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Affirm HoldingsSTU:78P 81 Receivables Turnover is 4.16 as of Mar. 2026. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review. Among 296 Credit Services companies, Affirm Holdings ranks better than 57.77% on this metric.
The Receivables Turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by average Accounts Receivable. An efficient company has a higher accounts receivable turnover ratio while an inefficient company has a lower ratio. Affirm Holdings's Revenue for the
three
months ended in Mar. 2026 was $1,038.77 Mil. Affirm Holdings's average Accounts Receivable for the
three
months ended in Mar. 2026 was $249.44 Mil.
Hence, Affirm Holdings's Receivables Turnover for the
three
months ended in Mar. 2026 was 4.16.
An efficient company has a higher accounts receivable turnover ratio while an inefficient company has a lower ratio. This metric is commonly used to compare companies within the same industry to check whether they are on par with their competitors.
Affirm Holdings Receivables Turnover Related Terms
Affirm Holdings Receivables Turnover Historical Data
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The historical data trend for Affirm Holdings's Receivables Turnover 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: Receivables Turnover Comparison
For the Credit Services subindustry, Affirm Holdings's Receivables Turnover, along with its competitors' market caps and Receivables Turnover 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 Receivables Turnover vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Receivables Turnover distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's Receivables Turnover falls into.
* 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 Receivables Turnover of 4.16 as of Mar. 2026. The accounts receivables turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by Average Accounts Receivable. View historical data on Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #125 out of 296 companies in the Credit Services industry, placing it in the top 42.2%.
Is Affirm Holdings' Receivables Turnover too high?
Affirm Holdings' current Receivables Turnover is 4.16. The Credit Services industry median Receivables Turnover is 8.77. Affirm Holdings' value of 4.16 is 52.6% below this industry median. Based on the distribution chart, Affirm Holdings ranks #125 out of 296 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' Receivables Turnover compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #125 out of 296 companies for Receivables Turnover. This puts Affirm Holdings in the upper half of its industry. The industry median Receivables Turnover is 8.77. Affirm Holdings' value of 4.16 is 52.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Receivables Turnover for a Credit Services company?
The median Receivables Turnover among Credit Services companies is 8.77, based on 296 companies in the industry. Companies in the top quartile (top 25%) have a Receivables Turnover significantly above this median, while those in the bottom quartile fall well below. However, Receivables Turnover should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current Receivables Turnover of 4.16 is 52.6% below 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 Receivables Turnover mean?
A high Receivables Turnover can signal that a stock is expensive relative to its fundamentals. The accounts receivables turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by Average Accounts Receivable. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median Receivables Turnover is 8.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current Receivables Turnover is 4.16. 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 Receivables Turnover of 4.16. The current Receivables Turnover is 4.16 and 52.6% below the Credit Services industry median of 8.77. 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 Receivables Turnover calculated?
Receivables Turnover is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current Receivables Turnover is 4.16 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.
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