- Revenue: $783.1M, +36% YoY
- Net Income: $2.8M vs -$133.9M in Q3 2024
- GMV: $8.6B, +36% YoY
🌱Revenue & Growth
- Network Revenue: $272.5M, +40% YoY
- Interest Income: $402.7M, +28% YoY
- Active Consumers: 21.9M, +23% YoY
- Active Merchants: 358.4K, +23% YoY
💰Profits & Health
- Operating Loss: -$8.4M vs -$160.8M in Q3 2024
- Adjusted Operating Income: $174M, +121% YoY
- Operating Margin: -1% vs -28% in Q3 2024
- Adjusted Operating Margin: 22% vs 14% in Q3 2024
- Net Cash: $2.1B, +$250M from Dec 2024
📌Business Highlights
- Added 1.8M new-to-Affirm consumers
- Affirm Card GMV: $807M, +115% YoY
- Partnered with Costco for online payments
- Extended Shopify agreement to Jun 2028
- Launched real-time merchant dispute adjudication
🔮Future Outlook
- Q4 2025 GMV: $9.4B-$9.7B
- Q4 2025 Revenue: $815M-$845M
- Q4 2025 Operating Margin: 1%-3%
- Q4 2025 Adjusted Operating Margin: 23%-25%
- FY2025 GMV: $35.7B-$36B