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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Affirm Holdings (AFRM) EBITDA Margin (2019 - 2025)

Affirm Holdings has reported EBITDA Margin over the past 7 years, most recently at 12.2% for Q4 2025.

  • Quarterly results put EBITDA Margin at 12.2% for Q4 2025, up 736.0% from a year ago — trailing twelve months through Dec 2025 was 6.74% (up 2510.0% YoY), and the annual figure for FY2025 was 1.82%, up 6525.0%.
  • EBITDA Margin for Q4 2025 was 12.2% at Affirm Holdings, down from 22.27% in the prior quarter.
  • Over the last five years, EBITDA Margin for AFRM hit a ceiling of 67.71% in Q2 2021 and a floor of 278.3% in Q3 2021.
  • Median EBITDA Margin over the past 5 years was 19.78% (2024), compared with a mean of 35.7%.
  • Biggest five-year swings in EBITDA Margin: crashed -27474bps in 2021 and later surged 20133bps in 2022.
  • Affirm Holdings' EBITDA Margin stood at 102.87% in 2021, then increased by 23bps to 78.8% in 2022, then increased by 17bps to 65.39% in 2023, then surged by 107bps to 4.84% in 2024, then soared by 152bps to 12.2% in 2025.
  • The last three reported values for EBITDA Margin were 12.2% (Q4 2025), 22.27% (Q3 2025), and 4.08% (Q2 2025) per Business Quant data.