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Affirm HoldingsSTU:78P 81 3-Year ROIIC % is 22.49 as of Jun. 2025. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 6 warning signs investors should review. Among 392 Credit Services companies, Affirm Holdings ranks better than 84.95% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Affirm Holdings's 3-Year ROIIC % for the quarter that ended in Jun. 2025 was 22.49%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Affirm Holdings's 3-Year ROIIC % or its related term are showing as below:
STU:78P's 3-Year ROIIC % is ranked better than 84.95% of 392
companies
in the Credit Services industry
Industry Median: 2.76
vs STU:78P: 22.49
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Affirm Holdings 3-Year ROIIC % Related Terms
Affirm Holdings 3-Year ROIIC % Historical Data
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The historical data trend for Affirm Holdings's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Affirm Holdings's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Affirm Holdings (STU:78P) has a 3-Year ROIIC % of 22.49 as of Jun. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #59 out of 392 companies in the Credit Services industry, placing it in the top 15.1%.
Is Affirm Holdings' 3-Year ROIIC % too high?
Affirm Holdings' current 3-Year ROIIC % is 22.49. The Credit Services industry median 3-Year ROIIC % is 2.76. Affirm Holdings' value of 22.49 is 714.9% above this industry median. Based on the distribution chart, Affirm Holdings ranks #59 out of 392 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' 3-Year ROIIC % compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #59 out of 392 companies for 3-Year ROIIC %. This places Affirm Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.76. Affirm Holdings' value of 22.49 is 714.9% 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current 3-Year ROIIC % of 22.49 is 714.9% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current 3-Year ROIIC % is 22.49. 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 3-Year ROIIC % of 22.49. The current 3-Year ROIIC % is 22.49 and 714.9% above the Credit Services industry median of 2.76. Affirm Holdings' overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current 3-Year ROIIC % is 22.49 as of Jun. 2025. 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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