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Affirm Holdings (AFRM)
NASDAQ:AFRM
Earnings Data
Report Date
Aug 21, 2025TBA Not Confirmed
Period Ending
2025 (Q4)Consensus EPS Forecast
0.13Last Year’s EPS
-0.14Same Quarter Last Year
Strong Buy
Based on 22 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 08, 2025
|% Change Since: 8.59%
|Next Earnings Date:Aug 21, 2025
Earnings Call Sentiment|Positive
The earnings call reflected strong overall performance, highlighted by significant growth in GMV, positive financial outlook, and successful strategic partnerships. However, challenges such as increased loan loss reserves and competitive pressures were noted. Despite these concerns, the sentiment remains optimistic due to healthy credit performance and strategic initiatives.Company Guidance
In the Affirm Holdings Third Quarter Fiscal 2025 earnings call, the company provided guidance indicating an improvement in their outlook for the current quarter and fiscal year. They highlighted a strategic focus on growth opportunities with strong credit quality and lifetime value (LTV) characteristics. The call emphasized Affirm's commitment to balancing growth with profitability as they aim to become a GAAP profitable business. The company noted that they will continue to be prudent with their spending to seize market opportunities, while ensuring excellent credit performance. Affirm also mentioned positive traction with their 0% APR product, which, despite lower revenue and return on loan-to-cost (RLTC) compared to interest-bearing loans, offers superior credit quality and long-term customer value. Additionally, the company reported broad-based growth in Gross Merchandise Volume (GMV), with March showing a peak 40% year-on-year increase, driven by strong performance across both direct-to-consumer services and their merchant base.Strong Growth in Gross Merchandise Volume (GMV)
GMV growth was broad-based, with a 40% year-on-year increase in March, driven by strong performance across various merchant categories and direct-to-consumer services.
Improved Financial Outlook
The company is pleased to improve its outlook for the current quarter and the fiscal year, leaning into growth opportunities with excellent credit quality while balancing growth and profitability.
Successful 0% APR Promotions
Affirm experienced excellent traction with its 0% APR product, which drives brand halo and consumer attachment, leading to high credit quality and increased conversion rates.
Partnerships and Expansions
Affirm announced a partnership with Costco and renewed its agreement with Shopify through 2028, indicating strong merchant relationships and expansion opportunities.
Healthy Credit Performance
The company reports healthy repayment rates and an increase in prepayments, indicating strong consumer credit performance.
AFRM Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AFRM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 08, 2025 | $54.26 | $46.41 | -14.47% |
Feb 06, 2025 | $61.75 | $75.22 | +21.81% |
Nov 07, 2024 | $48.79 | $46.48 | -4.73% |
Aug 28, 2024 | $31.58 | $41.66 | +31.92% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Affirm Holdings (AFRM) report earnings?
Affirm Holdings (AFRM) is schdueled to report earning on Aug 21, 2025, TBA Not Confirmed.
What is Affirm Holdings (AFRM) earnings time?
Affirm Holdings (AFRM) earnings time is at Aug 21, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AFRM EPS forecast?
AFRM EPS forecast for the fiscal quarter 2025 (Q4) is 0.13.
