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Affirm Holdings, Inc. AFRM Q1 2026 earnings

Reported November 6, 2025 · After market close

Revenue$933.3MBeat by $50.2M
EPS$0.23Beat by $0.12
Revenue estimate$883.2M
EPS estimate$0.11

Next report

Nov 5, 2026 (In 3 weeks)
Revenue estimate$1.2B
EPS estimate$0.38

Financials

Q1 2026

Income statement

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Revenue$933.3M+33.6%
Operating income$63.7M+148%
Net income$80.7M+181%
EPS (diluted)$0.23+174%

Balance sheet

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Cash & equivalents$2.1B+51.5%
Total debt$8.4B+23,473%
Total equity$3.3B+16.3%
Total assets$11.5B+13.2%

Cash flow

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Operating cash flow$374.6M+90.3%
CapEx$54.4M+23.1%
Free cash flow$320.2M+110%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$23.8B+87.4%
Enterprise value$30.15B+166%
P/E102.1×—
P/S6.9×+1.8×

Profitability

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Net margin6.7%+3.9pp
FCF margin22.2%+7.2pp

Returns & leverage

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Return on equity7.6%+4.5pp
Debt / equity2.6×+2.5×

Segments

By product

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Merchant network revenue$251.1M+36.2%
Card network revenue$69.3M+46.0%

FAQ

When did Affirm Holdings, Inc. report Q1 2026 earnings?
Affirm Holdings, Inc. (AFRM) reported Q1 2026 earnings on November 6, 2025 after market close.
What were Affirm Holdings, Inc.'s Q1 2026 revenue and EPS?
Affirm Holdings, Inc. reported revenue of $933.3M and eps of $0.23 for Q1 2026.
Did Affirm Holdings, Inc. beat estimates in Q1 2026?
Revenue beat the consensus estimate of $883.2M by $50.2M. EPS beat the consensus estimate of $0.11 by $0.12.
How did Affirm Holdings, Inc.'s Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 33.6% from $698.5M a year earlier.
Where can I find Affirm Holdings, Inc.'s Q1 2026 SEC filings?
You can read the 8-K earnings release (0001628280-25-050159) and the 10-Q periodic report (0001628280-25-050295) directly on SEC EDGAR. The filing index links above go to sec.gov.