XNAS · Technology · Software - Infrastructure
Affirm Holdings Inc 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.
Affirm delivered a commanding quarter, with **$4.62 EPS** and **$1.2B revenue** both well above estimates, but the real signal is the amended credit facility, which should support continued BNPL scale. Revenue growth remains explosive and the **$4.0B** revenue guide looks credible, though **-$588M** operating income shows profitability is still not clean.
AI-generated summary — powered by BigEarnings.
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-08-27 | Q4 2026 | 0.72 | 0.48 | -33.33% | $1.17B | ❌ Miss | +9.70% | — | — |
| 2026-05-07 | Q3 2026 | 0.62 | 0.30 | -51.61% | $1.04B | ❌ Miss | -0.55% | +0.31% | -5.57% |
| 2026-02-05 |
| Q2 2026 |
| 0.61 |
| 0.37 |
| -39.34% |
| $1.12B |
| ❌ Miss |
| -6.34% |
| -16.26% |
| -12.99% |
| 2025-11-06 | Q1 2026 | 0.41 | 0.23 | -43.90% | $933.3M | ❌ Miss | — | — | — |
| 2025-08-28 | Q4 2025 | 0.30 | 0.20 | -33.33% | $876.4M | ❌ Miss | — | — | — |
| 2025-02-06 | Q2 2025 | -0.23 | 0.23 | +200.00% | $866.4M | ✅ Beat | +21.81% | +28.39% | -24.86% |
| 2024-11-07 | Q1 2025 | -0.35 | -0.31 | +11.43% | $698.5M | ✅ Beat | -4.73% | +9.06% | +41.05% |
| 2024-08-28 | Q4 2024 | -0.51 | -0.14 | +72.55% | $659.2M | ✅ Beat | +31.92% | +27.39% | +30.34% |
Showing last 8 quarters.