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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Affirm Holdings, Inc. (Exact name of registrant as specified in its charter) Nevada 84-2224323 (I.R.S. Employer Identification No.) Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to ________ ...

FY Q1 2026 Earnings Supplement November 6, 2025 Safe Harbor Statement/Use of Non-GAAP Financial Measures Cautionary Note About Forward-Looking Statements This document contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended, that involve risks and uncertainties. All statements other than statements of historical fact are forward-looking statements, including stat ...

Okay, turning now to a firm. Those shares about four and a half% higher now. It is a beat on the top and bottom line.EPS coming in at 23 cents, which is ahead of the street estimate of 11 cents. Revenue is 933 million for the quarter versus 883 million expected. Gross merchandise volume, a key metric looking at the total value of transactions that hit 10.8% billion topping forecasts.And guidance for next quarter that actually came in a touch light at 1.03% 03 billion to 1.06% billion. But for the full year, ...

Max Levchin, CEO of Affirm (Pictured). Fed rate cuts and clearer U.S. credit guidance ease funding pressure and boost outlooks for BNPL players like Affirm.Getty ImagesThe Buy Now, Pay Later (BNPL) industry is at a pivotal moment as its largest U.S. pure-play, Affirm (AFRM), prepares to report fiscal first-quarter 2026 earnings today after the market close. Many investors are wondering whether this is the right time to buy or sell.Affirm reports fiscal Q1 2026 results today, covering July through September ...

Affirm Holdings, Inc. (NASDAQ:AFRM) shares rallied after the company released its first-quarter earnings report after Thursday's closing bell, beating analyst estimates. Here's a look at the details in the report. AFRM stock is moving. See the real-time price action here.The Details: Affirm Holdings reported quarterly earnings of 23 cents per share, which beat the consensus estimate of 11 cents.Quarterly revenue came in at $933.33 million, which beat the Street estimate of $883.14 million and was up from re ...

affirm) First Fiscal Quarter 2026 Shareholder Letter a) ·1234 (0) Pay over time Pay in full <> Purchasing power > Plan a purchase Get your vintage deep cuts for as a low as 0% APR. Shop now → Fellow Affirm Shareholders, We delivered another set of stellar results to get fiscal 2026 started, in both growth and profitability rubrics. Gross Merchandise Volume Revenue Less Transaction ("GMV") Revenue Costs ("RLTC")1 +42% +34% +60% Operating Income Adjusted Operating Income1 Net Income As a percent of Revenue As ...

Financial giants have made a conspicuous bearish move on Affirm Holdings. Our analysis of options history for Affirm Holdings (NASDAQ:AFRM) revealed 55 unusual trades.Delving into the details, we found 32% of traders were bullish, while 40% showed bearish tendencies. Out of all the trades we spotted, 36 were puts, with a value of $2,964,102, and 19 were calls, valued at $1,047,736.Predicted Price RangeTaking into account the Volume and Open Interest on these contracts, it appears that whales have been targe ...

Industry Overview - Fintech is transforming the global financial landscape by embedding financial services into everyday experiences, enabling programmable money, and leveraging AI for personalized interactions and risk management [1] - The rise of embedded finance integrates payments, lending, insurance, and investments into non-financial platforms, reducing distribution costs and enhancing customer loyalty [2] - Open banking and open finance empower customers with control over their data, fostering faster onboarding and customized products [2] - Programmable money powered by stablecoins and real-time payment rails is revolutionizing treasury, payroll, and cross-border transfers through instant settlement [2] - AI is becoming the new operating system for the financial industry, driving decision-making in underwriting, cybersecurity, and compliance [3] Future Trends - The future financial system will be open, data-permissioned, AI-native, and instant in settlement, with long-term winners being fintechs and incumbents that master interoperability and trusted customer relationships [4] - Stocks like Upstart Holdings, Affirm Holdings, and Nu Holdings are gaining investor attention as they adapt to these trends [4] Company Insights: Upstart Holdings, Inc. (UPST) - Upstart is an AI-driven fintech that uses machine learning to evaluate non-traditional data points for lending, allowing broader loan approvals while maintaining strong credit performance [6][7] - The company acts as an intermediary, earning revenues through referral fees, loan servicing fees, and income from loan sales and securitization [7] - Upstart's direct-to-consumer platform enables individuals to apply for loans directly, leveraging automation and data analytics to disrupt traditional lending [8] - The Zacks Consensus Estimate for UPST's 2025 sales and EPS implies year-over-year growth of 51.4% and 930%, respectively [9] Company Insights: Affirm Holdings, Inc. (AFRM) - Affirm operates in the Buy Now, Pay Later (BNPL) and embedded finance space, allowing consumers to split purchases into installments at the point of sale [10] - The company uses data-driven underwriting and real-time credit assessment to manage risk dynamically [11] - Affirm differentiates itself by focusing on larger-ticket purchases and flexible repayment options, supported by a robust capital model [12] - The Zacks Consensus Estimate for AFRM's fiscal 2026 sales and EPS implies year-over-year growth of 23.9% and 473.3%, respectively [14] Company Insights: Nu Holdings Ltd. (NU) - Nu Holdings targets underserved and digitally native consumers in Latin America with a suite of app-based services across lending, banking, and investing, amassing 123 million customers as of June 30, 2025 [15][16] - The company has reduced operational costs while boosting efficiency and accessibility, promoting financial inclusion in underserved markets [16] - Nu's diversified revenue streams from lending, interchange fees, and marketplace services offer resilience and scalability [17] - The Zacks Consensus Estimate for NU's 2025 sales and EPS implies year-over-year growth of 32.2% and 24.4%, respectively [19]

Core Viewpoint - The discussion centers around the performance and outlook of a firm, particularly in relation to consumer health and the impact of economic disparities on lower-end consumers [1][2][3]. Consumer Health - The firm is viewed as a barometer for consumer health, with a significant focus on the dichotomy between affluent consumers and those struggling financially [2][3]. - Despite overall consumer health appearing stable, concerns persist regarding the lower-end consumer's ability to manage financial obligations, especially in the context of "buy now, pay later" schemes [2][6][12]. Financial Performance Expectations - Analysts anticipate earnings per share (EPS) to be 11 cents, reflecting a decline from the previous quarter but an increase compared to the same period last year [7]. - Revenue projections are set to exceed $880 million, indicating a positive trend despite potential challenges [7]. Stock Performance and Market Dynamics - The firm's stock has performed well year-to-date, showing double-digit growth, comparable to the S&P 500 [4]. - The stock's status as a "meme stock" introduces volatility, with potential for significant sell-offs in the future, particularly if market momentum shifts [5][8]. Strategic Partnerships - Partnerships with major players like Amazon and Shopify are deemed critical for the firm's valuation and market position, significantly influencing its status as a meme stock [10][11]. - Any disruption in these partnerships could have severe implications for the firm's market performance, although current expectations suggest stability in these relationships [11]. Future Outlook - The firm is expected to provide insights into the state of the lower-end consumer in its upcoming results, which will be closely monitored for indications of economic health [12].