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)
$18.48
Method range
$8.78 – $465.51
median $50.21
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 | $18.48 | -70.94% |
| Exit multiple | $465.51 | +631.82% |
| Analyst target | $81.93 | +28.80% |
| Graham number | $8.78 | -86.20% |
- Forward DCF$18.48
- Exit multiple$465.51
- Analyst target$81.93
- Graham number$8.78
Stock price
$63.61
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
34.6%
per year over your projection horizon
Margin of safety -469.7% 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% | 31.6% | 31.1% | 30.7% | 30.2% | 29.6% |
| 14.0% | 33.5% | 33.1% | 32.7% | 32.2% | 31.7% |
| 15.0% | 35.4% | 35.0% | 34.6% | 34.2% | 33.7% |
| 15.0% | 35.4% | 35.0% | 34.6% | 34.2% | 33.7% |
| 15.0% | 35.4% | 35.0% | 34.6% | 34.2% | 33.7% |
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
3.70
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