Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Affirm HoldingsMEX:AFRM 77 PS Ratio is 6.13 as of Aug. 02, 2026, which is 2% above its 10-year median of 6.02. 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 524 Credit Services companies, Affirm Holdings ranks worse than 72.71% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Affirm Holdings's share price is MXN1240.00.
Affirm Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was MXN202.15. Hence, Affirm Holdings's PS Ratio for today is 6.13.
The historical rank and industry rank for Affirm Holdings's PS Ratio or its related term are showing as below:
MEX:AFRM'
s PS Ratio Range Over the Past 10 Years
Min: 1.77 Med: 6.02 Max: 43.29
Current: 6.46
During the past 7 years, Affirm Holdings's highest PS Ratio was 43.29. The lowest was 1.77. And the median was 6.02.
MEX:AFRM's PS Ratio is ranked worse than 72.71% of 524
companies
in the Credit Services industry
Industry Median: 2.855
vs MEX:AFRM: 6.46
During the past 12 months, the average Revenue per Share Growth Rate of Affirm Holdings was 22.10% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 25.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 25.20% per year.
During the past 7 years, Affirm Holdings's highest 3-Year average Revenue per Share Growth Rate was 56.10% per year. The lowest was 11.10% per year. And the median was 27.90% per year.
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Affirm Holdings PS Ratio Related Terms
Affirm Holdings PS Ratio Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's PS Ratio distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Affirm Holdings's Share Price of today is MXN1240.00. Affirm Holdings's Revenue per Share 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 MXN202.15.
* 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:
Affirm Holdings (MEX:AFRM) has a PS Ratio of 6.13 as of Aug. 02, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Affirm Holdings and its competitors. This is near median its historical median of 6.02. Over the past decade, Affirm Holdings' PS Ratio has ranged from 1.77 to 43.29. According to the industry distribution chart, Affirm Holdings ranks #381 out of 524 companies in the Credit Services industry, placing it in the top 72.7%.
Is Affirm Holdings' PS Ratio too high?
Affirm Holdings' current PS Ratio of 6.13 is near median its 10-year median of 6.02. Over the past 10 years, this metric has ranged from a low of 1.77 to a high of 43.29. The Credit Services industry median PS Ratio is 2.86. Affirm Holdings' value of 6.13 is 114.7% above this industry median. Based on the distribution chart, Affirm Holdings ranks #381 out of 524 companies in the Credit Services industry, which is below the industry midpoint. 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' PS Ratio compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #381 out of 524 companies for PS Ratio. This places Affirm Holdings in the lower half of its industry. The industry median PS Ratio is 2.86. Affirm Holdings' value of 6.13 is 114.7% above this benchmark. Historically, Affirm Holdings' own PS Ratio has ranged from 1.77 to 43.29 over the past decade. While the company's 10-year median is 6.02 vs. the industry median of 2.86, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.86, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current PS Ratio of 6.13 is 114.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median PS Ratio is 2.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current PS Ratio is 6.13, which is near median its own 10-year median of 6.02. 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 PS Ratio is 6.13, which is near median its 10-year median of 6.02 and 114.7% above the Credit Services industry median of 2.86. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current PS Ratio is 6.13 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:
PS Ratio: 6.13 (near median its 10-year median of 6.02)
GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
Industry Position: 114.7% above the Credit Services median (#381 of 524)
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
Get the complete analysis for MEX:AFRM
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:AFRM has been successfully added to your 
