Affirm Holdings (AFRM) Net Margin (2019 - 2026)

Affirm Holdings (AFRM) posted quarterly Net Margin of 30.76% for Q1 2026, up 2971.0% year-over-year from 1.0% in Q1 2025, and up 166.54% on a QoQ basis from 11.54% in Q4 2025.

Affirm Holdings (AFRM) Net Margin (2019 - 2026) Analysis & Trends

Affirm Holdings (AFRM) has reported Net Margin for 8 consecutive years, with 30.76% the latest figure, recorded in Q1 2026.

  • In Q1 2026, Net Margin rose 2971.0% year-over-year to 30.76%; the TTM figure through Mar 2026 stood at 18.34% (down 18607.0% YoY), while the FY2025 annual figure was 4.68%, up 6737.0% from the prior year.
  • Net Margin came in at 30.76% for Q1 2026 at Affirm Holdings, up from 11.54% in the prior quarter.
  • The five-year high for Net Margin was 30.76% in Q1 2026, with the low at 95.72% in Q3 2023.
  • Average Net Margin over 5 years is 19.11%, with a median of 18.12% recorded in 2023.
  • Across the five-year window, Net Margin surged 20519 bps in 2022 and tumbled 3858 bps in 2023, its largest moves.
  • Year by year, Net Margin stood at 80.69% in 2022, then jumped by 65 bps to 28.24% in 2023, then soared by 194 bps to 26.52% in 2024, then plunged by 56 bps to 11.54% in 2025, then surged by 167 bps to 30.76% in 2026.
  • According to Business Quant data, Net Margin over the past three periods registered 30.76%, 11.54%, and 25.18% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Net Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 53.62%
2 Mastercard 465.55 Bn 455.34 Bn - 46.23%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 15.71%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 13.32%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 30.76%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 15.15%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 13.84%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 21.04%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 14.05%
10 Sezzle 5.91 Bn 5.79 Bn - 37.86%

Historic Data

Download Data
DateValue
Mar 31, 2026 30.76%
Dec 31, 2025 11.54%
Sep 30, 2025 25.18%
Jun 30, 2025 22.59%
Mar 31, 2025 1.04%
Dec 31, 2024 26.52%
Sep 30, 2024 -43.23%
Jun 30, 2024 5.39%
Mar 31, 2024 -23.25%
Dec 31, 2023 -28.24%
Sep 30, 2023 -95.72%
Jun 30, 2023 -18.12%
Mar 31, 2023 -53.99%
Dec 31, 2022 -80.69%
Sep 30, 2022 -69.48%
Jun 30, 2022 -19.83%
Mar 31, 2022 -15.41%
Dec 31, 2021 -44.25%
Sep 30, 2021 -274.67%
Jun 30, 2021 -29.75%