SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Affirm Holdings, Inc. (AFRM) trades at a trailing P/E of 57.9, forward P/E of 52.2. Trailing earnings yield is 1.73%, forward earnings yield 1.92%. PEG 0.09 (Peter Lynch undervalued ≤1.0). Graham Number is $14.20.
Criteria proven by this page:
- VALUE (60/100, Pass) — PEG ≤ 1.0 — Peter Lynch undervalued (0.09); analyst target implies upside (+46.1%).
- Forward P/E 52.2 (down from trailing 57.9) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.09 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 1.73% — below bond yields — investors are paying a premium for expected growth rather than current earnings. Forward yield improves to 1.92% as earnings recover.
- Analyst consensus target $81.54 (+46.1% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 57/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
60/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — AFRM
Valuation Multiples
P/E (TTM)57.9
Forward P/E52.2
PEG Ratio0.09
Forward PEG0.09
P/B Ratio4.61
P/S Ratio4.39
EV/EBITDA24.1
Per Share Data
EPS (TTM)$0.84
Forward EPS (Est.)$1.07
Book Value / Share$10.61
Revenue / Share$11.12
FCF / Share$1.85
Yields & Fair Value
Earnings Yield1.73%
Forward Earnings Yield1.92%
Dividend Yield0.00%
Graham Number$14.20
SharesGrow IV$805.14 (+1342.4%)
Analyst Target$81.54 (+46.1%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2019 |
-207.8 |
0.00 |
-95.02 |
94.68 |
- |
| 2020 |
-222.3 |
34.83 |
-68.18 |
49.12 |
- |
| 2021 |
-41.2 |
-0.15 |
7.05 |
20.85 |
- |
| 2022 |
-7.2 |
-0.14 |
1.94 |
3.77 |
- |
| 2023 |
-4.6 |
-0.14 |
1.79 |
2.85 |
- |
| 2024 |
-17.9 |
0.36 |
3.38 |
3.98 |
- |
| 2025 |
427.7 |
-3.90 |
7.27 |
6.92 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2019 |
$-0.47 |
$264.37M |
$-120.46M |
-45.6% |
| 2020 |
$-0.44 |
$509.53M |
$-112.6M |
-22.1% |
| 2021 |
$-2.72 |
$870.46M |
$-430.92M |
-49.5% |
| 2022 |
$-2.51 |
$1.35B |
$-707.42M |
-52.4% |
| 2023 |
$-3.34 |
$1.59B |
$-985.35M |
-62.1% |
| 2024 |
$-1.67 |
$2.32B |
$-517.76M |
-22.3% |
| 2025 |
$0.15 |
$3.22B |
$52.19M |
1.6% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.08 |
$0.96 – $1.20 |
$4.14B |
$4.11B – $4.19B |
15 |
| 2027 |
$1.70 |
$1.16 – $2.12 |
$5.14B |
$4.86B – $5.58B |
14 |
| 2028 |
$2.39 |
$1.34 – $3.48 |
$6.45B |
$6.45B – $6.45B |
15 |
| 2029 |
$3.56 |
$3.36 – $3.83 |
$8.44B |
$8.09B – $8.93B |
9 |
