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

Affirm Holdings (AFRM) recorded quarterly EBT Margin of 32.1% in Q1 2026, up 170.57% quarter-over-quarter from 11.86% in Q4 2025, and up 3014.0% on a YoY basis from 1.03% in Q1 2025.

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

Affirm Holdings' EBT Margin history runs 8 years deep, the most recent figure standing at 32.1% for Q1 2026.

  • In Q1 2026, EBT Margin rose 3014.0% year-over-year to 32.1%; the TTM figure through Mar 2026 stood at 18.96% (down 15948.0% YoY), while the FY2025 annual figure was 5.52%, up 6793.0% from the prior year.
  • EBT Margin was 32.1% for Q1 2026 at Affirm Holdings, up from 11.86% in the prior quarter.
  • In the past five years, EBT Margin ranged from a high of 32.1% in Q1 2026 to a low of 95.16% in Q3 2023.
  • Historically, EBT Margin has averaged 18.91% across 5 years, with a median of 18.24% in 2023.
  • The sharpest annual moves came in 2022 and 2023: EBT Margin surged 20496 bps in 2022, then sank 3887 bps in 2023.
  • A 5-year view of EBT Margin shows it stood at 81.09% in 2022, then soared by 65 bps to 28.35% in 2023, then jumped by 196 bps to 27.34% in 2024, then plunged by 57 bps to 11.86% in 2025, then surged by 171 bps to 32.1% in 2026.
  • The last three EBT Margin figures came in at 32.1% (Q1 2026), 11.86% (Q4 2025), and 25.9% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Visa 534.76 Bn 522.36 Bn - 63.88%
2 Mastercard 431.99 Bn 421.78 Bn - 57.30%
3 American Express 214.01 Bn 159.96 Bn 17.43 Bn 19.98%
4 Capital One Financial 112.27 Bn 35.78 Bn - 17.72%
5 PayPal Holdings 37.67 Bn 28.32 Bn 7.84 Bn 16.68%
6 Synchrony Financial 24.15 Bn 3.59 Bn - 21.96%
7 Affirm Holdings 21.85 Bn 20.12 Bn 261.64 Mn 32.10%
8 SoFi Technologies 21.08 Bn 17.68 Bn 929.25 Mn 18.14%
9 Ally Financial 13.14 Bn 12.70 Bn 1.98 Bn 19.03%
10 Credit Acceptance 6.45 Bn 6.42 Bn 562.70 Mn 27.07%

Historic Data

Download Data
DateValue
Mar 31, 2026 32.10%
Dec 31, 2025 11.86%
Sep 30, 2025 25.90%
Jun 30, 2025 23.35%
Mar 31, 2025 1.96%
Dec 31, 2024 27.34%
Sep 30, 2024 -42.41%
Jun 30, 2024 5.27%
Mar 31, 2024 -23.09%
Dec 31, 2023 -28.35%
Sep 30, 2023 -95.16%
Jun 30, 2023 -18.24%
Mar 31, 2023 -54.21%
Dec 31, 2022 -81.09%
Sep 30, 2022 -69.53%
Jun 30, 2022 -21.76%
Mar 31, 2022 -15.34%
Dec 31, 2021 -44.17%
Sep 30, 2021 -274.50%
Jun 30, 2021 -22.93%