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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:
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Gross Merchandise Volume (GMV): $8,558 billion compared to the $8,129.51 billion average estimate based on three analysts.
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Transactions per Active Consumer: 6 versus 5 estimated by two analysts on average.
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Active Consumers: 22 versus the two-analyst average estimate of 21.
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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.
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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.
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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%.
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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.
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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.
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