Affirm HoldingsSTU:78P 82 EBITDA Margin % is 28.51% as of Mar. 2026. GuruFocus rates STU:78P with a GF Score™ of 82/100. The stock has 7 warning signs investors should review. Among 414 Credit Services companies, Affirm Holdings ranks better than 59.9% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Affirm Holdings's EBITDA for the
three
months ended in Mar. 2026 was $296.20 Mil. Affirm Holdings's Revenue for the
three
months ended in Mar. 2026 was $1,038.77 Mil. Therefore, Affirm Holdings's EBITDA margin for the quarter that ended in Mar. 2026 was 28.51%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Affirm Holdings EBITDA Margin % Related Terms
Affirm Holdings EBITDA Margin % Historical Data
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The historical data trend for Affirm Holdings's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:78P vs SYF, SOFI, ALLY: EBITDA Margin % Comparison
For the Credit Services subindustry, Affirm Holdings's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Affirm Holdings EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Affirm Holdings's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Affirm Holdings (STU:78P) has a EBITDA Margin % of 28.51% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #166 out of 414 companies in the Credit Services industry, placing it in the top 40.1%.
Is Affirm Holdings' EBITDA Margin % too high?
Affirm Holdings' current EBITDA Margin % is 28.51%. The Credit Services industry median EBITDA Margin % is 20.91. Affirm Holdings' value of 28.51% is 36.3% above this industry median. Based on the distribution chart, Affirm Holdings ranks #166 out of 414 companies in the Credit Services industry, which is above the industry midpoint. Overall, Affirm Holdings has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' EBITDA Margin % compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #166 out of 414 companies for EBITDA Margin %. This puts Affirm Holdings in the upper half of its industry. The industry median EBITDA Margin % is 20.91. Affirm Holdings' value of 28.51% is 36.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current EBITDA Margin % of 28.51% is 36.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current EBITDA Margin % is 28.51%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affirm Holdings stock overvalued right now?
Affirm Holdings (STU:78P) has a current EBITDA Margin % of 28.51%. The current EBITDA Margin % is 28.51% and 36.3% above the Credit Services industry median of 20.91. Affirm Holdings' overall GF Score™ is 82/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current EBITDA Margin % is 28.51% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
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