Affirm Holdings (AFRM) Debt Ratio (2020 - 2026)
Affirm Holdings (AFRM) posted quarterly Debt Ratio of 0.18 for Q1 2026, up 0.59% year-over-year from 0.18 in Q1 2025, and down 21.76% on a QoQ basis from 0.24 in Q4 2025.
Affirm Holdings (AFRM) Debt Ratio (2020 - 2026) Analysis & Trends
Affirm Holdings (AFRM) has reported Debt Ratio for 7 consecutive years, with 0.18 the latest figure, recorded in Q1 2026.
- In Q1 2026, Debt Ratio rose 0.59% year-over-year to 0.18; the TTM figure through Mar 2026 stood at 0.18 (up 0.59% YoY), while the FY2025 annual figure was 0.15, down 24.61% from the prior year.
- Debt Ratio came in at 0.18 for Q1 2026 at Affirm Holdings, down from 0.24 in the prior quarter.
- The five-year high for Debt Ratio was 0.39 in Q3 2024, with the low at 0.1 in Q2 2022.
- Average Debt Ratio over 5 years is 0.22, with a median of 0.22 recorded in 2023.
- Across the five-year window, Debt Ratio jumped 159.61% in 2022 and sank 60.6% in 2025, its largest moves.
- Year by year, Debt Ratio stood at 0.24 in 2022, then gained by 25.33% to 0.3 in 2023, then plunged by 31.62% to 0.21 in 2024, then advanced by 13.75% to 0.24 in 2025, then dropped by 21.76% to 0.18 in 2026.
- According to Business Quant data, Debt Ratio over the past three periods registered 0.18, 0.24, and 0.15 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.25 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.36 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.01 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.12 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.18 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | - |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.02 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 0.60 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 3.53 |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 0.32 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.18 |
| Dec 31, 2025 | 0.24 |
| Sep 30, 2025 | 0.15 |
| Jun 30, 2025 | 0.15 |
| Mar 31, 2025 | 0.18 |
| Dec 31, 2024 | 0.21 |
| Sep 30, 2024 | 0.39 |
| Jun 30, 2024 | 0.19 |
| Mar 31, 2024 | 0.35 |
| Dec 31, 2023 | 0.30 |
| Sep 30, 2023 | 0.29 |
| Jun 30, 2023 | 0.22 |
| Mar 31, 2023 | 0.24 |
| Dec 31, 2022 | 0.24 |
| Sep 30, 2022 | 0.24 |
| Jun 30, 2022 | 0.10 |
| Mar 31, 2022 | 0.13 |
| Dec 31, 2021 | 0.09 |
| Sep 30, 2021 | 0.30 |
| Jun 30, 2021 | 0.14 |