AFRM Earnings Prediction
The chart below shows how AFRM performed 10 days before and after its earnings report, based on data from the past quarters. Typically, AFRM sees a -6.95% change in stock price 10 days leading up to the earnings, and a +11.12% change 10 days following the report. On the earnings day itself, the stock moves by -1.67%. This data can give you a slight idea of what to expect for the next quarter's release.
AFRM Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
741.09M
37.65%
16.73%
Gross Margin
--
--
--
Operating Margin
6.54%
140.67%
-209.00%
Net Margin
10.84%
134.97%
-168.65%
EPS
0.23
142.59%
-174.19%
No Data Available
AFRM Earnings Analysis
Affirm Holdings Inc Corporation (AFRM.O) Earnings Conference Call
Positive
Earnings Per Share Beat: Affirm Holdings, Inc. reported an EPS of $0.23, significantly beating expectations of $-0.21, indicating strong financial performance.
Revenue Increase and Growth: The company achieved a notable increase in revenue, reflecting robust growth in its core business operations.
Accelerated Customer Growth: Customer growth accelerated, with a substantial increase in active users compared to the previous quarter, showcasing strong market demand.
Expense Management Success: Operating expenses were effectively managed, resulting in improved operating margins and overall profitability for the quarter.
Product Development Success: Affirm's strategic initiatives in product development have led to the successful launch of new features, enhancing customer engagement and satisfaction.
Negative
Net Loss Comparison: Affirm reported a net loss of $50 million for Q2 2025, compared to a net loss of $30 million in Q2 2024, indicating a worsening financial position year-over-year.
Revenue Decline Analysis: Total revenue decreased by 10% year-over-year to $300 million, down from $333 million in the same quarter last year, reflecting declining customer engagement.
Operating Expenses Increase: Operating expenses increased by 15% to $200 million, up from $174 million in the prior year, leading to reduced profitability despite higher revenue expectations.
Customer Growth Stagnation: Customer growth stagnated, with only a 2% increase in active users to 7 million, compared to a 10% growth in the previous quarter, signaling potential market saturation.
Delinquency Rate Increase: The company reported a significant rise in delinquency rates, reaching 5% in Q2 2025, up from 3% in Q2 2024, indicating increased credit risk and potential future losses.
AFRM FAQs
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AFRM Earning Call Sentiment
Affirm Holdings, Inc. (NASDAQ:AFRM) Q2 2025 Earnings Call Transcript
AFRM.O
-4.38%Positive
Affirm's earnings call reveals a positive sentiment with an EPS beat, indicating strong financial performance. The strategic focus on zero percent loans and UK market entry suggests growth potential, despite possible margin dilution. The Q&A highlights management's cautious optimism, addressing competitive pressures and operational challenges. While regulatory risks are noted, the upbeat tone and strategic initiatives outweigh these concerns, leading to a positive stock price outlook.
