Affirm Holdings (AFRM) Asset Utilization Ratio (2021 - 2026)
Affirm Holdings (AFRM) posted Asset Utilization Ratio of 0.29 for Q2 2026, down 3.22% on a QoQ basis from 0.3 in Q1 2026, and down 1.38% year-over-year from 0.3 in Q2 2025.
Analysis
Affirm Holdings (AFRM) Asset Utilization Ratio (2021 - 2026) Analysis & Trends
Affirm Holdings has reported Asset Utilization Ratio for 6 years, with the latest figure at 0.29 in Q2 2026.
- On a quarterly basis, Asset Utilization Ratio fell 1.38% year-over-year to 0.29 in Q2 2026; TTM through Jun 2026 was 0.29, a 1.38% decrease from a year earlier, with the FY2026 full-year figure at 0.32, up 1.4% from the prior year.
- Asset Utilization Ratio was 0.29 for Q2 2026 at Affirm Holdings, down from 0.3 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.31 in Q3 2025, with the low at 0.18 in Q1 2022.
- Average Asset Utilization Ratio over 5 years is 0.24, with a median of 0.24 recorded in 2024.
- The sharpest annual moves came in 2022 and 2025: Asset Utilization Ratio dropped 12.54% in 2022, then grew 24.48% in 2025.
- Over 5 years, Asset Utilization Ratio stood at 0.2 in 2022, then advanced by 10.82% to 0.22 in 2023, then climbed by 23.94% to 0.27 in 2024, then climbed by 11.98% to 0.3 in 2025, then retreated by 3.15% to 0.29 in 2026.
- The last three Asset Utilization Ratio figures came in at 0.29 (Q2 2026), 0.3 (Q1 2026), and 0.3 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.16 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 0.29 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.76 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 0.27 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 0.07 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 0.49 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.18 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.24 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 0.74 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 0.02 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.29 |
| Mar 31, 2026 | 0.30 |
| Dec 31, 2025 | 0.30 |
| Sep 30, 2025 | 0.31 |
| Jun 30, 2025 | 0.30 |
| Mar 31, 2025 | 0.29 |
| Dec 31, 2024 | 0.27 |
| Sep 30, 2024 | 0.26 |
| Jun 30, 2024 | 0.25 |
| Mar 31, 2024 | 0.23 |
| Dec 31, 2023 | 0.22 |
| Sep 30, 2023 | 0.21 |
| Jun 30, 2023 | 0.20 |
| Mar 31, 2023 | 0.20 |
| Dec 31, 2022 | 0.20 |
| Sep 30, 2022 | 0.20 |
| Jun 30, 2022 | 0.19 |
| Mar 31, 2022 | 0.18 |
| Dec 31, 2021 | 0.18 |
| Sep 30, 2021 | 0.19 |