Affirm Holdings (AFRM) EBITDA Margin (2019 - 2026)
Affirm Holdings (AFRM) posted quarterly EBITDA Margin of 8.51% for Q1 2026, up 740.0% year-over-year from 1.01% in Q1 2025, and down 70.95% quarter-over-quarter from 29.3% in Q4 2025.
Affirm Holdings (AFRM) EBITDA Margin (2019 - 2026) Analysis & Trends
Affirm Holdings' EBITDA Margin history runs 8 years deep, the most recent figure standing at 8.51% for Q1 2026.
- In Q1 2026, EBITDA Margin rose 740.0% year-over-year to 8.51%; the TTM figure through Mar 2026 stood at 15.86% (up 2451.0% YoY), while the FY2025 annual figure was 7.83%, up 1868.0% from the prior year.
- EBITDA Margin for Q1 2026 stood at 8.51%, down from 29.3% in the prior quarter.
- The five-year high for EBITDA Margin was 65.08% in Q2 2022, with the low at 205.54% in Q3 2022.
- The 5-year median for EBITDA Margin is 18.99% (2024), against an average of 30.71%.
- Peak annual rise in EBITDA Margin reached 17095 bps in 2022, while the deepest fall reached 14390 bps in 2022.
- Affirm Holdings' EBITDA Margin stood at 89.98% in 2022, then advanced by 16 bps to 75.63% in 2023, then soared by 99 bps to 0.5% in 2024, then surged by 5974 bps to 29.3% in 2025, then tumbled by 71 bps to 8.51% in 2026.
- Business Quant data shows AFRM's EBITDA Margin at 8.51% in Q1 2026, 29.3% in Q4 2025, and 19.86% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 87.81% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 44.85% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | Ally Financial | 13.61 Bn | 5.77 Bn | 2.08 Bn | 33.20% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 8.51% |
| Dec 31, 2025 | 29.30% |
| Sep 30, 2025 | 19.86% |
| Jun 30, 2025 | 18.94% |
| Mar 31, 2025 | 1.11% |
| Dec 31, 2024 | -0.50% |
| Sep 30, 2024 | -18.99% |
| Jun 30, 2024 | -4.27% |
| Mar 31, 2024 | -27.91% |
| Dec 31, 2023 | -75.63% |
| Sep 30, 2023 | -42.18% |
| Jun 30, 2023 | -54.69% |
| Mar 31, 2023 | -81.38% |
| Dec 31, 2022 | -89.98% |
| Sep 30, 2022 | -205.54% |
| Jun 30, 2022 | 65.08% |
| Mar 31, 2022 | -63.86% |
| Dec 31, 2021 | -127.70% |
| Sep 30, 2021 | -61.65% |
| Jun 30, 2021 | -105.87% |