Affirm Holdings (AFRM) Interest Coverage Ratio (2019 - 2026)

Affirm Holdings (AFRM) recorded quarterly Interest Coverage Ratio of 0.78 in Q1 2026, down 26.17% quarter-over-quarter from 1.05 in Q4 2025, and up 1096.82% on a YoY basis from 0.06 in Q1 2025.

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 240.77% YoY), while the FY2025 annual figure was 0.21, up 88.53% from the prior year.
  • Interest Coverage Ratio was 0.78 for Q1 2026 at Affirm Holdings, down from 1.05 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 1.05 in Q4 2025 to a low of 14.32 in Q1 2022.
  • Historically, Interest Coverage Ratio has averaged 3.77 across 5 years, with a median of 1.78 in 2024.
  • The sharpest annual moves came in 2022 and 2025: Interest Coverage Ratio sank 95.23% in 2022, then surged 2725.22% in 2025.
  • A 5-year view of Interest Coverage Ratio shows it stood at 8.22 in 2022, then soared by 75.24% to 2.03 in 2023, then soared by 98.03% to 0.04 in 2024, then soared by 2725.22% to 1.05 in 2025, then fell by 26.17% to 0.78 in 2026.
  • The last three Interest Coverage Ratio figures came in at 0.78 (Q1 2026), 1.05 (Q4 2025), and 0.58 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Interest Cover (Qtr)
1 Visa 543.83 Bn 531.43 Bn - 40.64
2 Mastercard 439.96 Bn 429.75 Bn - 26.52
3 American Express 218.41 Bn 164.37 Bn 17.43 Bn 1.80
4 Capital One Financial 113.95 Bn 37.46 Bn - 1.66
5 PayPal Holdings 37.65 Bn 28.31 Bn 7.84 Bn -
6 Synchrony Financial 24.77 Bn 4.21 Bn - 2.08
7 Affirm Holdings 21.75 Bn 20.03 Bn 261.64 Mn 0.78
8 SoFi Technologies 21.04 Bn 17.64 Bn 929.25 Mn 0.12
9 Ally Financial 13.49 Bn 13.04 Bn 1.98 Bn 0.49
10 Eason Technology 6.63 Bn 6.62 Bn - -

Historic Data

Download Data
DateValue
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
Jun 30, 2021 -7.31