Affirm Holdings (AFRM) EV to FCF (2021 - 2026)
Affirm Holdings (AFRM) posted EV to FCF of 1.99 for Q2 2026, down 54.52% on a QoQ basis from 1.29 in Q1 2026, and up 7.99% year-over-year from 1.85 in Q2 2025.
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Affirm Holdings (AFRM) EV to FCF (2021 - 2026) Analysis & Trends
Affirm Holdings has reported EV to FCF for 6 years, with the latest figure at 1.99 in Q2 2026.
- On a quarterly basis, EV to FCF rose 7.99% year-over-year to 1.99 in Q2 2026; TTM through Jun 2026 was 0.57, a 14.41% increase from a year earlier, with the FY2026 full-year figure at 0.57, up 14.41% from the prior year.
- EV to FCF was 1.99 for Q2 2026 at Affirm Holdings, down from 1.29 in the prior quarter.
- The five-year high for EV to FCF was 1.11 in Q4 2022, with the low at 8.33 in Q1 2022.
- Average EV to FCF over 5 years is 3.05, with a median of 2.62 recorded in 2023.
- The sharpest annual moves came in 2022 and 2023: EV to FCF soared 93.41% in 2022, then sank 334.42% in 2023.
- Over 5 years, EV to FCF stood at 1.11 in 2022, then tumbled by 334.42% to 4.81 in 2023, then rose by 6.87% to 4.48 in 2024, then soared by 58.53% to 1.86 in 2025, then retreated by 7.42% to 1.99 in 2026.
- The last three EV to FCF figures came in at 1.99 (Q2 2026), 1.29 (Q1 2026), and 1.86 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Synchrony Financial | 26.06 Bn | 9.87 Bn | - |
| 2 | Affirm Holdings | 24.16 Bn | 22.53 Bn | - |
| 3 | FirstCash Holdings | 9.90 Bn | 9.73 Bn | 533.67 Mn |
| 4 | Credit Acceptance | 6.25 Bn | 5.76 Bn | 569.30 Mn |
| 5 | Enova International | 5.63 Bn | 5.51 Bn | 568.07 Mn |
| 6 | Slm | 4.96 Bn | 160.79 Mn | - |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.76 Bn | 957.00 Mn |
| 8 | StoneCo | 2.68 Bn | 1.06 Bn | 308.97 Mn |
| 9 | Ezcorp | 2.05 Bn | 1.73 Bn | 246.19 Mn |
| 10 | Navient | 1.71 Bn | 340.86 Mn | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -1.99 |
| Mar 31, 2026 | -1.29 |
| Dec 31, 2025 | -1.86 |
| Sep 30, 2025 | -2.41 |
| Jun 30, 2025 | -2.17 |
| Mar 31, 2025 | -1.77 |
| Dec 31, 2024 | -4.48 |
| Sep 30, 2024 | -3.97 |
| Jun 30, 2024 | -3.03 |
| Mar 31, 2024 | -4.33 |
| Dec 31, 2023 | -4.81 |
| Sep 30, 2023 | -2.84 |
| Jun 30, 2023 | -2.10 |
| Mar 31, 2023 | -1.80 |
| Dec 31, 2022 | -1.11 |
| Sep 30, 2022 | -3.46 |
| Jun 30, 2022 | -3.16 |
| Mar 31, 2022 | -8.33 |
| Dec 31, 2021 | -16.81 |
| Sep 30, 2021 | -43.93 |