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
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%