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| 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% |