AFRM — Affirm Holdings, Inc.
NASDAQ · Technology · Software - Infrastructure
About Affirm Holdings, Inc.
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-08-27 | Q4 2026 | 0.35 | 0.48 | -33.33% | $1.17B | ✅ Beat | +0.35% | -4.12% | -13.27% |
| 2026-05-07 | Q3 2026 | 0.62 | 0.30 | -51.61% | $1.04B | ❌ Miss | -4.97% | +0.31% | -2.82% |
| 2026-02-05 | Q2 2026 | 0.61 | 0.37 | -39.34% | $1.12B | ❌ Miss | -4.02% | -16.26% | -14.49% |
| 2025-11-06 | Q1 2026 | 0.41 | 0.23 | -43.90% | $933.3M | ❌ Miss | +11.61% | +10.95% | +3.26% |
| 2025-08-28 | Q4 2025 | 0.30 | 0.20 | -33.33% | $876.4M | ❌ Miss | +10.59% | +9.18% | -4.29% |
| 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% | +25.52% | +30.34% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q4 FY26 · $387.5M total
| Segment | Share | Revenue | YoY | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 |
|---|---|---|---|---|---|---|---|
| Merchant Network | 78.0% | $302.4M | +26.3% | $244.9M | $214.0M | $239.5M | — |
| Virtual Card Network | 22.0% | $85.2M | +26.9% | $58.1M | $58.6M | $67.1M | — |
By region
Q2 FY23 · $399.6M total
| Segment | Share | Revenue | YoY | Q4 FY21 | Q1 FY22 | Q2 FY22 | Q3 FY22 |
|---|---|---|---|---|---|---|---|
| UNITED STATES | 97.7% | $390.4M | +11.4% | $254.2M | $261.6M | $350.5M | $344.7M |
| CANADA | 2.3% | $9.1M | -13.3% | $7.6M | $7.8M | $10.5M | $10.0M |
| Other Geographical | 0.0% | $48K | — | — | — | — | $56K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.