Overview

• EPS came in at $0.20 on revenue of $876 million, with gross merchandise volume rising 43% to a record $10.4 billion.
• The company reported positive operating income for the first time since going public, meeting a milestone it set a year ago.
• Management guided Q1 revenue to $855 million–$885 million and projected fiscal 2026 GMV to exceed $46 billion, with Q1 GMV targeted at $10.1 billion–$10.4 billion.
• Affirm Card momentum accelerated as card GMV grew 132% to $1.2 billion, active cardholders reached about 2.3 million, and early AdaptAI deployments delivered a 5% lift in merchant volume.
• Shares rose roughly 15% after the report and continued higher Friday, as executives highlighted resilient consumer behavior and reported delinquencies near 2.3%.