Affirm(US:AFRM)2025-08-28 21:00Financial Highlights - Gross Merchandise Volume (GMV) increased by 33% year-over-year, reaching $104 billion in FY Q4 2025 [8] - Revenue grew by 33% year-over-year, totaling $876 million in FY Q4 2025 [8] - Active Consumers increased by 19% year-over-year, reaching 230 million in FY Q4 2025 [8] - Revenue Less Transaction Costs increased 36% year-over-year to $425 million [47] - Adjusted Operating Income reached $237 million in FY Q4 2025, representing 27% of Adjusted Operating Margin [58] Business Performance - Affirm Card GMV grew by 132% year-over-year [15] - Affirm Card Active Consumers increased by 97% year-over-year, reaching 23 million [16] - Repeat Customer Transactions grew by 52% year-over-year, representing 95% of Quarterly Transactions [29] Portfolio and Funding - Total Platform Portfolio reached $151 billion [65] - Equity Capital Required (ECR) as a percentage of Total Platform Portfolio is expected to remain below 5% [102] - Funding Capacity reached $261 billion [71] Outlook - For Fiscal Q1 2026, the company projects GMV between $1010 and $1040 billion, revenue between $855 and $885 million, and an adjusted operating margin between 23% and 25% [104]