Affirm Holdings, Inc. · AFRM · Next earnings

Affirm Holdings, Inc. reports Thursday, Nov 5, 2026

AFRM reports after market close with consensus EPS at $0.34 and revenue at $1.21B. Last quarter: Affirm's most profitable quarter shifts focus to product execution

Reports After market close45 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $0.34 Calendar consensus
Consensus revenue $1.21B Calendar consensus
Report date Nov 5, 2026 Thursday, date estimated
Session After market close 45 days away

Where AFRM left off: FY2026 Q4

Full report

Affirm's most profitable quarter shifts focus to product execution

EPS surprise +1230.3% Reported $4.62 vs $0.35
Revenue surprise +5.3% Reported $1.17B vs $1.11B
Stock move +0.3% Event window
Subsequent drift -8.4% Up to 20 sessions

Management maintained its growth guidance; the supplied analysis does not identify a numerical change.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Consumer delinquencies could rise amid macroeconomic uncertainty.
  • Legacy point-of-sale systems may slow in-store adoption.
  • Affirm Edge and banking collaborations require regulatory approvals.
  • Revenue depends partly on non-consolidated ABS transactions.
  • Competition remains a risk across BNPL and flex-card products.

Questions analysts left open

  • Sustainability of high growth rates moving forward.
  • Timeline for product launches expected to impact FY27 and beyond.
  • Obstacles to signing the remaining top e-commerce merchants.
  • In-store approval and connectivity challenges.
  • Consumer credit risk and potential uptick in delinquencies.

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Recent AFRM quarters

All AFRM earnings
+0.3%FY2026 Q4

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q4

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.