Affirm Financial Ratios
NASDAQ: AFRMFinanceFinance: Consumer ServicesUSD
80.70+3.55 (+4.60%)
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Affirm ratio analysis
Affirm earned a net margin of 45.3% in FY 2026, up from 1.6% a year earlier. Return on equity reached 35.2%, meaning Affirm generated 0.35 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 1.79 versus 2.48 the year before.
Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Affirm financial ratios (annual)
| Ratio | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 15.29 | 461.27 | — | — | — | — | — | — |
| Price / sales | 6.65 | 6.93 | 4.03 | 2.85 | 3.59 | 12.53 | — | — |
| Price / book | 5.17 | 7.28 | 3.43 | 1.79 | 1.85 | 4.23 | — | — |
| Operating margin | 9.8% | -2.7% | -26.5% | -75.6% | -64.2% | -44.1% | -21.2% | -48.2% |
| Net margin | 45.3% | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% | -22.1% | -45.6% |
| Free cash flow margin | 23.3% | 18.7% | 12.5% | -6.8% | -18.4% | -24.5% | -18.1% | -40.5% |
| Return on equity (ROE) | 35.2% | 1.7% | -19.0% | -38.9% | -27.0% | -17.1% | — | — |
| Return on assets (ROA) | 12.2% | 0.5% | -5.4% | -12.1% | -10.1% | -9.1% | -8.0% | — |
| Debt / equity | 1.79 | 2.48 | 0.67 | — | — | — | — | — |
| Revenue growth | 32.2% | 38.8% | 46.3% | 17.7% | 55.0% | 70.8% | 92.7% | — |
| EPS growth | 3,586.7% | — | — | — | — | — | — | — |