Affirm Holdings (AFRM) reported $1.12 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 29.6%. EPS of $0.37 for the same period compares to $0.23 a year ago.
The reported revenue represents a surprise of +6.25% over the Zacks Consensus Estimate of $1.06 billion. With the consensus EPS estimate being $0.28, the EPS surprise was +32.14%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Affirm Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Gross Merchandise Volume (GMV): $13800 billion compared to the $13321.57 billion average estimate based on four analysts.
- Active Consumers: 26 versus the three-analyst average estimate of 25.
- Transactions per Active Consumer: 6 versus 6 estimated by two analysts on average.
- Total Transactions: 55 versus 45 estimated by two analysts on average.
- Revenue- Merchant network: $328.38 million compared to the $313.83 million average estimate based on six analysts. The reported number represents a change of +34.1% year over year.
- Revenue- Card network: $73.04 million versus $82.05 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +25.6% change.
- Revenue- Interest income: $493.63 million versus $484.64 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +20.6% change.
- Revenue- Servicing income: $42.75 million versus the six-analyst average estimate of $41.61 million. The reported number represents a year-over-year change of +49%.
- Revenue- Gain on sales of loans: $185.23 million versus $132.79 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +47.9% change.
View all Key Company Metrics for Affirm Holdings here>>>
Shares of Affirm Holdings have returned -25.2% over the past month versus the Zacks S&P 500 composite's +0.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Affirm Holdings, Inc. (AFRM): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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