Affirm Holdings, Inc. (AFRM) P/E Ratio History
Historical price-to-earnings valuation from 2025 to 2026
Loading P/E history...
Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of March 1, 2026, Affirm Holdings, Inc. (AFRM) trades at a price-to-earnings ratio of 313.2x, with a stock price of $46.98 and trailing twelve-month earnings per share of $0.81.
The current P/E is 27% above its 5-year average of 247.1x. Over the past five years, AFRM's P/E has ranged from a low of 92.1x to a high of 539.7x, placing the current valuation at the 67th percentile of its historical range.
Compared to the Technology sector median P/E of 25.2x, AFRM trades at a 1141% premium to its sector peers. The sector includes 345 companies with P/E ratios ranging from 0.0x to 199.1x.
Relative to the broader market, AFRM commands a significant premium over the S&P 500 median P/E of 26.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our AFRM DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
Peer Comparison
P/E metrics vs. Payments and fintech infrastructure peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
XYZBlock, Inc. | $38B | 30.3 | 0.83 | -54% |
CPAYCorpay, Inc. | $23B | 23.3 | 3.30 | +6% |
AFRMAffirm Holdings, Inc. | $15B | 313.2 | - | +109% |
TOSTToast, Inc. | $14B | 48.8 | - | +1639%Best |
KSPIJoint Stock Company Kaspi.kz | $13B | 6.5Lowest | 0.16Best | +24% |
WEXWEX Inc. | $5B | 19.9 | 1.23 | +22% |
KLARKlarna Group plc | $5B | 2023.9 | - | +101% |
ACIWACI Worldwide, Inc. | $4B | 18.4 | 0.65 | +13% |
RELYRemitly Global, Inc. | $3B | 53.9 | - | +263% |
EEFTEuronet Worldwide, Inc. | $3B | 10.8 | - | +17% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q2 | Wed Dec 31 2025 00:00:00 GM | $74.43 | $0.81 | 92.1x | -63% |
| FY2026 Q1 | $73.08 | $0.67 | 109.4x | -56% | |
| FY2025 Q4 | Mon Jun 30 2025 00:00:00 GM | $69.14 | $0.13 | 539.7x | +118% |
Average P/E for displayed period: 247.1x
See AFRM's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs AFRM Undervalued?
See our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationCompare AFRM vs NVDA
See how AFRM stacks up against sector leader NVIDIA Corporation.
Start ComparisonFrequently Asked Questions
Is AFRM stock overvalued or undervalued?
AFRM trades at 313.2x P/E, above its 5-year average of 247.1x. The 67th percentile ranking indicates a premium to historical valuation.
How does AFRM's valuation compare to peers?
Affirm Holdings, Inc. P/E of 313.2x compares to sector median of 25.2x. The premium reflects expected growth above peers.
What is AFRM's PEG ratio?
AFRM PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2025-2026.