Affirm Holdings, Inc. (AFRM) P/E Ratio History
ExpensiveTrading at 571.9x vs 5Y avg 195.7x · 100th percentile · Material premium to history · Data 2025–2026
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P/E Ratio Analysis
As of July 7, 2026, Affirm Holdings, Inc. (AFRM) trades at a price-to-earnings ratio of 571.9x, with a stock price of $85.78 and trailing twelve-month earnings per share of $1.10.
The current P/E is 192% above its 5-year average of 195.7x. Over the past five years, AFRM's P/E has ranged from a low of 41.7x to a high of 539.7x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Technology sector median P/E of 29.6x, AFRM trades at a 1829% premium to its sector peers. The sector includes 358 companies with P/E ratios ranging from 0.0x to 194.0x.
Relative to the broader market, AFRM commands a significant premium over the S&P 500 median P/E of 25.6x. 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
Payments and fintech infrastructure peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $6B | 48.1 | - | +70% | |
| $3B | 76.3 | 5.31 | +131% | |
| $2B | 16.7 | - | +156%Best | |
| $24B | 47.7 | - | +0% | |
| $40B | 8.3Lowest | 0.94Best | +36% | |
| $14B | 19.5 | - | +32% | |
| $7B | 9.2 | 2.33 | +55% | |
| $7B | 17.5 | 1.78 | +89% | |
| $156B | 127.8 | 4.36 | -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 Q3 | - | $45.82 | $1.10 | 41.7x | -79% |
| FY2026 Q2 | Dec 31 2025 | $74.43 | $0.81 | 92.1x | -53% |
| FY2026 Q1 | - | $73.08 | $0.67 | 109.4x | -44% |
| FY2025 Q4 | Jun 30 2025 | $69.14 | $0.13 | 539.7x | +176% |
Average P/E for displayed period: 195.7x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
1+ years return with dividends reinvested.
DCA Calculator
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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 571.9x, based on TTM diluted EPS of $1.10. The 5-year average P/E is 195.7x and the historical range spans 41.7x to 539.7x.
Is AFRM stock overvalued or undervalued?
AFRM trades at 571.9x P/E, above its 5-year average of 195.7x. The 100th percentile ranking within the 41.7x–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 571.9x is above the 5-year average of 195.7x and also above the Technology sector median of 29.6x. The stock sits at the 100th 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 41.7x to 539.7x, with a median of 109.4x and an average of 195.7x. The current P/E of 571.9x places the stock at the 100th 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 571.9x P/E versus the S&P 500 median of 25.6x. The 2134% premium to the market typically reflects higher expected earnings growth or quality.
How does AFRM's valuation compare to Technology peers?
Affirm Holdings, Inc. P/E of 571.9x compares to the Technology sector median of 29.6x. 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 571.9x 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 0.17%, the inverse of its 571.9x 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.