2026 was $0.85.

Affirm Holdings YoY EBITDA Growth Historical Data

* Premium members only.

The historical data trend for Affirm Holdings's YoY EBITDA Growth 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.

Affirm Holdings YoY EBITDA Growth Chart

Affirm Holdings Annual Data
Trend Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
YoY EBITDA Growth
Get a 7-Day Free Trial -592.86 8.16 -6.36 99.69 29,928.57

Affirm Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
YoY EBITDA Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,883.33 63.69 349.70 29.11 69.86
AFRM
83GF Score
Affirm Holdings Inc AFRM
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Affirm Holdings YoY EBITDA Growth Calculation

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months.

Affirm Holdings's YoY EBITDA Growth for the fiscal year that ended in Jun. 2025 is calculated as:

YoY EBITDA Growth (A: Jun. 2025 )
=(EBITDA per Share (A: Jun. 2025 )-EBITDA per Share (A: Jun. 2024 ))/ | EBITDA per Share (A: Jun. 2024 ) |
=(2.088--0.007)/ | -0.007 |
=29,928.57 %

Affirm Holdings's YoY EBITDA Growth for the quarter that ended in Mar. 2026 is calculated as:

YoY EBITDA Growth (Q: Mar. 2026 )
=(EBITDA per Share (Q: Mar. 2026 )-EBITDA per Share (Q: Mar. 2025 )) / | EBITDA per Share (Q: Mar. 2025 )) |
=(0.851-0.501)/ | 0.501 |
=69.86 %

* 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.

Frequently Asked Questions Learn more about YoY EBITDA Growth →
What does a YoY EBITDA Growth of 69.86% mean?
Affirm Holdings (AFRM) has a YoY EBITDA Growth of 69.86% as of Mar. 2026. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for Affirm Holdings and its competitors.
Is Affirm Holdings' YoY EBITDA Growth too high?
Affirm Holdings' current YoY EBITDA Growth is 69.86%. Overall, Affirm Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' YoY EBITDA Growth compare to SYF and SOFI?
Affirm Holdings' YoY EBITDA Growth of 69.86% 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 YoY EBITDA Growth for a Credit Services company?
A good YoY EBITDA Growth depends on the Credit Services industry context. However, YoY EBITDA Growth 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 YoY EBITDA Growth mean?
A high YoY EBITDA Growth can signal that a stock is expensive relative to its fundamentals. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for Affirm Holdings and its competitors. Affirm Holdings's current YoY EBITDA Growth is 69.86%. 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 (AFRM) is currently considered Fairly Valued. The stock's GF Value™ is $72.86, compared to a current price of $75.25 — trading 3.3% above its estimated fair value. The current YoY EBITDA Growth is 69.86%. Affirm Holdings' overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is YoY EBITDA Growth calculated?
YoY EBITDA Growth is calculated from a company's financial statements. For Affirm Holdings (AFRM), the current YoY EBITDA Growth is 69.86% 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 (AFRM) Overvalued in 2026?

Based on GuruFocus' analysis, Affirm Holdings stock appears to be overvalued. The current stock price of $75.25 is trading 3.3% above its estimated GF Value™ of $72.86. GuruFocus considers Affirm Holdings to be Fairly Valued.

Key valuation signals for AFRM:

  • YoY EBITDA Growth: 69.86%
  • GF Value™: $72.86 vs. price of $75.25 (3.3% above fair value)
  • GF Score™: 83/100 with 7 warning signs

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

Affirm Holdings Business Description

Other Exchanges AFRM:Mexico1AFRM:Italy
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.
83GF Score

Get the complete analysis for AFRM

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

$75.25
Price
$72.86
GF Value