Fair value (multi-method)
Four independent methods triangulate what AFRM is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$418.22
Method range
$8.78 – $674.52
median $253.78
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $418.22 | +465.77% |
| Exit multiple | $674.52 | +812.50% |
| Analyst target | $89.35 | +20.87% |
| Graham number | $8.78 | -88.12% |
- Forward DCF$418.22
- Exit multiple$674.52
- Analyst target$89.35
- Graham number$8.78
Stock price
$73.92
FCF / share (TTM)
$0.97
3Y FCF CAGR
—
Fair value @ hist. growth
$11.17
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
37.0%
per year over your projection horizon
Margin of safety -562.0% vs hist-growth DCF
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 8% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 13.0% | 33.9% | 33.4% | 32.9% | 32.4% | 31.8% |
| 14.0% | 35.9% | 35.4% | 35.0% | 34.5% | 34.0% |
| 15.0% | 37.8% | 37.4% | 37.0% | 36.5% | 36.1% |
| 15.0% | 37.8% | 37.4% | 37.0% | 36.5% | 36.1% |
| 15.0% | 37.8% | 37.4% | 37.0% | 36.5% | 36.1% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net debt
$6.5B
Total debt − cash
Beta
3.67
Vs market benchmark
Frequently asked questions
Affirm Holdings (AFRM) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.