Affirm HoldingsSTU:78P 81 PB Ratio is 0.00 as of Jul. 11, 2026. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review. Among 523 Credit Services companies, Affirm Holdings ranks worse than 95.98% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-11), Affirm Holdings's share price is $0.00. Affirm Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was $15.59. Hence, Affirm Holdings's PB Ratio of today is 0.00.
The historical rank and industry rank for Affirm Holdings's PB Ratio or its related term are showing as below:
STU:78P'
s PB Ratio Range Over the Past 10 Years
Min: 1.04 Med: 4.82 Max: 19.19
Current: 7.41
During the past 7 years, Affirm Holdings's highest PB Ratio was 19.19. The lowest was 1.04. And the median was 4.82.
STU:78P's PB Ratio is ranked worse than 95.98% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs STU:78P: 7.41
During the past 12 months, Affirm Holdings's average Book Value Per Share Growth Rate was 26.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.20% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Affirm Holdings was 1.20% per year. The lowest was -2.80% per year. And the median was -0.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Affirm Holdings PB Ratio Related Terms
Affirm Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Affirm Holdings's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Affirm Holdings (STU:78P) has a PB Ratio of 0.00 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Affirm Holdings and its competitors. Over the past decade, Affirm Holdings' PB Ratio has ranged from 1.04 to 19.19. According to the industry distribution chart, Affirm Holdings ranks #502 out of 523 companies in the Credit Services industry, placing it in the top 96%.
Is Affirm Holdings' PB Ratio too high?
Affirm Holdings' current PB Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 1.04 to a high of 19.19. Based on the distribution chart, Affirm Holdings ranks #502 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' PB Ratio compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #502 out of 523 companies for PB Ratio. This places Affirm Holdings in the lower half of its industry. The industry median PB Ratio is 1.06. Historically, Affirm Holdings' own PB Ratio has ranged from 1.04 to 19.19 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current PB Ratio is 0.00. 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 PB Ratio of 0.00. The current PB Ratio is 0.00. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current PB Ratio is 0.00 as of Jul. 11, 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.
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.
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