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Affirm Holdings, Inc. AFRM Q4 2026 Annual earnings

Reported August 27, 2026 · After market close

Revenue$1.2BBeat by $58.9M
EPS$4.62Beat by $4.27
Revenue estimate$1.1B
EPS estimate$0.35

Next report

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

Financials

Q4 2026

Income statement

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Revenue$1.2B+33.0%
Operating income$147.3M—
Net income$1.6B+2,235%
EPS (diluted)$4.63+2,215%

Balance sheet

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Cash & equivalents$1.6B-7.2%
Total debt$29.2M-8.6%
Total equity$5.5B+78.7%
Total assets$15.8B+41.6%

Cash flow

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Operating cash flow$296.2M+297%
CapEx$66.9M+30.8%
Free cash flow$229.3M+875%

Valuation & ratios

Valuation

as of 10/09/26
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Market cap$26.03B+3.2%
Enterprise value$24.43B-22.6%
P/E13.5×-94.7×
P/S6.1×-1.2×

Profitability

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Operating margin9.8%—
Net margin45.3%+43.7pp
FCF margin23.3%+4.6pp

Returns & leverage

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Return on equity45.1%+43.3pp
Debt / equity0×0.0×

Segments

By product

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Merchant network revenue$302.4M+26.3%
Card network revenue$85.2M+26.9%

FAQ

When did Affirm Holdings, Inc. report Q4 2026 earnings?
Affirm Holdings, Inc. (AFRM) reported Q4 2026 earnings on August 27, 2026 after market close.
What were Affirm Holdings, Inc.'s Q4 2026 revenue and EPS?
Affirm Holdings, Inc. reported revenue of $1.2B and eps of $4.62 for Q4 2026.
Did Affirm Holdings, Inc. beat estimates in Q4 2026?
Revenue beat the consensus estimate of $1.1B by $58.9M. EPS beat the consensus estimate of $0.35 by $4.27.
How did Affirm Holdings, Inc.'s Q4 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 33.0% from $876.4M a year earlier and eps grew 2210.0% from $0.20.
Where can I find Affirm Holdings, Inc.'s Q4 2026 SEC filings?
You can read the 8-K earnings release (0001628280-26-059271) and the 10-K periodic report (0001628280-26-059279) directly on SEC EDGAR. The filing index links above go to sec.gov.