Affirm Holdings, Inc.

BMV:AFRM * Stock Report

Market Cap: Mex$424.5b

Affirm Holdings Valuation

Is AFRM * undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of AFRM * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate AFRM *'s fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate AFRM *'s fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for AFRM *?

Key metric: As AFRM * is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for AFRM *. This is calculated by dividing AFRM *'s market cap by their current revenue.
What is AFRM *'s PS Ratio?
PS Ratio8.6x
SalesUS$2.52b
Market CapUS$20.90b

Price to Sales Ratio vs Peers

How does AFRM *'s PS Ratio compare to its peers?

The above table shows the PS ratio for AFRM * vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average9.4x
TOST Toast
5.2x17.3%US$24.3b
CPAY Corpay
6.9x9.9%US$26.5b
FOUR Shift4 Payments
2.5x19.5%US$7.7b
ADYEN Adyen
23.1x18.8%€41.8b
AFRM * Affirm Holdings
8.6x19.7%Mex$20.9b

Price-To-Sales vs Peers: AFRM * is good value based on its Price-To-Sales Ratio (8.6x) compared to the peer average (9.4x).

Price to Sales Ratio vs Industry

How does AFRM *'s PS Ratio compare vs other companies in the South American Diversified Financial Industry?

4 CompaniesPrice / SalesEstimated GrowthMarket Cap
No. of Companies4PS012345+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: AFRM * is expensive based on its Price-To-Sales Ratio (8.6x) compared to the South American Diversified Financial industry average (1.5x).

Price to Sales Ratio vs Fair Ratio

What is AFRM *'s PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

AFRM * PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio8.6x
Fair PS Ration/a

Price-To-Sales vs Fair Ratio: Insufficient data to calculate AFRM *'s Price-To-Sales Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst AFRM * forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentMex$1,417.00
Mex$1,072.35
-24.3%
27.9%Mex$1,536.05Mex$409.61n/a17
Nov ’25Mex$888.00
Mex$915.77
+3.1%
25.8%Mex$1,359.36Mex$399.81n/a17
Oct ’25Mex$813.00
Mex$800.59
-1.5%
30.3%Mex$1,275.51Mex$392.46n/a16
Sep ’25Mex$864.00
Mex$763.70
-11.6%
30.9%Mex$1,279.90Mex$393.81n/a15
Aug ’25Mex$503.99
Mex$690.27
+37.0%
31.7%Mex$1,198.76Mex$368.85n/a14
Jul ’25Mex$563.19
Mex$688.74
+22.3%
30.4%Mex$1,167.87Mex$359.34n/a15
Jun ’25Mex$499.55
Mex$626.28
+25.4%
33.5%Mex$1,102.21Mex$339.14n/a15
May ’25Mex$572.00
Mex$651.37
+13.9%
32.1%Mex$1,118.72Mex$344.22n/a17
Apr ’25Mex$580.51
Mex$635.95
+9.6%
35.4%Mex$1,084.64Mex$216.93n/a16
Mar ’25Mex$640.05
Mex$654.27
+2.2%
37.8%Mex$1,111.38Mex$222.28n/a18
Feb ’25Mex$676.00
Mex$538.20
-20.4%
52.1%Mex$1,120.35Mex$103.42n/a19
Jan ’25Mex$830.00
Mex$488.52
-41.1%
55.8%Mex$1,107.10Mex$102.19n/a18
Dec ’24Mex$649.00
Mex$381.30
-41.2%
40.5%Mex$705.08Mex$103.18n/a19
Nov ’24Mex$311.50
Mex$292.37
-6.1%
35.5%Mex$505.50Mex$108.32Mex$888.0018
Oct ’24Mex$373.00
Mex$272.11
-27.0%
35.8%Mex$426.84Mex$102.44Mex$813.0016
Sep ’24Mex$374.50
Mex$266.81
-28.8%
32.5%Mex$427.28Mex$102.55Mex$864.0018
Aug ’24Mex$331.00
Mex$247.89
-25.1%
31.9%Mex$405.65Mex$101.41Mex$503.9918
Jul ’24Mex$278.39
Mex$240.47
-13.6%
30.2%Mex$412.23Mex$103.06Mex$563.1918
Jun ’24Mex$258.15
Mex$232.59
-9.9%
24.6%Mex$296.32Mex$104.58Mex$499.5516
May ’24Mex$178.90
Mex$246.22
+37.6%
23.0%Mex$323.64Mex$107.88Mex$572.0017
Apr ’24Mex$209.90
Mex$249.11
+18.7%
22.4%Mex$324.40Mex$108.13Mex$580.5118
Mar ’24Mex$225.20
Mex$266.90
+18.5%
23.3%Mex$373.15Mex$111.95Mex$640.0519
Feb ’24Mex$334.00
Mex$335.96
+0.6%
45.4%Mex$856.57Mex$111.73Mex$676.0019
Jan ’24Mex$187.00
Mex$368.91
+97.3%
44.7%Mex$903.66Mex$157.16Mex$830.0019
Dec ’23Mex$275.00
Mex$404.89
+47.2%
44.6%Mex$1,003.09Mex$192.90Mex$649.0019
Nov ’23Mex$405.00
Mex$586.12
+44.7%
35.1%Mex$1,045.15Mex$295.80Mex$311.5018

Analyst Forecast: Target price is lower than the current share price.

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