Affirm Holdings (AFRM) Interest Coverage Ratio (2019 - 2026)
Affirm Holdings (AFRM) posted quarterly Interest Coverage Ratio of 0.78 for Q1 2026, up 1096.82% year-over-year from 0.06 in Q1 2025, and down 26.17% quarter-over-quarter from 1.05 in Q4 2025.
Analysis
Affirm Holdings (AFRM) Interest Coverage Ratio (2019 - 2026) Analysis & Trends
Affirm Holdings' Interest Coverage Ratio history runs 8 years deep, the most recent figure standing at 0.78 for Q1 2026.
- In Q1 2026, Interest Coverage Ratio rose 1096.82% year-over-year to 0.78; the TTM figure through Mar 2026 stood at 0.74 (up 321.22% YoY), while the FY2025 annual figure was 0.21, up 53.63% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 0.78, down from 1.05 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 5.79 in Q2 2022, with the low at 14.32 in Q1 2022.
- The 5-year median for Interest Coverage Ratio is 1.27 (2024), against an average of 2.42.
- The sharpest annual moves came in 2022 and 2025: Interest Coverage Ratio sank 520.81% in 2022, then jumped 2725.22% in 2025.
- Affirm Holdings' Interest Coverage Ratio stood at 8.22 in 2022, then surged by 75.24% to 2.03 in 2023, then surged by 98.03% to 0.04 in 2024, then surged by 2725.22% to 1.05 in 2025, then declined by 26.17% to 0.78 in 2026.
- Business Quant data shows AFRM's Interest Coverage Ratio at 0.78 in Q1 2026, 1.05 in Q4 2025, and 0.58 in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 3.56 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.24 |
| Mar 31, 2026 | 0.78 |
| Dec 31, 2025 | 1.05 |
| Sep 30, 2025 | 0.58 |
| Jun 30, 2025 | 0.55 |
| Mar 31, 2025 | -0.08 |
| Dec 31, 2024 | -0.04 |
| Sep 30, 2024 | -1.27 |
| Jun 30, 2024 | -0.77 |
| Mar 31, 2024 | -1.78 |
| Dec 31, 2023 | -2.03 |
| Sep 30, 2023 | -2.83 |
| Jun 30, 2023 | -3.87 |
| Mar 31, 2023 | -6.06 |
| Dec 31, 2022 | -8.22 |
| Sep 30, 2022 | -11.47 |
| Jun 30, 2022 | -14.28 |
| Mar 31, 2022 | -14.32 |
| Dec 31, 2021 | -11.08 |
| Sep 30, 2021 | -9.91 |