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
Follow AFRM
Alert me
Affirm Holdings, Inc. (AFRM) Net margin
Affirm Holdings, Inc.'s net margin over the twelve months to 30 September 2026 was 43.9%, down 1.4 percentage points from fiscal 2026 (45.3%). Over the past ten years it has ranged from −62.1% (fiscal 2023) to 45.3% (fiscal 2026) — the current reading is the highest in ten years. That is above the Credit Services industry median of 8.35% and above the Financial sector median of 14.3%.
Net margin, annual
Embed this chart
Annual newest first
| Period | Net margin | Change (points) |
|---|---|---|
| FY2026 | 45.3% | 43.67 |
| FY2025 | 1.62% | 23.91 |
| FY2024 | −22.3% | 39.76 |
| FY2023 | −62.1% | (9.62) |
| FY2022 | −52.4% | (1.76) |
| FY2021 | −50.7% | (25.98) |
| FY2020 | −24.7% | 26.21 |
| FY2019 | −50.9% | — |
Quarterly newest first
| Period | Net margin | Change (points) |
|---|---|---|
| Sep 2026 | 13.0% | (125.64) |
| Jun 2026 | 138.7% | 128.74 |
| Mar 2026 | 9.91% | (1.63) |
| Dec 2025 | 11.5% | 2.89 |
| 25 more quarters | Free account |
Against its own ten years
Net margin against peers
| Company | Net margin |
|---|---|
| AFRM Affirm Holdings, Inc. | 43.9% |
| SYF Synchrony Financial compare | 14.0% |
| PYPL PayPal Holdings, Inc. compare | 13.8% |
| COF Capital One Financial Corporation compare | 13.3% |
| SOFI SoFi Technologies, Inc. compare | 12.1% |
| OMF OneMain Holdings, Inc. compare | 11.8% |
| FCFS FirstCash Holdings, Inc. compare | 9.48% |
| ALLY Ally Financial Inc. compare | 8.47% |
| KLAR Klarna Group plc compare | −3.52% |
| Credit Services industry median | 8.35% |
| Financial sector median | 14.3% |
| Market median | 1.06% |
What Net margin is
Net Profit Margin tells an investor how much of each unit of revenue ends up as profit for shareholders after all costs, interest and taxes.
Net Income Allotted to Shareholders ÷ Revenue
More on AFRM
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating 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