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Affirm Holdings (DE:78P)
FRANKFURT:78P
Germany Market
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Affirm Holdings (78P) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Nov 05, 2025
After Close (Confirmed)
Period Ending
2026 (Q1)
Consensus EPS Forecast
0.09
Last Year’s EPS
-0.26
Same Quarter Last Year
Moderate Buy
Based on 21 Analysts Ratings

Earnings Call Summary

Q4 2025
Earnings Call Date:Aug 28, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance with record-breaking metrics and successful product expansions. However, there are concerns about the potential impact of losing a major enterprise merchant and broader economic challenges affecting consumer behavior.
Company Guidance
In the earnings call for Affirm Holdings, Inc.'s fourth quarter of fiscal 2025, strong guidance metrics were shared, highlighting the company's exceptional performance and future outlook. The company's growth is accelerating, with a record-setting quarter marked by significant achievements across most metrics, an unusual feat for a fourth quarter, which is typically less robust than fiscal Q2. Affirm's take rate is projected to remain stable, reflecting a continued strong mix of product offerings. The company is experiencing increased demand for its services, evidenced by a notable acceleration in Gross Merchandise Volume (GMV) and a record number of 0% APR transactions, which now involve 50% of first-time users. Additionally, Affirm continues to benefit from a favorable funding environment, with funding capacity up 55% year-over-year and a high utilization rate. The company is also expanding internationally, particularly in the U.K., and is optimistic about its strategic partnerships and consumer credit performance, which remains strong and well-managed.
Record-Breaking Performance
Affirm set a new record in most of its metrics during fiscal Q4, despite it being an off-peak period.
Growth in 0% APR Products
The 0% APR product attracted a significant number of new users, with half of the first-time users opting for it, and it showed strong repeat use.
Expansion in Funding Capacity
Funding capacity increased by roughly 55% year-over-year, with significant utilization flexibility.
Affirm Card Performance
The Affirm Card showed strong performance with $1.2 billion in volume and a 10% attach rate, with 0% volume on the card tripling.
International Expansion
Affirm is testing its U.K. market entry with Shopify and anticipates further expansion in Europe.

Affirm Holdings (DE:78P) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

DE:78P Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Nov 05, 2025
2026 (Q1)
0.09 / -
-0.264
Aug 28, 2025
2025 (Q4)
0.11 / 0.17
-0.119242.86% (+0.29)
May 08, 2025
2025 (Q3)
>-0.01 / <0.01
-0.366102.33% (+0.37)
Feb 06, 2025
2025 (Q2)
-0.11 / 0.22
-0.46146.85% (+0.68)
Nov 07, 2024
2025 (Q1)
-0.24 / -0.26
-0.48545.61% (+0.22)
Aug 28, 2024
2024 (Q4)
-0.41 / -0.12
-0.58779.71% (+0.47)
May 08, 2024
2024 (Q3)
-0.59 / -0.37
-0.58737.68% (+0.22)
Feb 08, 2024
2024 (Q2)
-0.62 / -0.46
-0.93750.91% (+0.48)
Nov 08, 2023
2024 (Q1)
-0.59 / -0.49
-0.73233.72% (+0.25)
Aug 24, 2023
2023 (Q4)
-0.74 / -0.59
-0.553-6.15% (-0.03)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

DE:78P Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Aug 28, 2025
€73.80€73.800.00%
May 08, 2025
€73.80€73.800.00%
Feb 06, 2025
€73.80€73.800.00%
Nov 07, 2024
€73.80€73.800.00%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Affirm Holdings (DE:78P) report earnings?
Affirm Holdings (DE:78P) is schdueled to report earning on Nov 05, 2025, After Close (Confirmed).
    What is Affirm Holdings (DE:78P) earnings time?
    Affirm Holdings (DE:78P) earnings time is at Nov 05, 2025, After Close (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is the P/E ratio of Affirm Holdings stock?
          The P/E ratio of Affirm Holdings is N/A.
            What is DE:78P EPS forecast?
            DE:78P EPS forecast for the fiscal quarter 2026 (Q1) is 0.09.

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