Here's What Key Metrics Tell Us About Affirm Holdings (AFRM) Q3 Earnings

Affirm Holdings (AFRM) reported $1.04 billion in revenue for the quarter ended March 2026, representing a year-over-year increase of 32.6%. EPS of $0.30 for the same period compares to $0.01 a year ago.The reported revenue represents a surprise of +4.09% over the Zacks Consensus Estimate of $997.92 million. With the consensus EPS estimate being $0.17, the EPS surprise was +79.53%.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:Active Consumers: 27 versus 26 estimated by three analysts on average.Gross Merchandise Volume (GMV): $11600 billion compared to the $11153.68 billion average estimate based on three analysts.Total Transactions: 45 versus the two-analyst average estimate of 42.Transactions per Active Consumer: 7 versus 6 estimated by two analysts on average.Revenue- Merchant network: $268.03 million versus the five-analyst average estimate of $271.72 million. The reported number represents a year-over-year change of +25.3%.Revenue- Card network: $66.47 million versus $72.84 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +13.5% change.Revenue- Interest income: $532.45 million compared to the $504.1 million average estimate based on five analysts. The reported number represents a change of +32.2% year over year.Revenue- Servicing income: $44.62 million versus the five-analyst average estimate of $44.63 million. The reported number represents a year-over-year change of +39.2%.Revenue- Gain on sales of loans: $127.2 million versus $99.71 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +67.7% change.View all Key Company Metrics for Affirm Holdings here>>>Shares of Affirm Holdings have returned +31.7% over the past month versus the Zacks S&P 500 composite's +11.4% 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.Beyond Nvidia: AI's Second Wave Is HereThe AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. AI’s second wave is moving from infrastructure to implementation and these companies are at the forefront of this transition, positioned to become what Amazon and Google were to the internet era.See Stocks Now >>This article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks