Affirm Holdings (STU:78P) LT-Debt-to-Total-Asset: 0.69 (As of Mar. 2026)


What is Affirm Holdings LT-Debt-to-Total-Asset?

Affirm Holdings STU:78P 81 LT-Debt-to-Total-Asset is 0.69 as of Mar. 2026. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Affirm Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.69.

Affirm Holdings's long-term debt to total assets ratio declined from Mar. 2025 (0.71) to Mar. 2026 (0.69). It may suggest that Affirm Holdings is progressively becoming less dependent on debt to grow their business.

Affirm Holdings  (STU:78P) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Affirm Holdings LT-Debt-to-Total-Asset Related Terms

Affirm Holdings LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Affirm Holdings's LT-Debt-to-Total-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.

Affirm Holdings LT-Debt-to-Total-Asset Chart

Affirm Holdings Annual Data
Trend Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.41 0.59 0.67 0.70 0.70

Affirm Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.71 0.70 0.69 0.71 0.69

Affirm Holdings LT-Debt-to-Total-Asset Calculation

Affirm Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )/Total Assets (A: Jun. 2025 )
=7853.306/11154.929
=0.70

Affirm Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=9090.749/13141.58
=0.69

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.69 mean?
Affirm Holdings (STU:78P) has a LT-Debt-to-Total-Asset of 0.69 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Affirm Holdings and its competitors.
Is Affirm Holdings' LT-Debt-to-Total-Asset too high?
Affirm Holdings' current LT-Debt-to-Total-Asset is 0.69. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' LT-Debt-to-Total-Asset compare to SYF and SOFI?
Affirm Holdings' LT-Debt-to-Total-Asset of 0.69 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current LT-Debt-to-Total-Asset is 0.69. 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 LT-Debt-to-Total-Asset of 0.69. The current LT-Debt-to-Total-Asset is 0.69. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current LT-Debt-to-Total-Asset is 0.69 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.

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.