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Affirm Holdings, Inc. AFRM Interest coverage

Interest coverage at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
1.8×0.0×
Synchrony Financial logo
Synchrony FinancialSYF
2.2×+0.3×
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
13.4×-0.8×
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
1.5×+0.3×
Fidelity National Information Services logo
Fidelity National Information ServicesFIS
3.6×-1.2×
Corpay logo
CorpayCPAY
5.2×+0.6×

Other financials

Income statement

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Revenue$1.0B+32.6%
Operating income$88.4M+1,154%
Net income$102.9M+3,570%
EPS (diluted)$0.30+2,900%

Balance sheet

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Cash & equivalents$2.5B+42.5%
Total debt$9.3B+18.8%
Total equity$3.8B+31.6%
Total assets$13.1B+25.9%

Cash flow

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Operating cash flow$386.5M+83.7%
CapEx$61.4M+15.8%
Free cash flow$325.1M+107%

Valuation

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Market cap$23.69B+5.5%
Enterprise value$30.55B+7.5%
P/E61.9×
P/S-1.5×

Profitability

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Operating margin-7.3%-3.2pp
Net margin9.6%+8.2pp

Returns & leverage

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Return on equity11.5%+9.9pp
Debt / equity2.5×-0.3×

Where this comes from

Calculated from Affirm Holdings, Inc.’s reported figures.

Based on trailing twelve months.

The official record: Affirm Holdings, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Affirm Holdings, Inc.'s interest coverage?
Affirm Holdings, Inc. (AFRM) reported interest coverage of 1× in Q1 2026.
How has Affirm Holdings, Inc.'s interest coverage changed year-over-year?
Affirm Holdings, Inc.'s interest coverage increased by 292.1% year-over-year, from -0.5× to 1×.
What is the long-term trend for Affirm Holdings, Inc.'s interest coverage?
Over 3 years (2022 to 2025), Affirm Holdings, Inc.'s interest coverage has grown at a -59.5% compound annual growth rate (CAGR), from -42.4× to -2.8×.
What does interest coverage mean?
How many times the company's operating profit covers its interest bill.
How do you interpret interest coverage?
Higher is safer; below ~2× is a warning that earnings provide little cushion against the debt burden. Debt-free companies have no interest expense and the ratio is left blank.
How does interest coverage compare across companies?
Comparable across leveraged non-financials; less relevant for net-cash companies with negligible interest.