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) Operating margin
Affirm Holdings, Inc.'s operating margin over the twelve months to 30 September 2026 was 11.8%, up 2.0 percentage points from fiscal 2026 (9.79%). Over the past ten years it has ranged from −75.6% (fiscal 2023) to 9.79% (fiscal 2026) — the current reading is the highest in ten years. That is above the Credit Services industry median of 0.34% and above the Financial sector median of 0.00%.
Operating margin, annual
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Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2026 | 9.79% | 12.50 |
| FY2025 | −2.71% | 23.80 |
| FY2024 | −26.5% | 49.11 |
| FY2023 | −75.6% | (11.43) |
| FY2022 | −64.2% | (20.11) |
| FY2021 | −44.1% | (22.93) |
| FY2020 | −21.2% | 27.06 |
| FY2019 | −48.2% | — |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Sep 2026 | 14.8% | 2.19 |
| Jun 2026 | 12.6% | 4.12 |
| Mar 2026 | 8.51% | (1.96) |
| Dec 2025 | 10.5% | 3.65 |
| 25 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| PYPL PayPal Holdings, Inc. compare | 17.0% |
| FCFS FirstCash Holdings, Inc. compare | 15.9% |
| AFRM Affirm Holdings, Inc. | 11.8% |
| SOFI SoFi Technologies, Inc. compare | 0.00% |
| COF Capital One Financial Corporation compare | 0.00% |
| SYF Synchrony Financial compare | 0.00% |
| ALLY Ally Financial Inc. compare | 0.00% |
| OMF OneMain Holdings, Inc. compare | 0.00% |
| KLAR Klarna Group plc compare | −1.21% |
| Credit Services industry median | 0.34% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross 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