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Here's What Key Metrics Tell Us About Affirm Holdings (AFRM) Q3 Earnings
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Affirm Holdings (AFRM - Free Report) reported $1.04 billion in revenue for the quarter ended March 2026, representing a year-over-year increase of 32.6%. EPS of $0.30 for the same period compares to $0.01 a year ago.
The reported revenue represents a surprise of +4.09% over the Zacks Consensus Estimate of $997.92 million. With the consensus EPS estimate being $0.17, the EPS surprise was +79.53%.
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:
Active Consumers: 27 versus 26 estimated by three analysts on average.
Gross Merchandise Volume (GMV): $11600 billion compared to the $11153.68 billion average estimate based on three analysts.
Total Transactions: 45 versus the two-analyst average estimate of 42.
Transactions per Active Consumer: 7 versus 6 estimated by two analysts on average.
Revenue- Merchant network: $268.03 million versus the five-analyst average estimate of $271.72 million. The reported number represents a year-over-year change of +25.3%.
Revenue- Card network: $66.47 million versus $72.84 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +13.5% change.
Revenue- Interest income: $532.45 million compared to the $504.1 million average estimate based on five analysts. The reported number represents a change of +32.2% year over year.
Revenue- Servicing income: $44.62 million versus the five-analyst average estimate of $44.63 million. The reported number represents a year-over-year change of +39.2%.
Revenue- Gain on sales of loans: $127.2 million versus $99.71 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +67.7% change.
Shares of Affirm Holdings have returned +31.7% over the past month versus the Zacks S&P 500 composite's +11.4% 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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Here's What Key Metrics Tell Us About Affirm Holdings (AFRM) Q3 Earnings
Affirm Holdings (AFRM - Free Report) reported $1.04 billion in revenue for the quarter ended March 2026, representing a year-over-year increase of 32.6%. EPS of $0.30 for the same period compares to $0.01 a year ago.
The reported revenue represents a surprise of +4.09% over the Zacks Consensus Estimate of $997.92 million. With the consensus EPS estimate being $0.17, the EPS surprise was +79.53%.
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:View all Key Company Metrics for Affirm Holdings here>>>
Shares of Affirm Holdings have returned +31.7% over the past month versus the Zacks S&P 500 composite's +11.4% 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.