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AFRM Earnings

Affirm Holdings Inc
$
77.710
+0.825(1.073%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

Earning Analysis

Welcome to our in-depth analysis of Affirm Holdings Inc(AFRM) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Affirm Holdings Inc earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.

Earnings Forecast

Revenue
EPS
Currency: USD
Actual
Estimate

Surprise Analysis

Name
EPS
Revenue
Price Reaction
Fiscal QuarterEarning DateTimeEstimateActualSurprise%EstimateActualSurprise%1D5D
FY2025Q32025-05-08After Hours-0.080.01+112.50782.96M783.14M+0.02-14.47+4.22
FY2025Q22025-02-06After Hours-0.200.23+215.00807.63M866.38M+7.27+21.81+28.39
FY2024Q42024-08-28After Hours-0.45--605.38M659.19M+8.89+31.92+25.52
FY2024Q42024-08-28After Hours-0.45-0.14+68.89605.38M659.19M+8.89+31.92+25.52
FY2024Q32024-05-08--0.70-0.43+38.57549.96M576.16M+4.76-9.51-4.18
FY2024Q22024-02-08--0.28-0.20+28.57521.19M591.11M+13.41+10.33-8.11
FY2024Q12023-11-08--0.24-0.57-137.50444.47M496.55M+11.72-1.49+15.71
FY2023Q42023-08-24--0.86-0.69+19.77406.08M445.83M+9.79-4.82+38.04
-2023-05-09--0.91-0.69+24.18---+3.02+7.20
-2023-02-08--1.01-1.10-8.91----6.91-23.88

AFRM Earnings Analysis

Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Affirm Holdings Inc reported performance for FY2025Q3, announced on 2025-05-08. The company achieved an EPS of 0.01, compared to analyst estimates of -0.08 by 112.50% . Revenue for the quarter reached 783.14M compared to expectations of 782.96M by 0.02% .
The stock price reacted with a -14.47% one-day change and a 4.22% five-day change following the earnings release. These movements reflect market reaction in Affirm Holdings Inc growth trajectory and strategic initiatives.

AFRM Earnings Forecast

Looking ahead, Affirm Holdings Inc(AFRM) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q4 project quarter revenue of 837.05M and an EPS of 0.43.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 0.02%, while EPS estimates have been Revise Upward by 7.07%. For the upcoming Q4 2025, revenue estimates have been adjusted No Change by 0% . These revisions correlate with a 44.07% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Affirm Holdings Inc long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.

Estimate Revision

The chart shows the correlation between AFRM's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward
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+0.02%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
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+7.07%
In Past 3 Month
Revenue Estimates for Q4 2025
No Change
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0.00%
In Past 3 Month
Stock Price
Go Up
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+44.07%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
--
Revenue Estimate-Annual FY 2025:3.18B
--
EPS Estimate-Annual FY 2025:2.28
Stock Price77.71

AFRM Revenue and EPS Performance: A Historical Perspective

Affirm Holdings Inc revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q3 (2025-05-08,After Hours):
EPS: 0.01 (Actual) vs.-0.08 (Estimate) (112.50%)
Revenue: 783.14M (Actual) vs. 782.96M (Estimate) (0.02%)
Price Reaction: -14.47%(1-Day), 4.22%(5-Day)
FY2025Q2 (2025-02-06,After Hours):
EPS: 0.23 (Actual) vs.-0.20 (Estimate) (215.00%)
Revenue: 866.38M (Actual) vs. 807.63M (Estimate) (7.27%)
Price Reaction: 21.81%(1-Day), 28.39%(5-Day)
FY2024Q4 (2024-08-28,After Hours):
EPS: (Actual) vs.-0.45 (Estimate) (%)
Revenue: 659.19M (Actual) vs. 605.38M (Estimate) (8.89%)
Price Reaction: 31.92%(1-Day), 25.52%(5-Day)
Earnings Reaction
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 -11.25% change in stock price 10 days leading up to the earnings, and a +12.05% change 10 days following the report. On the earnings day itself, the stock moves by -1.15%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in MAR/2025, the stock changed -14.47% on the day following the earnings release and then changed by -9.75% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.

Transcript Summary

Affirm Holdings Inc (AFRM) Q3 2025 Earnings Call Summary
Positive
2025-05-09
The earnings call summary reveals a positive overall sentiment: EPS exceeded expectations, outlook improved, and the company is maintaining good credit quality. The Q&A section supports this, showing strong GMV growth and strategic partnerships, like with Adyen in the UK. While there are some risks, such as regulatory challenges and economic factors, the company's focus on profitability, market share, and strategic expansion suggest a positive stock price movement in the near term.
Affirm Holdings Inc (AFRM) Q3 2025 Earnings Call Summary
Positive
2025-05-08
The earnings call highlights improved financial performance with a significant EPS beat, revenue growth, and increased profitability. The company has improved its outlook, which is a positive indicator. Although there are risks related to regulatory challenges and market competition, the positive financial metrics and strategic partnerships, such as with Costco, support a positive sentiment. The Q&A session reinforced the company's focus on long-term value and growth opportunities, despite some uncertainties in specific areas. Overall, the strong financial results and optimistic guidance suggest a positive stock price movement.
Affirm Holdings Inc (AFRM) Q2 2025 Earnings Call Summary
Positive
2025-02-07
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.
Affirm Holdings, Inc. (AFRM) Q1 2025 Earnings Call Summary
Positive
2024-11-08
The earnings call summary presents a positive outlook with significant revenue growth, improved gross margins, and a net income turnaround. The company is well-prepared for the holiday season and has strong operational efficiency, competitive positioning, and strategic initiatives. The Q&A section revealed positive analyst sentiment and confidence in future performance, despite some regulatory and competitive risks. Overall, the company's strong financial performance and strategic readiness suggest a positive stock price movement in the short term.
Affirm Holdings, Inc. (AFRM) Q4 2024 Earnings Call Summary
Positive
2024-08-28
The earnings call shows strong financial performance with 25% revenue growth, improved margins, and positive net income. The initiation of a $100 million share buyback program and optimistic guidance further boost sentiment. Although there are risks related to leadership changes and market competition, the Q&A reveals confidence in credit control and strategic planning. The positive outlook and financial health suggest a likely stock price increase over the next two weeks, falling in the 'Positive' category (2% to 8%).

FAQ

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What were the key highlights of AFRM’s latest earnings report for FY2025Q3?

AFRM reported its FY2025Q3 earnings on 2025-05-08, showcasing a revenue of 783.14M against an estimate of 782.96M, resulting in a 0.02% surprise. The EPS was 0.01, surpassing the expected -0.08 by 112.5% . The stock experienced a -14.47% price change on the earnings day and a 4.22% change over the next five days, reflecting market reactions to the results.
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How did AFRM’s stock price react after the FY2025Q3 earnings release?

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What are the revenue and EPS estimates for AFRM for 2025/Q4?

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How does AFRM’s stock price correlate with earnings forecast revisions?

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What should investors expect from AFRM’s next earnings report?

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What is the sentiment in Affirm Holdings Inc (AFRM) Q3 2025 Earnings Call Summary?