Core Insights - Affirm Holdings reported a revenue of $933.34 million for the quarter ended September 2025, marking a 33.6% increase year-over-year and exceeding the Zacks Consensus Estimate of $885.01 million by 5.46% [1] - The company achieved an EPS of $0.23, a significant improvement from -$0.31 in the same quarter last year, resulting in an EPS surprise of 109.09% compared to the consensus estimate of $0.11 [1] Financial Performance Metrics - Gross Merchandise Volume (GMV) reached $10,800 billion, surpassing the average estimate of $10,384.1 billion [4] - Active Consumers remained stable at 24, matching the average estimate [4] - Transactions per Active Consumer were consistent at 6, aligning with the average estimate [4] - Total Transactions amounted to 41, exceeding the average estimate of 36 [4] - Revenue from the Merchant network was $251.15 million, up 36.2% year-over-year, and above the average estimate of $247.86 million [4] - Revenue from the Card network was $69.33 million, reflecting a 46% increase year-over-year, surpassing the average estimate of $65.66 million [4] - Revenue from Interest income was $454.12 million, a 20.4% year-over-year increase, exceeding the average estimate of $435.9 million [4] - Revenue from Servicing income was $39.69 million, up 52.8% year-over-year, and above the average estimate of $36.98 million [4] - Revenue from Gain on sales of loans was $119.05 million, representing an 87.2% year-over-year increase, exceeding the average estimate of $94.11 million [4] Stock Performance - Affirm Holdings' shares have returned -5% over the past month, contrasting with the Zacks S&P 500 composite's +1.3% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Core Insights - Analysts project Affirm Holdings (AFRM) will report quarterly earnings of $0.11 per share, reflecting a year-over-year increase of 178.6% [1] - Revenue is expected to reach $839.88 million, marking a 27.4% increase from the same quarter last year [1] Earnings Estimates Revisions - Over the past 30 days, the consensus EPS estimate has been adjusted upward by 22.6%, indicating a reassessment by covering analysts [2] - Revisions to earnings estimates are significant indicators for predicting investor actions regarding the stock [3] Revenue Breakdown - Revenue from the Merchant network is projected at $234.97 million, a year-over-year change of +29.8% [5] - Revenue from the Card network is expected to be $59.11 million, indicating a change of +37.5% from the prior-year quarter [5] - Interest income revenue is forecasted to reach $416.13 million, suggesting a change of +23.3% year over year [5] - Servicing income is estimated at $33.77 million, reflecting a change of +22.4% from the prior-year quarter [6] - Gain on sales of loans is predicted to be $90.96 million, indicating a change of +30% from the year-ago quarter [6] Key Company Metrics - The consensus estimate for Gross Merchandise Volume (GMV) is $9577.07 billion, compared to $7241.00 billion in the same quarter last year [7] - Transactions per Active Consumer are expected to reach 6, up from 5 in the previous year [7] - Active Consumers are projected to reach 22, compared to 19 a year ago [7] Stock Performance - Over the past month, shares of Affirm Holdings have returned +18.5%, outperforming the Zacks S&P 500 composite's +2.7% change [8] - Currently, AFRM holds a Zacks Rank 3 (Hold), suggesting its performance may align with the overall market in the near future [8]

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]

Core Insights - Shopify reported $2.36 billion in revenue for Q1 2025, a year-over-year increase of 26.8% [1] - The EPS for the same period was $0.25, compared to $0.20 a year ago, with a surprise of -3.85% against the consensus estimate of $0.26 [1] Revenue and Earnings Performance - The reported revenue exceeded the Zacks Consensus Estimate of $2.33 billion by 1.32% [1] - Year-over-year revenue growth was driven by Merchant solutions revenue of $1.74 billion, up 28.9%, and Subscription solutions revenue of $620 million, up 21.3% [4] Key Metrics - Gross Merchandise Volume (GMV) was reported at $74.75 billion, slightly above the estimated $74.66 billion [4] - Monthly Recurring Revenue (MRR) reached $182 million, exceeding the estimate of $179.99 million [4] - Gross Profit for Merchant solutions was $672 million, surpassing the average estimate of $657.22 million, while Subscription solutions gross profit was $497 million, below the estimate of $543.90 million [4] Stock Performance - Shopify shares returned +3.4% over the past month, underperforming the Zacks S&P 500 composite's +11.3% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]

Core Viewpoint - Analysts expect Affirm Holdings (AFRM) to report a quarterly loss of $0.08 per share, reflecting an 81.4% year-over-year increase in losses, with revenues projected at $783.11 million, a 35.9% increase from the previous year [1]. Earnings Projections - There has been a 4.9% upward revision in the consensus EPS estimate over the last 30 days, indicating analysts' reassessment of their initial forecasts [2]. - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3]. Revenue Estimates - Analysts project 'Revenue- Merchant network' to reach $199.48 million, a 25.2% increase year-over-year [5]. - 'Revenue- Card network' is expected to be $46.40 million, reflecting a 30.1% year-over-year change [5]. - 'Revenue- Interest income' is forecasted at $414.44 million, indicating a 31.3% increase from the previous year [5]. - 'Revenue- Servicing income' is estimated at $31.25 million, suggesting a 23.5% year-over-year change [6]. - 'Revenue- Gain on sales of loans' is projected to reach $81.19 million, a significant 102.1% increase year-over-year [6]. - Gross Merchandise Volume (GMV) is expected to be $8,129.51 billion, up from $6,294 billion in the previous year [6]. Consumer Metrics - The average prediction for 'Transactions per Active Consumer' is 5, consistent with the same quarter of the previous year [7]. - Analysts estimate 'Active Consumers' to be 21, an increase from 18 reported in the same quarter last year [7]. Stock Performance - Over the past month, Affirm Holdings shares have gained 46.4%, significantly outperforming the Zacks S&P 500 composite, which saw a change of +0.4% [8]. - Affirm Holdings holds a Zacks Rank 1 (Strong Buy), indicating a likelihood of outperforming the overall market in the near future [8].