Affirm Reports Q4 2025 Financial Results, Webcast Scheduled for Today at 2:00pm PT

Affirm Holdings reported Q4 2025 financial results, with details available on its investor relations website. The company will host a conference call to discuss the results today at 2:00pm PT. Affirm's mission is to provide honest financial products that improve lives, and its payment network is based on trust, transparency, and putting people first. The company does not charge late or hidden fees.

Affirm Holdings (AFRM) has released its Q4 2025 financial results, providing investors with insights into the company's performance and future prospects. The company will host a conference call today at 2:00 PM PT to discuss the results. Affirm's mission to offer honest financial products that improve lives has resonated with consumers, driving strong growth in its buy now, pay later (BNPL) market.

The company reported a 12-cent profit per share, a significant improvement over the 14-cent loss in Q4 2024. Revenue rose by 27% to $837 million, with gross merchandise volume (GMV) increasing by 33% to $9.61 billion. Affirm's new debit card contributed $58 million in revenue, showcasing the company's success in penetrating in-store shopping.

Investors will closely watch Affirm's fiscal 2026 outlook, particularly its guidance on GMV and revenue less transaction costs (RLTC) margins. Analysts project a 27% GMV growth to $45.525 billion with RLTC margins holding steady at about 4% [1]. The company's product mix has shifted to more BNPL plans with no interest, which generally have lower margins but attract higher credit quality consumers.

The relationship with retailer Walmart (WMT) remains a key factor in Affirm's outlook. Walmart has shifted most of its BNPL business to Klarna (KLAR), a rival of Affirm. Analysts expect Walmart's departure to lower Affirm's GMV, but the impact is expected to be more muted than some investors anticipate [1]. The company's strategic focus on top customers like Shopify (SHOP) and Amazon.com (AMZN) could offset any pressure from Walmart.

Affirm's stock has shown resilience, with a 26% gain in 2025 despite some volatility. The stock holds an IBD Composite Rating of 86 and an Accumulation/Distribution Rating of B, indicating positive investor sentiment [2]. The company's growth prospects and strong financial performance position it as a key player in the BNPL market.

As Affirm continues to expand its services and adapt to market conditions, investors will closely monitor its earnings and guidance for signs of future growth and profitability.

References:
[1] https://www.investors.com/news/technology/affirm-stock-affirm-earnings-what-could-move-shares/
[2] https://www.investors.com/research/the-new-america/affirm-stock-afrm-stock-bnpl-market-growth-q4-earnings-2025/