Affirm Holdings (HAM:78P) 3-Month Share Buyback Ratio: -0.79% (As of Mar. 2026 )

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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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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.

HAM:78P Affirm Holdings Inc HAM:78P
62 GF Score
Price €68.27
GF Value €63.29
! 7 Warning Signs
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What is Affirm Holdings 3-Month Share Buyback Ratio?

Affirm Holdings HAM:78P +4.10% 62 3-Month Share Buyback Ratio is -0.79 as of Mar. 2026. GuruFocus rates HAM:78P with a GF Score™ of 62/100 and a GF Value™ of €63.29. The stock has 7 warning signs investors should review.

3-Month Share Buyback Ratio only apply to companies whose reporting frequency is 3 months.

HAM:78P
62GF Score
Affirm Holdings Inc HAM:78P
3-Month Share Buyback Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a 3-Month Share Buyback Ratio of -0.79 mean?
Affirm Holdings (HAM:78P) has a 3-Month Share Buyback Ratio of -0.79 as of Mar. 2026. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for Affirm Holdings and its competitors.
Is Affirm Holdings' 3-Month Share Buyback Ratio too high?
Affirm Holdings' current 3-Month Share Buyback Ratio is -0.79. Overall, Affirm Holdings has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' 3-Month Share Buyback Ratio compare to ?
Affirm Holdings' 3-Month Share Buyback Ratio of -0.79 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Month Share Buyback Ratio for a Credit Services company?
A good 3-Month Share Buyback Ratio depends on the Credit Services industry context. However, 3-Month Share Buyback Ratio 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 3-Month Share Buyback Ratio mean?
A high 3-Month Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for Affirm Holdings and its competitors. Affirm Holdings's current 3-Month Share Buyback Ratio is -0.79. 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 (HAM:78P) has a current 3-Month Share Buyback Ratio of -0.79. The stock's GF Value™ is €63.29, compared to a current price of €68.27 — trading 7.9% above its estimated fair value. The current 3-Month Share Buyback Ratio is -0.79. Affirm Holdings' overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Month Share Buyback Ratio calculated?
3-Month Share Buyback Ratio is calculated from a company's financial statements. For Affirm Holdings (HAM:78P), the current 3-Month Share Buyback Ratio is -0.79 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 (HAM:78P) Overvalued in 2026?

Based on GuruFocus' analysis, Affirm Holdings stock appears to be overvalued. The current stock price of €68.27 is trading 7.9% above its estimated GF Value™ of €63.29.

Key valuation signals for HAM:78P:

  • 3-Month Share Buyback Ratio: -0.79
  • GF Value™: €63.29 vs. price of €68.27 (7.9% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the HAM:78P stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Affirm Holdings Business Description

Comparable Companies
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.
62GF Score

Get the complete analysis for HAM:78P

3-Month Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€68.27
Price
€63.29
GF Value