AFRM
Affirm Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: AFRM
- PE Ratio
As of Oct 13, 2026, the Affirm Holdings stock's PE ratio is 13.52. This takes into account the latest EPS of $5.76 and stock price of $77.89. The PE ratio marks a decrease of 78% from its last 4 quarters average of 61.1.
AFRM PE ratio history
The PE ratio of Affirm Holdings has averaged 135.32 over the last two years. The current P/E ratio of 13.52 is 90% lower than the historical average. Looking back at the last two years, AFRM's PE ratio peaked in the Jun 2025 quarter at 432.13, when the price was $69.14 and the EPS was $0.16. The lowest point was in the Jun 2026 quarter, when it reached 14.16 with a price of $81.55 and an EPS of $5.76.
Affirm Holdings PE ratio by year
Maximum annual decrease: -96.72% in 2026
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2026 | 14.16 | -96.72% | $81.55 | $5.76 |
| 2025 | 432.13 | N/A | $69.14 | $0.16 |
| 2024 | N/A | N/A | $30.21 | -$1.67 |
| 2023 | N/A | N/A | $15.33 | -$3.34 |
| 2022 | N/A | N/A | $18.06 | -$2.51 |
| 2021 | N/A | N/A | $67.35 | -$2.78 |
| 2020 | N/A | N/A | N/A | -$2.63 |
| 2019 | N/A | N/A | N/A | -$2.84 |
Affirm Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Jun 2026 | 14.16 | -64.46% | $81.55 | $5.76 |
| Mar 2026 | 39.84 | -54.5% | $45.82 | $1.15 |
| Dec 2025 | 87.56 | -14.93% | $74.43 | $0.85 |
| Sep 2025 | 102.93 | -76.18% | $73.08 | $0.71 |
| Jun 2025 | 432.13 | N/A | $69.14 | $0.16 |
| Mar 2025 | N/A | N/A | $45.19 | -$0.19 |
| Dec 2024 | N/A | N/A | $60.9 | -$0.63 |
| Sep 2024 | N/A | N/A | $40.82 | -$1.42 |
| Jun 2024 | N/A | N/A | $30.21 | -$1.67 |
| Mar 2024 | N/A | N/A | $37.26 | -$2.23 |
| Dec 2023 | N/A | N/A | $49.14 | -$2.49 |
| Sep 2023 | N/A | N/A | $21.27 | -$3.05 |
| Jun 2023 | N/A | N/A | $15.33 | -$3.34 |
| Mar 2023 | N/A | N/A | $11.27 | -$3.3 |
| Dec 2022 | N/A | N/A | $9.67 | -$2.8 |
AFRM Price vs fair value
AFRM average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
AFRM's current PE ratio is lower than its 3 and 5-year averages.
PE comparison
Affirm Holdings's price to earnings (P/E) of 13.52 is higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 12.67, Affirm Holdings's price to earnings (P/E) is 7% higher.
AFRM PE vs peers
Frequently asked questions
What is Affirm Holdings's PE ratio?
The price to earnings ratio for AFRM stock as of Oct 13, 2026, stands at 13.52.
What is the 3-year average PE ratio for Affirm Holdings (AFRM)?
The 3-year average price to earnings ratio for AFRM stock is 135.32.
What is the 5-year average PE ratio for Affirm Holdings (AFRM)?
The 5-year average price to earnings ratio for AFRM stock is 135.32.
What is the highest PE ratio for AFRM?
Over the last two years, the Jun 2025 quarter recorded the highest quarterly PE ratio at 432.13.
How does the current PE ratio for AFRM compare to its historical average?
AFRM's price to earnings ratio is currently 90% below its 2-year historical average.
How is AFRM's PE ratio calculated (Affirm Holdings PE ratio formula)?
The P/E ratio is obtained by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Oct 13, 2026), Affirm Holdings's share price is $77.89. The company's earnings per share for the trailing twelve months (TTM) ending Jun 2026 is $5.76. Therefore, Affirm Holdings's PE ratio for today is 13.52. PE RATIO(13.52) = STOCK PRICE($77.89) / TTM EPS($5.76)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.