Affirm Holdings AFRM
NASDAQ AFRM
$71.21 +0.93 (+1.32%)
At close: Sep 18, 2026 · 4:00 PM EDT

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

Affirm Holdings (AFRM) posted Net Margin of 138.65% for Q2 2026, up 1300.03% on a QoQ basis from 9.9% in Q1 2026, and up 13075.0% year-over-year from N/an in Q2 2025.

Analysis

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

Affirm Holdings has reported Net Margin for 8 years, with the latest figure at 138.65% in Q2 2026.

  • On a quarterly basis, Net Margin rose 13075.0% year-over-year to 138.65% in Q2 2026; TTM through Jun 2026 was 45.29%, a 4367.0% increase from a year earlier, with the FY2026 full-year figure at 45.29%, up 4367.0% from the prior year.
  • Net Margin was 138.65% for Q2 2026 at Affirm Holdings, up from 9.9% in the prior quarter.
  • The five-year high for Net Margin was 138.65% in Q2 2026, with the low at 80.69% in Q4 2022.
  • Average Net Margin over 5 years is 13.22%, with a median of 14.89% recorded in 2022.
  • The sharpest annual moves came in 2023 and 2026: Net Margin tumbled 3856 bps in 2023, then soared 13075 bps in 2026.
  • Over 5 years, Net Margin stood at 80.69% in 2022, then surged by 65 bps to 28.24% in 2023, then soared by 133 bps to 9.28% in 2024, then increased by 24 bps to 11.53% in 2025, then surged by 1102 bps to 138.65% in 2026.
  • The last three Net Margin figures came in at 138.65% (Q2 2026), 9.9% (Q1 2026), and 11.53% (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Net Margin (Qtr)
1 Synchrony Financial 24.38 Bn 8.19 Bn - 17.93%
2 Affirm Holdings 24.01 Bn 22.38 Bn - 138.65%
3 FirstCash Holdings 9.50 Bn 9.33 Bn 533.67 Mn 8.70%
4 Credit Acceptance 6.00 Bn 5.51 Bn 569.30 Mn 23.14%
5 Slm 4.72 Bn -77.52 Mn - 13.03%
6 Enova International 4.35 Bn 4.22 Bn 568.07 Mn 11.31%
7 Bread Financial Holdings 4.20 Bn -15.89 Bn 957.00 Mn 14.50%
8 StoneCo 2.99 Bn 1.38 Bn 308.97 Mn 0.00%
9 Ezcorp 1.88 Bn 1.57 Bn 246.19 Mn 9.19%
10 Navient 1.64 Bn 275.03 Mn - 14.12%
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 138.65%
Mar 31, 2026 9.90%
Dec 31, 2025 11.53%
Sep 30, 2025 8.65%
Jun 30, 2025 7.90%
Mar 31, 2025 0.36%
Dec 31, 2024 9.28%
Sep 30, 2024 -14.35%
Jun 30, 2024 -6.85%
Mar 31, 2024 -23.25%
Dec 31, 2023 -28.24%
Sep 30, 2023 -34.60%
Jun 30, 2023 -46.20%
Mar 31, 2023 -53.99%
Dec 31, 2022 -80.69%
Sep 30, 2022 -69.48%
Jun 30, 2022 -51.19%
Mar 31, 2022 -15.42%
Dec 31, 2021 -44.25%
Sep 30, 2021 -113.83%