Affirm Holdings (AFRM) Return on Sales [ROS] (2019 - 2026)
Affirm Holdings' Return on Sales [ROS] came in at 12.63% for fiscal Q4 2026 (quarter ended Jun 30, 2026), up 6.00 percentage points from 6.63% a year earlier and up 4.12 percentage points from the prior quarter.
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Analysis
Affirm Holdings (AFRM) Return on Sales [ROS] (2019 - 2026) Analysis & Trends
For FY2026 (ended Jun 30, 2026), Affirm Holdings' Return on Sales [ROS] was 9.79%, up 12.49 percentage points from FY2025.
- Return on Sales [ROS] has increased in each of the last three fiscal years, with a five-year change of +53.86 percentage points (FY2021 to FY2026).
- Going back by fiscal year, Return on Sales [ROS] was -2.71% in FY2025 (+23.80 pp), -26.51% in FY2024 (+49.11 pp), -75.62% in FY2023 (-11.44 pp) and -64.19% in FY2022 (-20.11 pp).
- The fiscal Q4 2026 figure represents the highest quarterly Return on Sales [ROS] since fiscal Q4 2020.
- Year-over-year, Return on Sales [ROS] has increased for 13 consecutive quarters, with an average year-over-year change of +18.60 percentage points over the last eight quarters.
- The fastest year-over-year change in Return on Sales [ROS] over five years came in fiscal Q2 2024 (a gain of 60.86 percentage points), and the weakest in fiscal Q1 2022 (a drop of 42.51 percentage points).
- Business Quant data shows AFRM's Return on Sales [ROS] at 8.51% (Q3 2026), 10.47% (Q2 2026) and 6.82% (Q1 2026) in the three fiscal quarters before Q4 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROS (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 42.82 Bn | 31.64 Bn | - | 40.10% |
| 2 | Orix | 38.85 Bn | 7.58 Bn | 12.74 Bn | 6.19% |
| 3 | Royalty Pharma | 30.02 Bn | 27.40 Bn | - | 59.53% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.05 Bn | 26.05 Bn | - | 467.76% |
| 5 | Synchrony Financial | 23.55 Bn | -44.08 Bn | - | 43.96% |
| 6 | Affirm Holdings | 23.27 Bn | 16.32 Bn | - | 14.82% |
| 7 | Royal Gold | 22.53 Bn | 21.71 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 14.32 Bn | 5.27 Bn | - | 51.56% |
| 9 | Ares Capital | 13.77 Bn | 11.52 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 12.90 Bn | -5.77 Bn | - | 487.58% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 14.82% |
| Jun 30, 2026 | 12.63% |
| Mar 31, 2026 | 8.51% |
| Dec 31, 2025 | 10.47% |
| Sep 30, 2025 | 6.82% |
| Jun 30, 2025 | 6.63% |
| Mar 31, 2025 | -1.07% |
| Dec 31, 2024 | -0.50% |
| Sep 30, 2024 | -18.99% |
| Jun 30, 2024 | -11.14% |
| Mar 31, 2024 | -27.91% |
| Dec 31, 2023 | -29.12% |
| Sep 30, 2023 | -42.18% |
| Jun 30, 2023 | -54.69% |
| Mar 31, 2023 | -81.38% |
| Dec 31, 2022 | -89.98% |
| Sep 30, 2022 | -79.49% |
| Jun 30, 2022 | -76.13% |
| Mar 31, 2022 | -63.86% |
| Dec 31, 2021 | -54.35% |
API Access
Affirm Holdings Return on Sales [ROS] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-sales-%5Bros%5D&ticker=AFRM&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-sales-[ros]", "ticker": "AFRM", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-sales-%5Bros%5D&ticker=AFRM&period=max&api_key=YOUR_API_KEY");
const data = await res.json();