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Affirm Holdings Earnings Calls
| Release date | May 07, 2026 |
| EPS estimate | $0.170 |
| EPS actual | $0.300 |
| EPS Surprise | 76.06% |
| Revenue estimate | 995.267M |
| Revenue actual | 1.039B |
| Revenue Surprise | 4.37% |
| Release date | Feb 05, 2026 |
| EPS estimate | $0.280 |
| EPS actual | $0.370 |
| EPS Surprise | 32.14% |
| Revenue estimate | 1.056B |
| Revenue actual | 1.123B |
| Revenue Surprise | 6.37% |
| Release date | Nov 06, 2025 |
| EPS estimate | $0.112 |
| EPS actual | $0.230 |
| EPS Surprise | 105.17% |
| Revenue estimate | 883.162M |
| Revenue actual | 933.337M |
| Revenue Surprise | 5.68% |
| Release date | Aug 28, 2025 |
| EPS estimate | $0.124 |
| EPS actual | $0.200 |
| EPS Surprise | 61.94% |
| Revenue estimate | 837.036M |
| Revenue actual | 876.417M |
| Revenue Surprise | 4.70% |
Last 4 Quarters for Affirm Holdings
Below you can see how AFRM performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Aug 28, 2025 |
| Price on release | $79.99 |
| EPS estimate | $0.124 |
| EPS actual | $0.200 |
| EPS surprise | 61.94% |
| Date | Price |
|---|---|
| Aug 22, 2025 | $79.49 |
| Aug 25, 2025 | $77.39 |
| Aug 26, 2025 | $77.95 |
| Aug 27, 2025 | $77.59 |
| Aug 28, 2025 | $79.99 |
| Aug 29, 2025 | $88.45 |
| Sep 02, 2025 | $82.22 |
| Sep 03, 2025 | $85.31 |
| Sep 04, 2025 | $89.66 |
| 4 days before | 0.629% |
| 4 days after | 12.09% |
| On release day | 10.59% |
| Change in period | 12.79% |
| Release date | Nov 06, 2025 |
| Price on release | $65.96 |
| EPS estimate | $0.112 |
| EPS actual | $0.230 |
| EPS surprise | 105.17% |
| Date | Price |
|---|---|
| Oct 31, 2025 | $71.88 |
| Nov 03, 2025 | $72.08 |
| Nov 04, 2025 | $71.41 |
| Nov 05, 2025 | $71.52 |
| Nov 06, 2025 | $65.96 |
| Nov 07, 2025 | $73.62 |
| Nov 10, 2025 | $76.09 |
| Nov 11, 2025 | $75.14 |
| Nov 12, 2025 | $78.95 |
| 4 days before | -8.24% |
| 4 days after | 19.69% |
| On release day | 11.61% |
| Change in period | 9.84% |
| Release date | Feb 05, 2026 |
| Price on release | $59.42 |
| EPS estimate | $0.280 |
| EPS actual | $0.370 |
| EPS surprise | 32.14% |
| Date | Price |
|---|---|
| Jan 30, 2026 | $60.30 |
| Feb 02, 2026 | $61.99 |
| Feb 03, 2026 | $61.66 |
| Feb 04, 2026 | $62.16 |
| Feb 05, 2026 | $59.42 |
| Feb 06, 2026 | $57.03 |
| Feb 09, 2026 | $57.95 |
| Feb 10, 2026 | $59.65 |
| Feb 11, 2026 | $56.54 |
| 4 days before | -1.46% |
| 4 days after | -4.85% |
| On release day | -4.02% |
| Change in period | -6.24% |
| Release date | May 07, 2026 |
| Price on release | $67.36 |
| EPS estimate | $0.170 |
| EPS actual | $0.300 |
| EPS surprise | 76.06% |
| Date | Price |
|---|---|
| May 01, 2026 | $67.54 |
| May 04, 2026 | $67.08 |
| May 05, 2026 | $66.81 |
| May 06, 2026 | $65.58 |
| May 07, 2026 | $67.36 |
| May 08, 2026 | $64.01 |
| May 11, 2026 | $66.45 |
| May 12, 2026 | $65.43 |
| May 13, 2026 | $63.53 |
| 4 days before | -0.267% |
| 4 days after | -5.69% |
| On release day | -4.97% |
| Change in period | -5.94% |
Affirm Holdings Earnings Call Transcript Summary of Q1 2026
Affirm reported a strong quarter with several key operational and commercial wins. The company extended its U.S. agreement with Amazon for five years (through January 2031), continued to expand ABS and capital markets execution, and signed additional PSP/platform partnerships (e.g., Worldpay) to accelerate integrations. GMV growth remains healthy, driven by direct point-of-sale integrations, direct-to-consumer engagement, and rapidly growing 0% APR installment offerings (highlighted by a successful multi-day 0% promotion). The Affirm Card continues to scale (adding ~0.5M members this quarter) and the company is selectively rolling out cash-flow underwriting to reach younger and underbanked consumers. Affirm reiterated its FY26 target range for revenue less transaction cost (RLTC) at roughly 3%–4% (with a philosophical upper bound of ~4%), and said recent margin improvement is largely driven by growth (higher RLTC dollars flowing to operating income) rather than cost cuts. Management emphasized confidence in underwriting performance and the ability to expand into new verticals due to strong data and model-development processes.
