Where do Affirm Holdings, Inc.'s ratios come from?

Every ratio is computed from Affirm Holdings, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q3 '26	Q2 '26	Q1 '26	Q4 '25	Q3 '25
Profitability
Net margin	9.6%+2.0pp	7.6%+0.9pp	6.7%+5.1pp	1.6%+3.7pp	-2.1%+5.0pp
EBITDA margin	18.3%+1.8pp	16.5%+2.9pp	13.6%+5.7pp	8%+7.7pp	0.3%+6.2pp
Free cash flow margin	19.8%+3.2pp	16.7%-5.6pp	22.2%+3.6pp	18.7%-1.6pp	20.2%-1.6pp
Returns
Return on equity	11.5%+2.6pp	8.9%+1.3pp	7.6%+5.8pp	1.8%+4.1pp	-2.3%+5.1pp
Return on assets	3.2%+0.8pp	2.4%+0.3pp	2.2%+1.7pp	0.5%+1.1pp	-0.6%+1.4pp
Return on invested capital	4.4%+1.1pp	3.3%-0.6pp	3.9%+2.0pp	1.9%+6.3pp	-4.4%+2.8pp
Efficiency
Asset turnover	0.3×0.0×	0.3×0.0×	0.3×0.0×	0.3×0.0×	0.3×0.0×
Leverage
Debt-to-equity	2.5×-0.3×	2.8×+0.2×	2.6×+2.5×	0×-2.7×	2.7×-0.2×
Debt-to-assets	0.7×0.0×	0.8×0.0×	0.7×+0.7×	0×-0.7×	0.8×0.0×
Net debt / EBITDA	9.4×-3.1×	12.5×-0.9×	13.4×+20.2×	-6.7×-804×	797.7×—
Interest coverage	1×+0.2×	0.8×+0.3×	0.5×+0.5×	0.1×+0.6×	-0.5×+0.4×
Per Share
Book value per share	$10.87+7.1%	$10.15+7.2%	$9.47+5.3%	$9.00+7.8%	$8.35+3.5%
Valuation
Market capitalization	$15.26B-37.9%	$24.57B+3.2%	$23.8B+12.4%	$21.18B+46.4%	$14.47B-23.5%
Enterprise value	$22.12B-31.5%	$32.28B+7.1%	$30.15B+54.9%	$19.46B-5.5%	$20.59B-18.7%
Price / earnings	39.9×-47.1×	87×-15.1×	102.1×-304×	405.9×—	——
Price / sales	3.8×-2.8×	6.6×-0.3×	6.9×+0.3×	6.6×+1.8×	4.8×-1.9×
Price / book	4×-2.9×	6.9×-0.3×	7.2×+0.3×	6.9×+1.9×	5×-1.8×
EV / EBITDA	30.4×-22.1×	52.5×-11.3×	63.9×-11.8×	75.6×-2,608×	2,683.2×—
EV / sales	5.6×-3.1×	8.7×0.0×	8.7×+2.7×	6×-0.8×	6.8×-2.2×
Free cash flow yield	5.2%+2.6pp	2.5%-0.7pp	3.2%+0.4pp	2.8%-1.4pp	4.2%+1.0pp
Earnings yield	2.5%+1.4pp	1.1%+0.2pp	1%+0.7pp	0.2%+0.7pp	-0.4%+0.6pp

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Where do Affirm Holdings, Inc.'s ratios come from?: Every ratio is computed from Affirm Holdings, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.