Affirm Holdings, Inc. (AFRM) FinancialsAFRMAffirm Holdings, Inc.

Evaluating the bottom line, Affirm Holdings, Inc. maintains a gross margin of 93.46%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 22.79%, while the net margin is 138.65%. These profitability ratios, combined with a Return on Equity (ROE) of 45.13%, provide a clear picture of how effectively AFRM converts its operational activities into shareholder value.

In the context of the broader market, AFRM competes directly with industry leaders such as SYF and SUNB. With a market capitalization of $26.28B, it holds a significant position in the sector. When comparing efficiency, AFRM's gross margin of 93.46% stands against SYF's N/A and SUNB's 36.40%. Such benchmarking helps identify whether Affirm Holdings, Inc. is trading at a premium or discount relative to its financial performance.

Affirm has demonstrated impressive revenue growth, with Q4 2026 revenue reaching $1.166 billion and a net income of $1.616 billion, resulting in a net margin of 138.65%.