Affirm Holdings (STU:78P) FCF Margin %: 31.30% (As of Mar. 2026)


What is Affirm Holdings FCF Margin %?

Affirm Holdings STU:78P 82 FCF Margin % is 31.30% 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 531 Credit Services companies, Affirm Holdings ranks better than 64.78% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Affirm Holdings's Free Cash Flow for the three months ended in Mar. 2026 was $325.10 Mil. Affirm Holdings's Revenue for the three months ended in Mar. 2026 was $1,038.77 Mil. Therefore, Affirm Holdings's FCF Margin % for the quarter that ended in Mar. 2026 was 31.30%.

As of today, Affirm Holdings's current FCF Yield % is 3.03%.

The historical rank and industry rank for Affirm Holdings's FCF Margin % or its related term are showing as below:


During the past 7 years, the highest FCF Margin % of Affirm Holdings was 18.66%. The lowest was -41.19%. And the median was -18.12%.

STU:78P's FCF Margin % is not ranked *
in the Credit Services industry.
Industry Median: 0.24
* Ranked among companies with meaningful FCF Margin % only.

Affirm Holdings FCF Margin % Related Terms

Affirm Holdings FCF Margin % Historical Data

* Premium members only.

The historical data trend for Affirm Holdings's FCF 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.

Affirm Holdings FCF Margin % Chart

Affirm Holdings Annual Data
Trend Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
FCF Margin %
Get a 7-Day Free Trial -24.51 -20.30 -6.84 12.52 18.66

Affirm Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.10 2.68 34.31 10.51 31.30

STU:78P vs SYF, SOFI, ALLY: FCF Margin % Comparison

For the Credit Services subindustry, Affirm Holdings's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Affirm Holdings's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Affirm Holdings's FCF Margin % falls into.


Affirm Holdings FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Affirm Holdings's FCF Margin for the fiscal year that ended in Jun. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Jun. 2025 )/Revenue (A: Jun. 2025 )
=601.72/3224.412
=18.66 %

Affirm Holdings's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=325.096/1038.765
=31.30 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 31.30% mean?
Affirm Holdings (STU:78P) has a FCF Margin % of 31.30% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Affirm Holdings and its competitors. According to the industry distribution chart, Affirm Holdings ranks #187 out of 531 companies in the Credit Services industry, placing it in the top 35.2%.
Is Affirm Holdings' FCF Margin % too high?
Affirm Holdings' current FCF Margin % is 31.30%. The Credit Services industry median FCF Margin % is 0.24. Affirm Holdings' value of 31.30% is 12941.7% above this industry median. Based on the distribution chart, Affirm Holdings ranks #187 out of 531 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' FCF Margin % compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #187 out of 531 companies for FCF Margin %. This puts Affirm Holdings in the upper half of its industry. The industry median FCF Margin % is 0.24. Affirm Holdings' value of 31.30% is 12941.7% 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affirm Holdings's current FCF Margin % of 31.30% is 12941.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Affirm Holdings and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affirm Holdings's current FCF Margin % is 31.30%. 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 FCF Margin % of 31.30%. The current FCF Margin % is 31.30% and 12941.7% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current FCF Margin % is 31.30% 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.

Affirm Holdings Business Description

Address 650 California Street, San Francisco, CA, USA, 94108
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.