Latest Earnings Results: Q4 '26
Estimated EPS
$0.35
Reported EPS
$4.62
Surprise
+1224.02%
Estimated Rev
$1.11B
Reported Rev
$1.17B
Surprise
+5.32%
• Reported GAAP EPS of $4.62 up 2210.00% YoY • Reported revenue of $1.07B up 36.38% YoY
Bullish Takeaway
Affirm achieved strong fiscal 2026 momentum, growing gross merchandise volume 37% to $50.2B and reaching operating profitability of $417M, driven by Affirm Card expansion and repeat consumer engagement of 96%.
Bearish Takeaway
Affirm faces risks from heavy partner concentration with Amazon representing 22% of GMV, rising credit loss provisions of $796.7M, elevated loan modifications, and increasing state and federal regulatory scrutiny over BNPL.
Generated by Stocktwits using AI and company-reported earnings data for Q4 '26. This recap is intended to help readers understand the quarter quickly. Verify key figures in the linked source materials; the summary may contain errors and is not investment advice.
Historical Earnings
Quarterly
Annual
EPS
Revenue
| Fiscal Period | Estimated | Reported | Surprise | Result |
|---|---|---|---|---|
Q1 '27 | $0.36 | -- | -- | N/A |
Q4 '26 | $0.35 | $4.62 | 1224.02% | BEAT |
Q3 '26 | $0.17 | $0.30 | 76.09% | BEAT |
Q2 '26 | $0.27 | $0.37 | 38.37% | BEAT |
Q1 '26 | $0.11 | $0.23 | 105.22% | BEAT |