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Affirm Holdings (AFRM)
NASDAQ:AFRM
Earnings Data
Report Date
May 07, 2025TBA Not Confirmed
Period Ending
2025 (Q3)Consensus EPS Forecast
-0.02Last Year’s EPS
-0.43Same Quarter Last Year
Moderate Buy
Based on 18 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 06, 2025
|% Change Since: 20.83%
|Next Earnings Date:May 07, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted significant growth in customer base, successful expansion in zero percent loans, strong capital market execution, and promising international expansion. However, the margin dilution from zero percent loans and the limited direct depository relationships were noted as areas needing attention.Company Guidance
During Affirm Holdings, Inc.'s second-quarter fiscal 2025 earnings call, guidance emphasized the company's strategic focus on expanding zero percent APR loans to drive growth. This initiative is aimed at enhancing merchant partnerships and offering compelling consumer financing options. The company exceeded its Return on Loan Capital (RLTC) guidance of 3% to 4%, attributing this success to effective credit management and favorable market conditions. Affirm plans to reinvest excess RLTC into promoting zero percent loans and expanding its consumer base, while maintaining a target RLTC margin between 3% and 4% long-term. The management highlighted the importance of maintaining credit discipline to ensure sustainable growth and leverage their strong position in the capital markets.Significant Growth in Active Customers
Active customers increased by 23% year over year, marking four consecutive quarters of accelerating growth.
Strong Performance in Zero Percent Loans
Noticeable increase in zero percent loans, driven by merchant and manufacturer partnerships. This strategy is expanding across Affirm's network.
Improved Funding Costs and Market Execution
Achieved improved funding costs through strong capital market execution and partnerships, including a new notable partnership with Sixth Street.
Expansion into the UK Market
Affirm's UK expansion is progressing well with promising early results and upcoming significant integration with Shopify.
Affirm Card Growth
The Affirm card now represents 8% of total GMV, demonstrating strong engagement and best economic metrics.
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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
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AFRM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| 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% |
| May 08, 2024 | $34.90 | $31.58 | -9.51% |
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.
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FAQ
When does Affirm Holdings (AFRM) report earnings?
Affirm Holdings (AFRM) is schdueled to report earning on May 07, 2025, TBA Not Confirmed.
What is Affirm Holdings (AFRM) earnings time?
Affirm Holdings (AFRM) earnings time is at May 07, 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 (Q3) is -0.02.
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