Affirm Holdings reported a net margin of 138.65% for the quarter ended Jun 2026. These financial ratios cover 27 quarters of results from Dec 2019 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||
| EBT Margin | -113.76% | -44.17% | -15.34% | -56.17% | -69.53% | -81.09% | -54.21% | -46.49% | -34.39% | -28.35% | -23.09% | -6.70% | -14.08% | 9.56% | 0.68% | 8.17% | 8.89% | 11.86% | 10.34% | 14.50% | |||||||
| EBIT Margin | -61.65% | -54.35% | -63.86% | -76.13% | -79.49% | -89.98% | -81.38% | -54.69% | -42.18% | -29.12% | -27.91% | -11.14% | -18.99% | -0.50% | -1.07% | 6.63% | 6.82% | 10.47% | 8.51% | 12.63% | |||||||
| EBITDA Margin | -61.65% | -54.35% | -63.86% | -76.13% | -79.49% | -89.98% | -81.38% | -54.69% | -42.18% | -29.12% | -27.91% | -11.14% | -18.99% | -0.50% | -1.07% | 6.63% | 6.82% | 10.47% | 8.51% | 12.63% | |||||||
| Operating Margin | -61.65% | -54.35% | -63.86% | -76.13% | -79.49% | -89.98% | -81.38% | -54.69% | -42.18% | -29.12% | -27.91% | -11.14% | -18.99% | -0.50% | -1.07% | 6.63% | 6.82% | 10.47% | 8.51% | 12.63% | |||||||
| Net Margin | -113.83% | -44.25% | -15.42% | -51.19% | -69.48% | -80.69% | -53.99% | -46.20% | -34.60% | -28.24% | -23.25% | -6.85% | -14.35% | 9.28% | 0.36% | 7.90% | 8.65% | 11.53% | 9.90% | 138.65% | |||||||
| FCF Margin | -550.26% | -898.90% | -818.85% | -794.17% | -744.86% | -955.85% | -824.49% | -879.31% | -831.90% | -1,020.03% | -870.52% | -889.37% | -886.42% | -963.96% | -953.31% | -1,111.68% | -1,009.58% | -1,112.30% | -1,015.53% | -1,112.06% | |||||||
| Efficiency | |||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 5.13B | 6.18B | 6.99B | 7.00B | 7.07B | 7.48B | 7.66B | 7.83B | 8.28B | 8.74B | 9.13B | 9.36B | 9.83B | 10.31B | 10.46B | 10.80B | 11.32B | 12.22B | 13.05B | 14.47B | |||||||
| Invested CapitalInvested Cap. | 4.00B | 4.05B | 4.02B | 4.25B | 4.28B | 4.39B | 4.30B | 4.70B | 4.97B | 5.38B | 5.86B | 4.57B | 6.82B | 6.77B | 6.96B | 4.69B | 5.08B | 6.59B | 6.20B | 8.82B | |||||||
| Asset Utilization RatioAsset Util. | 0.19 | 0.18 | 0.18 | 0.19 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.22 | 0.23 | 0.25 | 0.26 | 0.27 | 0.29 | 0.30 | 0.31 | 0.30 | 0.30 | 0.29 | |||||||
| Leverage & Solvency | |||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | -9.91 | -11.08 | -14.32 | -14.28 | -11.47 | -8.22 | -6.06 | -3.87 | -2.83 | -2.03 | -1.78 | -0.77 | -1.27 | -0.04 | -0.08 | 0.55 | 0.58 | 1.05 | 0.78 | 1.24 | |||||||
| Debt Ratio | 0.30 | 0.23 | 0.21 | 0.23 | 0.24 | 0.24 | 0.24 | 0.27 | 0.29 | 0.30 | 0.35 | 0.19 | 0.39 | 0.38 | 0.39 | 0.15 | 0.15 | 0.24 | 0.18 | 0.21 | |||||||
| Times Interest Earned | -9.91 | -11.08 | -14.32 | -14.28 | -11.47 | -8.22 | -6.06 | -3.87 | -2.83 | -2.03 | -1.78 | -0.77 | -1.27 | -0.04 | -0.08 | 0.55 | 0.58 | 1.05 | 0.78 | 1.24 | |||||||
| Valuation | |||||||||||||||||||||||||||
| Price to EarningsP/E | -217.06 | -357.45 | -483.47 | -55.69 | -43.23 | -17.58 | -32.28 | -44.37 | -74.56 | -179.91 | -171.65 | -416.38 | -255.76 | 480.32 | 0.00B | 324.63 | 298.91 | 190.88 | 149.14 | 17.01 | |||||||
| Price to SalesP/S | 247.08 | 158.18 | 74.56 | 28.50 | 30.04 | 14.18 | 17.43 | 20.50 | 25.79 | 50.80 | 39.91 | 28.51 | 36.70 | 44.55 | 18.61 | 25.65 | 25.84 | 22.02 | 14.77 | 23.58 | |||||||
| Price to BookP/B | 28.00 | 23.14 | 10.27 | 3.96 | 4.24 | 2.26 | 2.64 | 3.61 | 4.99 | 11.40 | 8.76 | 6.88 | 9.04 | 13.86 | 5.07 | 7.32 | 7.31 | 6.97 | 4.06 | 5.01 | |||||||
| Enterprise Value | 65.12B | 54.54B | 24.19B | 9.12B | 9.33B | 4.23B | 5.67B | 8.25B | 11.73B | 28.99B | 21.72B | 17.78B | 24.59B | 37.40B | 13.22B | 21.12B | 22.69B | 23.20B | 13.62B | 25.87B | |||||||
| EV to EBIT | -392.13 | -277.97 | -106.77 | -32.91 | -32.46 | -11.76 | -18.28 | -33.82 | -56.00 | -168.41 | -135.08 | -242.05 | -185.39 | -0.00B | -0.00B | 363.80 | 356.44 | 197.22 | 154.01 | 175.65 | |||||||
| EV to EBITDA | -392.13 | -277.97 | -106.77 | -32.91 | -32.46 | -11.76 | -18.28 | -33.82 | -56.00 | -168.41 | -135.08 | -242.05 | -185.39 | -0.00B | -0.00B | 363.80 | 356.44 | 197.22 | 154.01 | 175.65 | |||||||
| Market Capitalization | 66.56B | 57.11B | 26.45B | 10.38B | 10.86B | 5.67B | 6.64B | 9.14B | 12.81B | 30.03B | 22.99B | 18.79B | 25.63B | 38.60B | 14.57B | 22.48B | 24.12B | 24.73B | 15.34B | 27.50B | |||||||
| Price to FCFP/FCF | -44.90 | -17.60 | -9.11 | -3.59 | -4.03 | -1.48 | -2.11 | -2.33 | -3.10 | -4.98 | -4.58 | -3.21 | -4.14 | -4.62 | -1.95 | -2.31 | -2.56 | -1.98 | -1.45 | -2.12 | |||||||
| EV to FCF | -43.93 | -16.81 | -8.33 | -3.16 | -3.46 | -1.11 | -1.80 | -2.10 | -2.84 | -4.81 | -4.33 | -3.03 | -3.97 | -4.48 | -1.77 | -2.17 | -2.41 | -1.86 | -1.29 | -1.99 | |||||||
| EV to CFO | 178.34 | -123.88 | -864.50 | -154.37 | 182.20 | -148.07 | -104.40 | 188.33 | 118.59 | 390.08 | 104.34 | 258.58 | 124.89 | 119.86 | 62.85 | 283.02 | 60.58 | 133.52 | 35.24 | 87.34 | |||||||
| Return Ratios | |||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | -61.65% | -54.35% | -63.86% | -76.13% | -79.49% | -89.98% | -81.38% | -54.69% | -42.18% | -29.12% | -27.91% | -11.14% | -18.99% | -0.50% | -1.07% | 6.63% | 6.82% | 10.47% | 8.51% | 12.63% | |||||||
| Return on Invested Capital [ROIC]ROIC | -13.29% | -17.01% | -17.38% | -20.45% | -22.54% | -25.90% | -27.80% | -26.58% | -23.17% | -18.05% | -13.99% | -11.86% | -9.53% | -5.64% | -3.65% | -1.27% | 2.14% | 3.81% | 4.96% | 21.75% | |||||||
| Return on Assets [ROA]ROA | -14.48% | -14.19% | -9.22% | -10.10% | -9.22% | -10.89% | -12.61% | -12.58% | -10.94% | -8.59% | -7.43% | -5.53% | -4.54% | -1.93% | -0.59% | 0.48% | 2.06% | 2.31% | 2.93% | 13.34% |