Affirm Holdings (AFRM) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Affirm Holdings reported revenue of $783.14 million for the quarter ended March 2025, reflecting a year-over-year increase of 35.9% [1] - The company's EPS was $0.01, a significant improvement from -$0.43 in the same quarter last year, resulting in an EPS surprise of +111.11% [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $783.85 million, indicating a surprise of -0.09% [1] Key Financial Metrics - Gross Merchandise Volume (GMV) reached $8,558 billion, exceeding the average estimate of $8,129.51 billion [4] - Transactions per Active Consumer were 6, surpassing the estimated average of 5 [4] - Active Consumers totaled 22, slightly above the average estimate of 21 [4] - Revenue from the Merchant network was $213.97 million, compared to the estimated $199.48 million, marking a year-over-year increase of 34.3% [4] - Revenue from the Card network was $58.57 million, exceeding the estimated $46.40 million, with a year-over-year growth of 64.2% [4] - Revenue from Interest income was $402.70 million, slightly below the estimated $414.44 million, but still reflecting a year-over-year increase of 27.6% [4] - Revenue from Servicing income was $32.05 million, above the estimated $31.25 million, representing a year-over-year change of 26.7% [4] - Revenue from Gain on sales of loans was $75.84 million, below the estimated $81.19 million, but showing a significant year-over-year increase of 88.7% [4] Stock Performance - Affirm Holdings' shares have returned +16.3% over the past month, outperforming the Zacks S&P 500 composite's +11.3% change [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), suggesting potential for outperformance in the near term [3]