Company / FCF Margin
Affirm Holdings, Inc. FCF Margin History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
18.7%
FY2025
5-year range
-40.5% / 18.7%
FY2021-FY2025
Trend
+49.0%
vs FY2024
Sector context
#112 of 206
Financials
What the data says
At 18.7%, Affirm Holdings, Inc.'s fcf margin ranks #112 of 206 in the Financials sector. FCF Margin has increased for 4 consecutive years, from -40.5% in FY2021 to 18.7% in FY2025.
Based on SEC 10-K filings.
18.7% in FY2025 with a 5-year CAGR of +36.8%.
Improved from -6.8% to 18.7% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- +36.8pp
- 5-Year Change
- +36.8pp
- 10-Year Change
- -
Sector benchmark
#112 of 206 in FinancialsTop 54% of 206This company 18.7% Sector average 207.7%
▼
-91.0% below sector average
Key checks
Key Insights
- Affirm Holdings, Inc.'s fcf margin has grown for 4 consecutive years.
- In FY2025, fcf margin increased 49.0% year-over-year.
- Currently 189.0pp below the Financials sector average.
- Lowest fcf margin in the period was in FY2021.
Company context
Key Data Points
- Altman Z-Score 0.19 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 18.7% | +49.0% |
| FY2024 | 12.5% | +283.0% |
| FY2023 | -6.8% | +62.3% |
| FY2022 | -18.1% | +55.2% |
| FY2021 | -40.5% | -123.5% |
| FY2020 | -18.1% | +55.2% |
| FY2019 | -40.5% | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026