TTM
28.1%
YoY change
+22.18pp
Trough year (2022)
-44.6%
Peak year (2025)
22.1%
Latest annual
22.1%
EBITDA Margin history chart for Affirm Holdings (AFRM) from 2019 to 2025
Latest: 22.1%
EBITDA Margin change chart for Affirm Holdings (AFRM) from 2019 to 2025
Latest: +22.18pp
EBITDA Margin history table for Affirm Holdings (AFRM) from 2019 to 2025
| 2025 | 22.1% | +22.18pp | ||
| 2024 | -0.1% | +42.20pp | ||
| 2023 | -42.3% | +2.35pp | ||
| 2022 | -44.6% | -2.06pp | ||
| 2021 | -42.6% | -28.76pp | ||
| 2020 | -13.8% | +19.93pp | ||
| 2019 | -33.8% | — |
- 202522.1%+22.18pp
- 2024-0.1%+42.20pp
- 2023-42.3%+2.35pp
- 2022-44.6%-2.06pp
- 2021-42.6%-28.76pp
- 2020-13.8%+19.93pp
- 2019-33.8%—
EBITDA Margin values are taken from Affirm Holdings's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About EBITDA Margin at Affirm Holdings (AFRM)
According to Affirm Holdings's latest reported financial statements, the company's latest reported EBITDA margin is 28.1%. EBITDA margin is EBITDA divided by revenue — earnings before interest, taxes, depreciation, and amortization as a percentage of sales. By stripping out non-cash charges and capital-structure effects, it approximates operating cash profitability and is widely used to compare companies with different asset bases and leverage.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
As of the 2025 fiscal year, Affirm Holdings (AFRM) reported EBITDA margin of 22.08% – expanded 22.2 percentage points year-over-year.
The highest annual EBITDA margin of 22.08% was reported in 2025. The lowest in the available history was -44.65% in 2022.
Affirm Holdings EBITDA Margin by Year
Affirm Holdings EBITDA Margin 2025: 22.1%
Affirm Holdings posted EBITDA margin of 22.08% in 2025, expanded 22.2 percentage points from 2024. This figure represents the highest annual value in the available history.
Affirm Holdings EBITDA Margin 2024: -0.1%
In 2024, Affirm Holdings reported EBITDA margin of -0.10%, expanded 42.2 percentage points from 2023.
Affirm Holdings EBITDA Margin 2023: -42.3%
Affirm Holdings EBITDA margin in 2023 was -42.29%, expanded 2.4 percentage points from 2022.
Affirm Holdings EBITDA Margin 2022: -44.6%
2022's EBITDA margin for Affirm Holdings came in at -44.65%, contracted 2.1 percentage points from 2021. This figure represents the lowest annual value in the available history.
Affirm Holdings EBITDA Margin 2021: -42.6%
Affirm Holdings EBITDA margin in 2021 was -42.59%.
See more financial history for Affirm Holdings (AFRM).
Sector peers by EBITDA Margin
Technology peers of Affirm Holdings (AFRM), ranked by their latest EBITDA margin
| 76.0% | |
| 76.0% | |
| 63.9% | |
| 63.1% | |
| 55.3% | |
| 38.6% | |
| 35.5% | |
| 21.6% |
- 76.0%
- 76.0%
- 63.1%
- 55.3%
- 38.6%
- 35.5%
- 21.6%
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