Affirm Holdings, Inc. (AFRM) Earnings History
Annual and quarterly earnings data from 2019 to 2025
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 67.5% | -2.7% | 1.6% |
| 2024 | 63.6% | -26.5% | -22.3% |
| 2023 | 45.0% | -75.6% | -62.1% |
| 2022 | 57.3% | -64.2% | -52.4% |
| 2021 | 62.9% | -44.1% | -50.7% |
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Affirm Holdings, Inc. (AFRM) Earnings Overview
As of February 28, 2026, Affirm Holdings, Inc. (AFRM) reported trailing twelve-month net income of $282M, reflecting +1.1% year-over-year growth. The company earned $0.81 per diluted share over the past four quarters, with a net profit margin of 0.0%.
Looking at the long-term picture, AFRM's historical earnings data spans multiple years. The company achieved its highest annual net income of $52M in fiscal 2025, representing a new all-time high.
Affirm Holdings, Inc. maintains positive profitability with a gross margin of 0.7%, operating margin of -0.0%, and net margin of 0.0%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including XYZ ($1.30B net income, 0.1% margin), CPAY ($1.05B net income, 0.3% margin), TOST ($342M net income, 0.1% margin), AFRM has room to improve margins relative to the peer group. Compare AFRM vs XYZ →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $52M | +110.1% | -$87M | $0.15 | 1.6% | -2.7% |
| 2024 | -$518M | +47.5% | -$616M | $-1.67 | -22.3% | -26.5% |
| 2023 | -$985M | -39.3% | -$1.20B | $-3.34 | -62.1% | -75.6% |
| 2022 | -$707M | -60.4% | -$866M | $-2.51 | -52.4% | -64.2% |
| 2021 | -$441M | -291.7% | -$384M | $-1.64 | -50.7% | -44.1% |
| 2020 | -$113M | +6.5% | -$108M | $-0.44 | -22.1% | -21.2% |
| 2019 | -$120M | - | -$102M | $-0.47 | -45.6% | -38.4% |
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Start ComparisonFrequently Asked Questions
Is AFRM growing earnings?
AFRM EPS of $0.81 reflects slowing growth at +1.1%, below the 5-year CAGR of N/A. TTM net income is $282M. Expansion rate has moderated.
What are AFRM's profit margins?
Affirm Holdings, Inc. net margin is +0.0%, with operating margin at -0.0%. Below-average margins reflect competitive or cost pressures.
How consistent are AFRM's earnings?
AFRM earnings data spans 2019-2025. The current earnings trend is +1.1% YoY. Historical data enables comparison across business cycles.