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)
$416.77
Method range
$8.78 – $674.27
median $251.36
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 | $416.77 | +397.46% |
| Exit multiple | $674.27 | +704.81% |
| Analyst target | $85.94 | +2.58% |
| Graham number | $8.78 | -89.52% |
- Forward DCF$416.77
- Exit multiple$674.27
- Analyst target$85.94
- Graham number$8.78
Stock price
$83.78
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
38.9%
per year over your projection horizon
Margin of safety -650.3% 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% | 35.8% | 35.3% | 34.8% | 34.3% | 33.7% |
| 14.0% | 37.8% | 37.4% | 36.9% | 36.4% | 35.9% |
| 15.0% | 39.7% | 39.3% | 38.9% | 38.5% | 38.0% |
| 15.0% | 39.7% | 39.3% | 38.9% | 38.5% | 38.0% |
| 15.0% | 39.7% | 39.3% | 38.9% | 38.5% | 38.0% |
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