AFRM
Another quarter, another beat
Affirm showed up to earnings night and did what public companies love to do when they want the stock to moon: beat expectations. Q4 revenue landed at $1.17 billion, ahead of the $1.11 billion consensus, while earnings per share came in at $4.62.
The bigger headline for investors, though, is that the growth engine still looks pretty lively. GMV hit $11.6 billion, up 35% year over year, and total transactions climbed to 45 million, up 45%. That’s a nice little reminder that consumers are still swiping, tapping, and financing their way through checkout.
The part Wall Street really cares about
Affirm also handed investors a Q1 revenue forecast of $1.19 billion to $1.22 billion, above the $1.16 billion analyst estimate. Translation: management isn’t just looking back at a good quarter — it’s telling the market the next one could be just as chunky.
- Revenue beat expectations and grew sharply from last year’s $876.42 million
- Transaction volume and GMV both kept climbing
- The company’s outlook came in ahead of Street estimates
Why the stock moved
AFRM stock jumped 7.76% to $83.44 in extended trading, because markets are basically a giant mood ring and this one turned green fast. For investors, the key question is whether Affirm can keep combining growth with confidence in its guidance — because in fintech, that’s how you get rewarded instead of merely tolerated.
Big picture: this is the kind of report that tells you the company still has a story, not just a ticker.