Affirm Holdings (AFRM) EBT Margin (2019 - 2026)
Affirm Holdings' EBT Margin was 14.50% in fiscal Q4 2026 (quarter ended Jun 30, 2026), up 6.34 percentage points from 8.17% a year earlier and up 4.17 percentage points from the prior quarter.
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Analysis
Affirm Holdings (AFRM) EBT Margin (2019 - 2026) Analysis & Trends
For FY2026 (ended Jun 30, 2026), EBT Margin at Affirm Holdings came in at 11.56%, up 9.66 percentage points from FY2025.
- EBT Margin has now increased for three consecutive fiscal years, with a five-year change of +62.50 percentage points (FY2021 to FY2026).
- In earlier fiscal years, EBT Margin was 1.91% in FY2025 (+24.10 pp), -22.19% in FY2024 (+40.10 pp), -62.30% in FY2023 (-8.58 pp) and -53.72% in FY2022 (-2.78 pp).
- The fiscal Q4 2026 figure marks the highest quarterly EBT Margin since fiscal Q4 2020.
- Compared with a year earlier, EBT Margin has increased for 13 straight quarters, with an average year-over-year change of +17.27 percentage points over the last eight quarters.
- The best year-over-year quarter for EBT Margin over five years was fiscal Q3 2022 (a gain of 109.14 percentage points); the worst was fiscal Q1 2022 (a drop of 111.54 percentage points).
- Per Business Quant data, AFRM's EBT Margin in the three fiscal quarters before Q4 2026 was 10.34% (Q3 2026), 11.86% (Q2 2026) and 8.89% (Q1 2026).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 10.09% |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 46.33% |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 12.09% |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 14.50% |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 24.99% |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 66.15% |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 65.65% |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | - |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 79.69% |
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% |
API Access
Affirm Holdings EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=AFRM&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "AFRM", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=AFRM&period=max&api_key=YOUR_API_KEY");
const data = await res.json();