Affirm HoldingsSTU:78P 81 Quick Ratio is 56.71 as of Mar. 2026, which is 5% below its 10-year median of 59.48. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review. Among 394 Credit Services companies, Affirm Holdings ranks better than 74.37% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Affirm Holdings's quick ratio for the quarter that ended in Mar. 2026 was 56.71.
Affirm Holdings has a quick ratio of 56.71. It generally indicates good short-term financial strength.
The historical rank and industry rank for Affirm Holdings's Quick Ratio or its related term are showing as below:
STU:78P'
s Quick Ratio Range Over the Past 10 Years
Min: 9.15 Med: 59.48 Max: 79.89
Current: 56.71
During the past 7 years, Affirm Holdings's highest Quick Ratio was 79.89. The lowest was 9.15. And the median was 59.48.
STU:78P's Quick Ratio is ranked better than 74.37% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs STU:78P: 56.71
Affirm Holdings (STU:78P) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Affirm Holdings Quick Ratio Related Terms
Affirm Holdings Quick Ratio Historical Data
* Premium members only.
The historical data trend for Affirm Holdings's Quick 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.
STU:78P vs SYF, SOFI, ALLY: Quick Ratio Comparison
For the Credit Services subindustry, Affirm Holdings's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Affirm Holdings's Quick Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 (STU:78P) has a Quick Ratio of 56.71 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Affirm Holdings and its competitors. This is near median its historical median of 59.48. Over the past decade, Affirm Holdings' Quick Ratio has ranged from 9.15 to 79.89. According to the industry distribution chart, Affirm Holdings ranks #101 out of 394 companies in the Credit Services industry, placing it in the top 25.6%.
Is Affirm Holdings' Quick Ratio too high?
Affirm Holdings' current Quick Ratio of 56.71 is near median its 10-year median of 59.48. Over the past 10 years, this metric has ranged from a low of 9.15 to a high of 79.89. The Credit Services industry median Quick Ratio is 4.86. Affirm Holdings' value of 56.71 is 1068.1% above this industry median. Based on the distribution chart, Affirm Holdings ranks #101 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Quick Ratio compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #101 out of 394 companies for Quick Ratio. This puts Affirm Holdings in the upper half of its industry. The industry median Quick Ratio is 4.86. Affirm Holdings' value of 56.71 is 1068.1% above this benchmark. Historically, Affirm Holdings' own Quick Ratio has ranged from 9.15 to 79.89 over the past decade. While the company's 10-year median is 59.48 vs. the industry median of 4.86, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current Quick Ratio of 56.71 is 1068.1% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current Quick Ratio is 56.71, which is near median its own 10-year median of 59.48. 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 Quick Ratio of 56.71. The current Quick Ratio is 56.71, which is near median its 10-year median of 59.48 and 1068.1% above the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current Quick Ratio is 56.71 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.
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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:78P has been successfully added to your 