Affirm Holdings (AFRM) EBIT Margin (2019 - 2026)
Affirm Holdings' EBIT Margin came in at 12.63% for fiscal Q4 2026 (quarter ended Jun 30, 2026), up 6.00 percentage points from 6.63% a year earlier and up 4.12 percentage points from the prior quarter.
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Analysis
Affirm Holdings (AFRM) EBIT Margin (2019 - 2026) Analysis & Trends
For FY2026 (ended Jun 30, 2026), Affirm Holdings' EBIT Margin was 9.79%, up 12.49 percentage points from FY2025.
- EBIT Margin has increased in each of the last three fiscal years, with a five-year change of +53.86 percentage points (FY2021 to FY2026).
- Going back by fiscal year, EBIT Margin was -2.71% in FY2025 (+23.80 pp), -26.51% in FY2024 (+49.11 pp), -75.62% in FY2023 (-11.44 pp) and -64.19% in FY2022 (-20.11 pp).
- The fiscal Q4 2026 figure represents the highest quarterly EBIT Margin since fiscal Q4 2020.
- Year-over-year, EBIT Margin has increased for 13 consecutive quarters, with an average year-over-year change of +18.60 percentage points over the last eight quarters.
- The fastest year-over-year change in EBIT Margin over five years came in fiscal Q2 2024 (a gain of 60.86 percentage points), and the weakest in fiscal Q1 2022 (a drop of 42.51 percentage points).
- Business Quant data shows AFRM's EBIT Margin at 8.51% (Q3 2026), 10.47% (Q2 2026) and 6.82% (Q1 2026) in the three fiscal quarters before Q4 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 23.53% |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 15.28% |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 19.75% |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 12.63% |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 45.54% |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 507.88% |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | - |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 551.48% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 12.63% |
| Mar 31, 2026 | 8.51% |
| Dec 31, 2025 | 10.47% |
| Sep 30, 2025 | 6.82% |
| Jun 30, 2025 | 6.63% |
| Mar 31, 2025 | -1.07% |
| Dec 31, 2024 | -0.50% |
| Sep 30, 2024 | -18.99% |
| Jun 30, 2024 | -11.14% |
| Mar 31, 2024 | -27.91% |
| Dec 31, 2023 | -29.12% |
| Sep 30, 2023 | -42.18% |
| Jun 30, 2023 | -54.69% |
| Mar 31, 2023 | -81.38% |
| Dec 31, 2022 | -89.98% |
| Sep 30, 2022 | -79.49% |
| Jun 30, 2022 | -76.13% |
| Mar 31, 2022 | -63.86% |
| Dec 31, 2021 | -54.35% |
| Sep 30, 2021 | -61.65% |
API Access
Affirm Holdings EBIT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebit-margin&ticker=AFRM&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebit-margin", "ticker": "AFRM", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebit-margin&ticker=AFRM&period=max&api_key=YOUR_API_KEY");
const data = await res.json();