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Affirm Holdings, Inc. AFRM Q3 2025 earnings

Reported May 8, 2025 · After market close

Revenue$783.1MIn line
EPS$0.01Beat by $0.02
Revenue estimate$783.0M
EPS estimate-$0.01

Next report

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

Financials

Q3 2025

Income statement

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Revenue$783.1M+35.9%
Operating income-$8.4M+94.8%
Net income$2.8M+102%
EPS (diluted)$0.01+102%

Balance sheet

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Cash & equivalents$1.7B+7.2%
Total debt$7.9B+18,140%
Total equity$2.9B+9.6%
Total assets$10.4B+13.4%

Cash flow

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Operating cash flow$210.4M+1.1%
CapEx$53.0M+14.1%
Free cash flow$157.4M-2.7%

Valuation & ratios

Valuation

as of 03/31/25
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Market cap$14.47B+26.5%
Enterprise value$20.59B+109%
P/S4.8×-0.6×

Profitability

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Operating margin-7.3%-3.2pp
Net margin-2.1%-1.0pp
FCF margin20.2%—

Returns & leverage

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Return on equity-2.3%-1.1pp
Debt / equity2.7×+2.7×

Segments

By product

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Merchant network revenue$214.0M+34.3%
Card network revenue$58.6M+64.2%

FAQ

When did Affirm Holdings, Inc. report Q3 2025 earnings?
Affirm Holdings, Inc. (AFRM) reported Q3 2025 earnings on May 8, 2025 after market close.
What were Affirm Holdings, Inc.'s Q3 2025 revenue and EPS?
Affirm Holdings, Inc. reported revenue of $783.1M and eps of $0.01 for Q3 2025.
Did Affirm Holdings, Inc. beat estimates in Q3 2025?
Revenue beat the consensus estimate of $783.0M by $161.5K. EPS beat the consensus estimate of $-0.01 by $0.02.
How did Affirm Holdings, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 35.9% from $576.2M a year earlier.
Where can I find Affirm Holdings, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001820953-25-000050) and the 10-Q periodic report (0001820953-25-000052) directly on SEC EDGAR. The filing index links above go to sec.gov.