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Affirm HoldingsMEX:AFRM 77 PE Ratio (TTM) is 61.78 as of Aug. 02, 2026, which is 32% below its 10-year median of 91.40. GuruFocus rates MEX:AFRM with a GF Score™ of 77/100 and a GF Value™ of MXN1,257.34 (Fairly Valued). The stock has 7 warning signs investors should review. Among 407 Credit Services companies, Affirm Holdings ranks worse than 89.93% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-08-02), Affirm Holdings's share price is
MXN1240.00.
Affirm Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was MXN20.07. Therefore, Affirm Holdings's PE Ratio (TTM) for today is 61.78.
The historical rank and industry rank for Affirm Holdings's PE Ratio (TTM) or its related term are showing as below:
MEX:AFRM'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 42.1 Med: 91.4 Max: 709.08
Current: 65
During the past 7 years, the highest PE Ratio (TTM) of Affirm Holdings was 709.08. The lowest was 42.10. And the median was 91.40.
MEX:AFRM's PE Ratio (TTM) is ranked worse than 89.93% of 407
companies
in the Credit Services industry
Industry Median: 13.15
vs MEX:AFRM: 65.00
During the past 7 years, Affirm Holdings's highest 3-Year average EPS without NRI Growth Rate was 17.50% per year. The lowest was -81.80% per year. And the median was -63.50% per year.
Affirm Holdings's EPS (Basic) for the
three
months ended in Mar. 2026 was MXN5.59.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was MXN20.79.
Affirm Holdings (MEX:AFRM) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Affirm Holdings PE Ratio (TTM) Related Terms
Affirm Holdings PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's PE Ratio (TTM) 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: PE Ratio (TTM) Comparison
For the Credit Services subindustry, Affirm Holdings's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Affirm Holdings's Share Price of today is MXN1240.00.
Affirm Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MXN20.07.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Affirm Holdings (MEX:AFRM) has a PE Ratio (TTM) of 61.78 as of Aug. 02, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Affirm Holdings and its competitors. This is 32% below median its historical median of 91.40. Over the past decade, Affirm Holdings' PE Ratio (TTM) has ranged from 42.10 to 709.08. According to the industry distribution chart, Affirm Holdings ranks #366 out of 407 companies in the Credit Services industry, placing it in the top 89.9%.
Is Affirm Holdings' PE Ratio (TTM) too high?
Affirm Holdings' current PE Ratio (TTM) of 61.78 is 32% below median its 10-year median of 91.40. Over the past 10 years, this metric has ranged from a low of 42.10 to a high of 709.08. The Credit Services industry median PE Ratio (TTM) is 13.15. Affirm Holdings' value of 61.78 is 369.8% above this industry median. Based on the distribution chart, Affirm Holdings ranks #366 out of 407 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' PE Ratio (TTM) compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #366 out of 407 companies for PE Ratio (TTM). This places Affirm Holdings in the lower half of its industry. The industry median PE Ratio (TTM) is 13.15. Affirm Holdings' value of 61.78 is 369.8% above this benchmark. Historically, Affirm Holdings' own PE Ratio (TTM) has ranged from 42.10 to 709.08 over the past decade. While the company's 10-year median is 91.40 vs. the industry median of 13.15, Affirm Holdings has consistently been above 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 PE Ratio (TTM) for a Credit Services company?
The median PE Ratio (TTM) among Credit Services companies is 13.15, based on 407 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current PE Ratio (TTM) of 61.78 is 369.8% above 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median PE Ratio (TTM) is 13.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current PE Ratio (TTM) is 61.78, which is 32% below median its own 10-year median of 91.40. 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 MXN1,257.34, compared to a current price of MXN1,240.00 — trading 1.4% below its estimated fair value. The current PE Ratio (TTM) is 61.78, which is 32% below median its 10-year median of 91.40 and 369.8% above the Credit Services industry median of 13.15. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current PE Ratio (TTM) is 61.78 as of Aug. 02, 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 undervalued.
The current stock price of MXN1,240.00 is trading 1.4% below its estimated GF Value™ of MXN1,257.34.
GuruFocus considers Affirm Holdings to be Fairly Valued.
Key valuation signals for MEX:AFRM:
PE Ratio (TTM): 61.78 (32% below median its 10-year median of 91.40)
GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
Industry Position: 369.8% above the Credit Services median (#366 of 407)
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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