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Affirm Holdings, Inc. AFRM Q3 2026 earnings

Reported May 7, 2026 · After market close

Revenue$1.0BBeat by $43.5MDiluted EPS$0.30Beat by $0.13
Revenue estimate$995.3M
EPS estimate$0.17

Next report

Aug 27, 2026 (in 2 months)
Revenue estimate$1.1B
EPS estimate$0.34

Financials

Q3 2026

Income statement

See full
Revenue$1.0B+32.6%
Operating income$88.4M+1,154%
Net income$102.9M+3,570%
EPS (diluted)$0.30+2,900%

Balance sheet

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Cash & equivalents$2.5B+42.5%
Total debt$9.3B+18.8%
Total equity$3.8B+31.6%
Total assets$13.1B+25.9%

Cash flow

See full
Operating cash flow$386.5M+83.7%
CapEx$61.4M+15.8%
Free cash flow$325.1M+107%

Valuation & ratios

Valuation

as of 07/09/26
See full
Market cap$27.22B+5.5%
Enterprise value$34.08B+7.5%
P/E71.2×—
P/S6.9×-1.7×

Profitability

See full
Net margin9.6%+8.2pp
FCF margin19.8%-0.4pp

Returns & leverage

See full
Return on equity11.5%+9.9pp
Debt / equity2.5×-0.3×

Segments

By product

See full
Merchant network revenue$268.0M+25.3%
Card network revenue$66.5M+13.5%

Versus estimates

Revenue

Q3 2026$1.0BBeat by $43.5M
Q2 2026$1.1BBeat by $67.2MQ1 2026$933.3MBeat by $50.2MQ4 2025$876.4MBeat by $39.4MQ3 2025$783.1MIn lineQ2 2025$866.4MBeat by $59.2M

Diluted EPS

Q3 2026$0.30Beat by $0.13
Q2 2026$0.37Beat by $0.09Q1 2026$0.23Beat by $0.12Q4 2025$0.20Beat by $0.08Q3 2025$0.01Beat by $0.02Q2 2025$0.23Beat by $0.44

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Questions, answered.

When did Affirm Holdings, Inc. report Q3 2026 earnings?
Affirm Holdings, Inc. (AFRM) reported Q3 2026 earnings on May 7, 2026 after market close.
What were Affirm Holdings, Inc.'s Q3 2026 revenue and EPS?
Affirm Holdings, Inc. reported revenue of $1.0B and diluted EPS of $0.30 for Q3 2026.
Did Affirm Holdings, Inc. beat estimates in Q3 2026?
Revenue beat the consensus estimate of $995.3M by $43.5M. EPS beat the consensus estimate of $0.17 by $0.13.
How did Affirm Holdings, Inc.'s Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 32.6% from $783.1M a year earlier and diluted EPS grew 2900.0% from $0.01.
Where can I find Affirm Holdings, Inc.'s Q3 2026 SEC filings?
You can read the 8-K earnings release (0001628280-26-032105) and the 10-Q periodic report (0001628280-26-032294) directly on SEC EDGAR. The filing index links above go to sec.gov.