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Affirm Holdings (AFRM) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended September 2026, Affirm Holdings (AFRM - Free Report) reported revenue of $1.26 billion, up 35.2% over the same period last year. EPS came in at $0.47, compared to $0.23 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $1.22 billion, representing a surprise of +3.78%. The company delivered an EPS surprise of +34.29%, with the consensus EPS estimate being $0.35.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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): $14400 billion versus $14053.61 billion estimated by four analysts on average.
Total Transactions: 56 compared to the 52 average estimate based on three analysts.
Active Consumers: 29 compared to the 29 average estimate based on three analysts.
Transactions per Active Consumer: 7 versus the two-analyst average estimate of 7.
Revenue- Merchant network: $296.93 million compared to the $318.34 million average estimate based on six analysts. The reported number represents a change of +18.2% year over year.
Revenue- Card network: $96.49 million compared to the $87.63 million average estimate based on six analysts. The reported number represents a change of +39.2% year over year.
Revenue- Interest income: $658.13 million versus $603.29 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +44.9% change.
Revenue- Servicing income: $48.5 million compared to the $55.07 million average estimate based on six analysts. The reported number represents a change of +22.2% year over year.
Revenue- Gain on sales of loans: $162.17 million versus the six-analyst average estimate of $151.18 million. The reported number represents a year-over-year change of +36.2%.
Revenue- Total network revenue: $393.42 million versus $403.36 million estimated by five analysts on average.
Shares of Affirm Holdings have returned +0.4% over the past month versus the Zacks S&P 500 composite's -0.4% 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.
View the Zacks #1 Rank List
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Affirm Holdings (AFRM) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended September 2026, Affirm Holdings (AFRM - Free Report) reported revenue of $1.26 billion, up 35.2% over the same period last year. EPS came in at $0.47, compared to $0.23 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $1.22 billion, representing a surprise of +3.78%. The company delivered an EPS surprise of +34.29%, with the consensus EPS estimate being $0.35.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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 +0.4% over the past month versus the Zacks S&P 500 composite's -0.4% 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.