Affirm Holdings (MEX:AFRM) ROCE %: 6.88% (As of Mar. 2026)

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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 ROCE %?

Affirm Holdings MEX:AFRM 77 ROCE % is 6.88% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Affirm Holdings's annualized ROCE % for the quarter that ended in Mar. 2026 was 6.88%.

Affirm Holdings  (MEX:AFRM) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Affirm Holdings ROCE % Related Terms

Affirm Holdings ROCE % Historical Data

* Premium members only.

The historical data trend for Affirm Holdings's ROCE % 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.

Affirm Holdings ROCE % Chart

Affirm Holdings Annual Data
Trend Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROCE %
Get a 7-Day Free Trial -12.32 -11.32 -10.00 -2.02 4.84

Affirm Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.34 6.41 6.84 8.06 6.88
MEX:AFRM
77GF Score
Affirm Holdings Inc MEX:AFRM
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Affirm Holdings ROCE % Calculation

Affirm Holdings's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=9168.22/( ( (174400.401 - 2289.262) + (210038.389 - 3391.101) )/ 2 )
=9168.22/( (172111.139+206647.288)/ 2 )
=9168.22/189379.2135
=4.84 %

Affirm Holdings's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=15950.86/( ( (233298.036 - 3086.357) + (236978.17 - 3698.903) )/ 2 )
=15950.86/( ( 230211.679 + 233279.267 )/ 2 )
=15950.86/231745.473
=6.88 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 6.88% mean?
Affirm Holdings (MEX:AFRM) has a ROCE % of 6.88% as of Mar. 2026.
Is Affirm Holdings' ROCE % too high?
Affirm Holdings' current ROCE % is 6.88%. The Credit Services industry median ROCE % is 3.60. Affirm Holdings' value of 6.88% is 91.1% above this industry median. 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' ROCE % compare to SYF and SOFI?
Affirm Holdings' ROCE % of 6.88% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.60. Affirm Holdings' value of 6.88% is 91.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.60, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current ROCE % of 6.88% is 91.1% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current ROCE % is 6.88%. 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 ROCE % is 6.88% and 91.1% above the Credit Services industry median of 3.60. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Affirm Holdings (MEX:AFRM), the current ROCE % is 6.88% 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.

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:

  • ROCE %: 6.88%
  • GF Value™: MXN1,257.34 vs. price of MXN1,240.00 (1.4% below fair value)
  • GF Score™: 77/100 with 7 warning signs
  • Industry Position: 91.1% above the Credit Services median

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

ROCE % 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