Affirm Holdings, Inc. (AFRM) P/E Ratio History
ExpensiveTrading at 454.1x vs 5Y avg 159.5x · 80th percentile · Material premium to history · Data 2025–2026
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P/E Ratio Analysis
As of November 8, 2026, Affirm Holdings, Inc. (AFRM) trades at a price-to-earnings ratio of 454.1x, with a stock price of $68.11 and trailing twelve-month earnings per share of $5.52.
The current P/E is 185% above its 5-year average of 159.5x. Over the past five years, AFRM's P/E has ranged from a low of 14.8x to a high of 539.7x, placing the current valuation at the 80th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.1x, AFRM trades at a 3129% premium to its sector peers. The sector includes 819 companies with P/E ratios ranging from 0.0x to 196.1x.
Relative to the broader market, AFRM commands a significant premium over the S&P 500 median P/E of 26.3x. 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.
AFRM Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
AFRM P/E vs Peers
Card Issuers and Fintech Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $5B | 40.2 | - | +70% | |
| $2B | 48.6 | 3.39 | +131% | |
| $2B | 17.3 | - | +156%Best | |
| $21B | 41.6 | - | +0% | |
| $52B | 11.0 | 1.24Best | +36% | |
| $12B | 16.1 | - | +32% | |
| $6B | 8.6Lowest | 2.18 | +55% | |
| $6B | 14.1 | 1.43 | +89% | |
| $193B | 158.4 | 5.40 | -39% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
AFRM Historical P/E Data (2025–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q4 | - | $81.55 | $5.52 | 14.8x | -91% |
| FY2026 Q3 | - | $45.82 | $1.10 | 41.7x | -74% |
| FY2026 Q2 | Dec 31 2025 | $74.43 | $0.81 | 92.1x | -42% |
| FY2026 Q1 | - | $73.08 | $0.67 | 109.4x | -31% |
| FY2025 Q4 | Jun 30 2025 | $69.14 | $0.13 | 539.7x | +238% |
Average P/E for displayed period: 159.5x
AFRM Chart Terminal
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Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
AFRM — Frequently Asked Questions
Quick answers to the most common questions about buying AFRM stock.
What is AFRM's P/E ratio?
Affirm Holdings, Inc. (AFRM) trailing twelve-month P/E ratio is 454.1x, based on TTM diluted EPS of $5.52. The 5-year average P/E is 159.5x and the historical range spans 14.8x to 539.7x.
Is AFRM stock overvalued or undervalued?
AFRM trades at 454.1x P/E, above its 5-year average of 159.5x. The 80th percentile ranking within the 14.8x–539.7x historical range indicates a premium to historical valuation.
Is AFRM stock expensive?
Yes, AFRM is expensive relative to its own history. The current P/E of 454.1x is above the 5-year average of 159.5x and also above the Financial Services sector median of 14.1x. The stock sits at the 80th percentile of its 5-year valuation range.
What is AFRM's historical P/E range?
Over the past 5 years, AFRM's P/E ratio has ranged from 14.8x to 539.7x, with a median of 92.1x and an average of 159.5x. The current P/E of 454.1x places the stock at the 80th percentile of this range. Full historical data spans 2025–2026.
How does AFRM's P/E compare to the S&P 500?
AFRM trades at 454.1x P/E versus the S&P 500 median of 26.3x. The 1627% premium to the market typically reflects higher expected earnings growth or quality.
How does AFRM's valuation compare to Financial Services peers?
Affirm Holdings, Inc. P/E of 454.1x compares to the Financial Services sector median of 14.1x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is AFRM's PEG ratio?
AFRM PEG ratio is N/A, based on a P/E of 454.1x and EPS growth of 109.0%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is AFRM's earnings yield?
AFRM earnings yield is 0.22%, the inverse of its 454.1x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.