Exchange: NASDAQ·Updated 07:59 PM EDT
Latest Earnings Results: Q4 '26

Reported: Aug 27

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.

Investor Presentation10-K

Historical Earnings

Quarterly

Annual

EPS

Revenue

Fiscal PeriodEstimatedReportedSurpriseResult
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

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