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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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% |