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Affirm Holdings, Inc. AFRM Q2 2026 earnings

Reported February 5, 2026 · After market close

Revenue$1.1BBeat by $67.2M
EPS$0.37Beat by $0.09
Revenue estimate$1.1B
EPS estimate$0.28

Next report

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

Financials

Q2 2026

Income statement

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Revenue$1.1B+29.6%
Operating income$117.6M+2,822%
Net income$129.6M+61.3%
EPS (diluted)$0.37+60.9%

Balance sheet

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Cash & equivalents$2.1B+20.6%
Total debt$9.8B+20.4%
Total equity$3.5B+27.3%
Total assets$13.0B+23.6%

Cash flow

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Operating cash flow$173.7M-44.3%
CapEx$55.7M+26.9%
Free cash flow$118.0M-56.0%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$24.57B+29.9%
Enterprise value$32.28B+27.5%
P/E87×—
P/S6.6×-0.1×

Profitability

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Net margin7.6%+5.1pp
FCF margin16.7%-5.2pp

Returns & leverage

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Return on equity8.9%+6.1pp
Debt / equity2.8×-0.2×

Segments

By product

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Merchant network revenue$328.4M+34.1%
Card network revenue$73.0M+25.6%

FAQ

When did Affirm Holdings, Inc. report Q2 2026 earnings?
Affirm Holdings, Inc. (AFRM) reported Q2 2026 earnings on February 5, 2026 after market close.
What were Affirm Holdings, Inc.'s Q2 2026 revenue and EPS?
Affirm Holdings, Inc. reported revenue of $1.1B and eps of $0.37 for Q2 2026.
Did Affirm Holdings, Inc. beat estimates in Q2 2026?
Revenue beat the consensus estimate of $1.1B by $67.2M. EPS beat the consensus estimate of $0.28 by $0.09.
How did Affirm Holdings, Inc.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 29.6% from $866.4M a year earlier and eps grew 60.9% from $0.23.
Where can I find Affirm Holdings, Inc.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0001628280-26-005772) and the 10-Q periodic report (0001628280-26-005855) directly on SEC EDGAR. The filing index links above go to sec.gov.