Affirm Holdings (AFRM) EBT Margin (2019 - 2026)
Affirm Holdings (AFRM) posted quarterly EBT Margin of 32.1% for Q1 2026, up 3014.0% year-over-year from 1.03% in Q1 2025, and up 170.57% on a QoQ basis from 11.86% in Q4 2025.
Affirm Holdings (AFRM) EBT Margin (2019 - 2026) Analysis & Trends
Affirm Holdings (AFRM) has reported EBT Margin for 8 consecutive years, with 32.1% the latest figure, recorded in 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 came in at 32.1% for Q1 2026 at Affirm Holdings, up from 11.86% in the prior quarter.
- The five-year high for EBT Margin was 32.1% in Q1 2026, with the low at 95.16% in Q3 2023.
- Average EBT Margin over 5 years is 18.91%, with a median of 18.24% recorded in 2023.
- Across the five-year window, EBT Margin surged 20496 bps in 2022 and slumped 3887 bps in 2023, its largest moves.
- Year by year, EBT Margin 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 sank by 57 bps to 11.86% in 2025, then surged by 171 bps to 32.1% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 32.1%, 11.86%, and 25.9% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 48.70% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |