Affirm Holdings AFRM
NASDAQ AFRM
$71.21 +0.93 (+1.32%)
At close: Sep 18, 2026 · 4:00 PM EDT

Affirm Holdings (AFRM) EBT Margin (2019 - 2026)

Affirm Holdings (AFRM) posted EBT Margin of 14.5% for Q2 2026, up 40.3% on a QoQ basis from 10.34% in Q1 2026, and up 634.0% year-over-year from 1.98% in Q2 2025.

Analysis

Affirm Holdings (AFRM) EBT Margin (2019 - 2026) Analysis & Trends

Affirm Holdings has reported EBT Margin for 8 years, with the latest figure at 14.5% in Q2 2026.

  • On a quarterly basis, EBT Margin rose 634.0% year-over-year to 14.5% in Q2 2026; TTM through Jun 2026 was 11.56%, a 966.0% increase from a year earlier, with the FY2026 full-year figure at 11.56%, up 966.0% from the prior year.
  • EBT Margin was 14.5% for Q2 2026 at Affirm Holdings, up from 10.34% in the prior quarter.
  • The five-year high for EBT Margin was 14.5% in Q2 2026, with the low at 81.09% in Q4 2022.
  • Average EBT Margin over 5 years is 20.3%, with a median of 14.71% recorded in 2022.
  • The sharpest annual moves came in 2022 and 2023: EBT Margin surged 10914 bps in 2022, then plunged 3887 bps in 2023.
  • Over 5 years, EBT Margin stood at 81.09% in 2022, then jumped by 65 bps to 28.35% in 2023, then jumped by 134 bps to 9.56% in 2024, then climbed by 24 bps to 11.86% in 2025, then climbed by 22 bps to 14.5% in 2026.
  • The last three EBT Margin figures came in at 14.5% (Q2 2026), 10.34% (Q1 2026), and 11.86% (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Synchrony Financial 24.38 Bn 8.19 Bn - 24.62%
2 Affirm Holdings 24.01 Bn 22.38 Bn - 14.50%
3 FirstCash Holdings 9.50 Bn 9.33 Bn 533.67 Mn 11.82%
4 Credit Acceptance 6.00 Bn 5.51 Bn 569.30 Mn 28.70%
5 Slm 4.72 Bn -77.52 Mn - 19.08%
6 Enova International 4.35 Bn 4.22 Bn 568.07 Mn 15.08%
7 Bread Financial Holdings 4.20 Bn -15.89 Bn 957.00 Mn 19.84%
8 StoneCo 2.99 Bn 1.38 Bn 308.97 Mn 19.43%
9 Ezcorp 1.88 Bn 1.57 Bn 246.19 Mn 12.42%
10 Navient 1.64 Bn 275.03 Mn - 22.03%
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 14.50%
Mar 31, 2026 10.34%
Dec 31, 2025 11.86%
Sep 30, 2025 8.89%
Jun 30, 2025 8.17%
Mar 31, 2025 0.68%
Dec 31, 2024 9.56%
Sep 30, 2024 -14.08%
Jun 30, 2024 -6.70%
Mar 31, 2024 -23.09%
Dec 31, 2023 -28.35%
Sep 30, 2023 -34.39%
Jun 30, 2023 -46.49%
Mar 31, 2023 -54.21%
Dec 31, 2022 -81.09%
Sep 30, 2022 -69.53%
Jun 30, 2022 -56.17%
Mar 31, 2022 -15.34%
Dec 31, 2021 -44.17%
Sep 30, 2021 -113.76%