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.Zacks' Research Chief Names "Stock Most Likely to Double"
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This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
