Affirm Holdings (MEX:AFRM) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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.

MEX:AFRM Affirm Holdings Inc MEX:AFRM
77 GF Score
Price MXN1,240.00
GF Value MXN1,257.34
Valuation Fairly Valued
! 7 Warning Signs
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What is Affirm Holdings Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Affirm Holdings Quality Rank Related Terms

MEX:AFRM
77GF Score
Affirm Holdings Inc MEX:AFRM
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Quality Rank:
  • GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
  • GF Score™: 77/100 with 7 warning signs

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.

Affirm Holdings Business Description

Other Exchanges AFRM:USA1AFRM: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.
77GF Score

Get the complete analysis for MEX:AFRM

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

MXN1,240.00
Price
MXN1,257.34
GF Value