Affirm Earnings: What To Look For From AFRM

Buy now, pay later company Affirm (NASDAQ:AFRM) will be announcing earnings results this Thursday after market close. Here’s what investors should know.

Affirm beat analysts’ revenue expectations by 4.7% last quarter, reporting revenues of $876.4 million, up 33% year on year. It was a stunning quarter for the company, with a beat of analysts’ EPS estimates and .

Is Affirm a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Affirm’s revenue to grow 26.7% year on year to $884.7 million, slowing from the 40.7% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.62 per share.

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Affirm has only missed Wall Street’s revenue estimates once over the last two years, exceeding top-line expectations by 7% on average.

Looking at Affirm’s peers in the personal loan segment, some have already reported their Q3 results, giving us a hint as to what we can expect. Dave delivered year-on-year revenue growth of 63%, beating analysts’ expectations by 13%, and FirstCash reported revenues up 11.7%, topping estimates by 9.3%. FirstCash traded up 7.4% following the results.

Read our full analysis of Dave’s results here and FirstCash’s results here.

Debates over possible tariffs and corporate tax adjustments have raised questions about economic stability in 2025. While some of the personal loan stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 3.2% on average over the last month. Affirm is down 8.7% during the same time and is heading into earnings with an average analyst price target of $96.14 (compared to the current share price of $69.25).

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