Affirm Holdings (AFRM) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2025, Affirm Holdings (AFRM) reported revenue of $933.34 million, up 33.6% over the same period last year. EPS came in at $0.23, compared to -$0.31 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $885.01 million, representing a surprise of +5.46%. The company delivered an EPS surprise of +109.09%, with the consensus EPS estimate being $0.11.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Affirm Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Gross Merchandise Volume (GMV): $10800 billion compared to the $10384.1 billion average estimate based on four analysts.Active Consumers: 24 compared to the 24 average estimate based on three analysts.Transactions per Active Consumer: 6 versus 6 estimated by two analysts on average.Total Transactions: 41 versus 36 estimated by two analysts on average.Revenue- Merchant network: $251.15 million compared to the $247.86 million average estimate based on six analysts. The reported number represents a change of +36.2% year over year.Revenue- Card network: $69.33 million versus $65.66 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +46% change.Revenue- Interest income: $454.12 million versus $435.9 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +20.4% change.Revenue- Servicing income: $39.69 million versus the six-analyst average estimate of $36.98 million. The reported number represents a year-over-year change of +52.8%.Revenue- Gain on sales of loans: $119.05 million versus $94.11 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +87.2% change.View all Key Company Metrics for Affirm Holdings here>>>Shares of Affirm Holdings have returned -5% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.Free: See Our Top Stock And 4 Runners UpWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Affirm Holdings, Inc. (AFRM): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks