Affirm Holdings (AFRM) Interest Coverage Ratio (2019 - 2026)
Affirm Holdings (AFRM) posted Interest Coverage Ratio of 1.24 for Q2 2026, up 59.86% on a QoQ basis from 0.78 in Q1 2026, and up 126.66% year-over-year from 0.55 in Q2 2025.
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Analysis
Affirm Holdings (AFRM) Interest Coverage Ratio (2019 - 2026) Analysis & Trends
Affirm Holdings has reported Interest Coverage Ratio for 8 years, with the latest figure at 1.24 in Q2 2026.
- On a quarterly basis, Interest Coverage Ratio rose 126.66% year-over-year to 1.24 in Q2 2026; TTM through Jun 2026 was 0.92, a 547.72% increase from a year earlier, with the FY2026 full-year figure at 0.92, up 547.72% from the prior year.
- Interest Coverage Ratio was 1.24 for Q2 2026 at Affirm Holdings, up from 0.78 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 1.24 in Q2 2026, with the low at 14.32 in Q1 2022.
- Average Interest Coverage Ratio over 5 years is 3.49, with a median of 1.53 recorded in 2024.
- The sharpest annual moves came in 2022 and 2025: Interest Coverage Ratio plunged 95.23% in 2022, then soared 2725.22% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 8.22 in 2022, then jumped by 75.24% to 2.03 in 2023, then jumped by 98.03% to 0.04 in 2024, then jumped by 2725.22% to 1.05 in 2025, then grew by 18.02% to 1.24 in 2026.
- The last three Interest Coverage Ratio figures came in at 1.24 (Q2 2026), 0.78 (Q1 2026), and 1.05 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.07 |
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 |