Affirm Holdings (AFRM) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended March 2025, Affirm Holdings (AFRM) reported revenue of $783.14 million, up 35.9% over the same period last year. EPS came in at $0.01, compared to -$0.43 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $783.85 million, representing a surprise of -0.09%. The company delivered an EPS surprise of +111.11%, with the consensus EPS estimate being -$0.09.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.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.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): $8,558 billion compared to the $8,129.51 billion average estimate based on three analysts. Transactions per Active Consumer: 6 versus 5 estimated by two analysts on average. Active Consumers: 22 versus the two-analyst average estimate of 21. Revenue- Merchant network: $213.97 million versus $199.48 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +34.3% change. Revenue- Card network: $58.57 million versus $46.40 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +64.2% change. Revenue- Interest income: $402.70 million versus the five-analyst average estimate of $414.44 million. The reported number represents a year-over-year change of +27.6%. Revenue- Servicing income: $32.05 million compared to the $31.25 million average estimate based on five analysts. The reported number represents a change of +26.7% year over year. Revenue- Gain on sales of loans: $75.84 million versus $81.19 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +88.7% change. View all Key Company Metrics for Affirm Holdings here>>>Shares of Affirm Holdings have returned +16.3% over the past month versus the Zacks S&P 500 composite's +11.3% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.7 Best Stocks for the Next 30 DaysJust released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops."Since 1988, the full list has beaten the market more than 2X over with an average gain of +23.9% per year. So be sure to give these hand picked 7 your immediate attention. See them now >>Want 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