stockrowAffirm Holdings, Inc.
AFRM Financial Credit Services
Affirm Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $4.3 billion, up 32.2% from fiscal 2025.
- Revenue
- +35.2%
- EPS
- +100.0%
- Free cash flow
- −54.9%
- Total debt
- +27.8%
Quarter to September 2026, against a year earlier
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Affirm Holdings, Inc. (AFRM) Gross margin
Affirm Holdings, Inc.'s gross margin over the twelve months to 30 September 2026 was 0.00%, down 57.4 percentage points from fiscal 2026 (57.4%). Over the past ten years it has ranged from 33.5% (fiscal 2023) to 59.9% (fiscal 2020); the current reading is higher than 88% of that period. That is below the Credit Services industry median of 76.6% and below the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2026 | 57.4% | 3.09 |
| FY2025 | 54.3% | 5.52 |
| FY2024 | 48.8% | 15.31 |
| FY2023 | 33.5% | (18.62) |
| FY2022 | 52.1% | (4.74) |
| FY2021 | 56.9% | (3.01) |
| FY2020 | 59.9% | 10.79 |
| FY2019 | 49.1% | — |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 0.00% | (58.84) |
| Jun 2026 | 58.8% | 3.86 |
| Mar 2026 | 55.0% | (4.49) |
| Dec 2025 | 59.5% | 3.61 |
| 25 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| SYF Synchrony Financial compare | 83.2% |
| OMF OneMain Holdings, Inc. compare | 79.8% |
| COF Capital One Financial Corporation compare | 79.4% |
| SOFI SoFi Technologies, Inc. compare | 77.4% |
| ALLY Ally Financial Inc. compare | 61.8% |
| KLAR Klarna Group plc compare | 58.2% |
| FCFS FirstCash Holdings, Inc. compare | 50.2% |
| PYPL PayPal Holdings, Inc. compare | 40.6% |
| AFRM Affirm Holdings, Inc. | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on AFRM
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement