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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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% |