AFRM (Affirm Holdings) Momentum Rank: 8 (As of Aug. 19, 2026) — Near Median

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Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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.

AFRM Affirm Holdings Inc AFRM
83 GF Score
Price $73.56
GF Value $73.31
Valuation Fairly Valued
! 7 Warning Signs
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What is Affirm Holdings Momentum Rank?

Affirm Holdings AFRM -1.31% 83 Momentum Rank is 8 as of Aug. 19, 2026, which is at its 10-year median of 8.00. GuruFocus rates AFRM with a GF Score™ of 83/100 and a GF Value™ of $73.31 (Fairly Valued). The stock has 7 warning signs investors should review.

Affirm Holdings has the Momentum Rank of 8.

Momentum Rank measures the strength and persistence of a stock's price movement over time, rated on a scale of 1 to 10.

For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.

Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.

For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.

A higher score reflects strong price momentum and indicates greater potential for superior performance. Conversely, a lower score indicates that momentum is either too high or too low, and stocks tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Affirm Holdings Momentum Rank Related Terms

AFRM vs SYF, SOFI, ALLY: Momentum Rank Comparison

For the Credit Services subindustry, Affirm Holdings's Momentum Rank, along with its competitors' market caps and Momentum Rank 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 Momentum Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Affirm Holdings's Momentum Rank distribution charts can be found below:

* The bar in red indicates where Affirm Holdings's Momentum Rank falls into.


AFRM
83GF Score
Affirm Holdings Inc AFRM
Momentum Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Momentum Rank →
What does a Momentum Rank of 8 mean?
Affirm Holdings (AFRM) has a Momentum Rank of 8 as of Aug. 19, 2026. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Affirm Holdings and its competitors. This is near median its historical median of 8.00. Over the past decade, Affirm Holdings' Momentum Rank has ranged from 5.00 to 10.00.
Is Affirm Holdings' Momentum Rank too high?
Affirm Holdings' current Momentum Rank of 8 is near median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. Overall, Affirm Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Momentum Rank compare to SYF and SOFI?
Affirm Holdings' Momentum Rank of 8 can be compared against companies in the Credit Services industry. Historically, Affirm Holdings' own Momentum Rank has ranged from 5.00 to 10.00 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 Momentum Rank for a Credit Services company?
A good Momentum Rank depends on the Credit Services industry context. However, Momentum Rank 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 Momentum Rank mean?
A high Momentum Rank can signal that a stock is expensive relative to its fundamentals. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current Momentum Rank is 8, which is near median its own 10-year median of 8.00. 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?
Based on GuruFocus' analysis, Affirm Holdings (AFRM) is currently considered Fairly Valued. The stock's GF Value™ is $73.31, compared to a current price of $73.56 — trading 0.3% above its estimated fair value. The current Momentum Rank is 8, which is near median its 10-year median of 8.00. Affirm Holdings' overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Momentum Rank calculated?
Momentum Rank is calculated from a company's financial statements. For Affirm Holdings (AFRM), the current Momentum Rank is 8 as of Aug. 19, 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 (AFRM) Overvalued in 2026?

Based on GuruFocus' analysis, Affirm Holdings stock appears to be overvalued. The current stock price of $73.56 is trading 0.3% above its estimated GF Value™ of $73.31. GuruFocus considers Affirm Holdings to be Fairly Valued.

Key valuation signals for AFRM:

  • Momentum Rank: 8 (near median its 10-year median of 8.00)
  • GF Value™: $73.31 vs. price of $73.56 (0.3% above fair value)
  • GF Score™: 83/100 with 7 warning signs

No single metric tells the full story. See the AFRM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Affirm Holdings Business Description

Other Exchanges AFRM:Mexico1AFRM:Italy
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.
83GF Score

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Momentum Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$73.56
Price
$73.31
GF Value