Earnings release

Affirm Holdings, Inc. Affirm Holdings, Inc. · Q3 FY2026

ReportedMay 7, 2026
Period endedMar 31, 2026
Rule of 40+64

Consensus vs reported

EPS BEAT +76%
$0.30
vs $0.17 expected
QoQ−18.9%
YoY+2900.0%
Revenue BEAT +4%
$1.04B
vs $995.85M expected
QoQ−7.5%
YoY+32.6%

QoQ and YoY are measured on the same basis as each panel's own consensus, so no panel compares two different measures.

The quarter in short

Revenue $1.04B, up 32.6% year over year and down 7.5% on the quarter. EPS $0.30, down 18.9% on the quarter. Free cash flow $325M, up 106.6% year over year and 175.4% on the quarter. EPS beat consensus by 76%. Rule of 40 score +64.

Reported this quarter

Revenue
$1.04B
QoQ −7.5% YoY +32.6%
EPS
$0.30
QoQ −18.9% YoY +2900.0%
Free Cash Flow
$325M
QoQ +175.4% YoY +106.6%
FCF Margin
31.3%
QoQ +20.8 pp YoY +11.2 pp
P/E Ratio
41.6
QoQ −54.7% YoY —

Each tile opens the full quarterly series. Download the numbers as CSV or JSON.

Before the print: Q3 FY2026 preview.

Estimate against reported

$5.31$2.32−$0.68FY2025 Q2 reported $0.23FY2025 Q2FY2025 Q3 reported $0.01FY2025 Q3FY2025 Q4 reported $0.20FY2025 Q4FY2026 Q1 reported $0.23FY2026 Q1FY2026 Q2 reported $0.37FY2026 Q2FY2026 Q3 estimate $0.17FY2026 Q3 reported $0.30FY2026 Q3FY2026 Q4 estimate $0.33FY2026 Q4 reported $4.62FY2026 Q4FY2027 Q1
Our published estimate Reported EPS
QuarterEstimateReportedSurprise
FY2025 Q2 — $0.23 —
FY2025 Q3 — $0.01 —
FY2025 Q4 — $0.20 —
FY2026 Q1 — $0.23 —
FY2026 Q2 — $0.37 —
FY2026 Q3 $0.17 $0.30 +76%
FY2026 Q4 $0.33 $4.62 +1300%
FY2027 Q1 — not yet reported —

Estimates are the consensus we published on our own preview for that quarter; quarters we did not preview carry the reported figure only. Where a consensus was set on a non-GAAP basis, the reported column shows that same measure.

Sources & downloads

Company Published by the company on the day of the release.
HTML Earnings press release Investor relations announcement
SEC filings Filed with the SEC under CIK 1820953.
HTML 8-K results announcement Filed May 7, 2026 HTM Press release (EX-99.1) Exhibit 99.1 to the 8-K 67 KB HTML Filing index Every document in the 8-K submission TXT Complete submission Raw archival text of the whole filing HTML 10-Q quarterly report Period ended Mar 31, 2026, filed May 7, 2026 ZIP XBRL data bundle Structured financial statements from the 10-Q JSON Company facts (XBRL) Every figure AFRM has reported to the SEC
R40 data The numbers shown on this page, as we hold them.
CSV This quarter (CSV) Reported metrics for Q3 FY2026, spreadsheet-ready JSON This quarter (JSON) Metrics, dates and matched filings

Q3 FY2026 across the sector

SOFI Apr 28, 2026 HOOD May 6, 2026 UPST May 5, 2026 0 PYPL Apr 28, 2026 +18 COIN May 7, 2026 −18 LMND Apr 30, 2026 +69

Every AFRM quarter

Q4 FY2026 Q3 FY2026 Q2 FY2026 Q1 FY2026 Q4 FY2025 Q3 FY2025 Q2 FY2025 Q1 FY2025 Q4 FY2024