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Affirm (AFRM) · Financial Technology

Affirm Q4 FY2026 earnings: summary, key numbers & outlook

Results filed 27 Aug 2026 · Quarter ended 30 Jun 2026

Press release ↗Investor relations ↗

Summaries and transcripts are machine-generated and can contain errors.

In brief

Affirm's Q4 FY2026 shareholder letter text was not included in the provided source, so no reported figures can be stated.

It has no body text, tables or figures. No results can be reported without inventing numbers, so none are given here.

Management's outlook and the main risks to it cannot be described either, because the source gives no guidance, commentary or call transcript. To publish a citation-grade summary, the full text of the EX-99.1 shareholder letter is needed. A transcript would also let the quotes and Q&A sections be completed.

Key takeaways

  1. Source contained only a filing header

    The EX-99.1 document included only its file name and header line, with no financial content.

  2. No headline results can be cited

    Revenue, net income, EPS, margins and cash flow are all absent, so none are reported.

  3. No management guidance was provided

    The source states no next-quarter or full-year outlook, so no forward-looking figures can be listed.

  4. No earnings call transcript was supplied

    Quotes, speaker labels and analyst Q&A cannot be produced without a transcript.

  5. Full shareholder letter is needed to proceed

    Re-running with the complete EX-99.1 text would allow verbatim, sourced metrics, segments and guidance.

Charts

Revenue$1.2B+33.0% y/yQ4 FY26
Q2 FY25: $866.4MQ2 25$866.4MQ3 FY25: $783.1MQ3 25$783.1MQ4 FY25: $876.4M (worked out from the annual figure)Q4 25$876.4MQ1 FY26: $933.3MQ1 26$933.3MQ2 FY26: $1.1BQ2 26$1.1BQ3 FY26: $1.0BQ3 26$1.0BQ4 FY26: $1.2B (worked out from the annual figure)Q4 26$1.2BQ1 FY27: $1.3BQ1 27$1.3B

Fourth quarter worked out from the annual figure.

Data
Q2 FY25$866.4M
Q3 FY25$783.1M
Q4 FY25$876.4M *
Q1 FY26$933.3M
Q2 FY26$1.1B
Q3 FY26$1.0B
Q4 FY26$1.2B *
Q1 FY27$1.3B
Diluted EPS (GAAP)$0.47+104.3% y/yQ1 FY27
Q2 FY25: $0.23Q2 25$0.23Q3 FY25: $0.01Q3 25$0.01Q1 FY26: $0.23Q1 26$0.23Q2 FY26: $0.37Q2 26$0.37Q3 FY26: $0.30Q3 26$0.30Q1 FY27: $0.47Q1 27$0.47
Data
Q2 FY25$0.23
Q3 FY25$0.01
Q1 FY26$0.23
Q2 FY26$0.37
Q3 FY26$0.30
Q1 FY27$0.47

Fourth-quarter EPS appears once the press release is read; filings report it only for the full year.

Operating margin12.6%+6.0 pts y/yQ4 FY26
Q2 FY25: -0.5%Q2 25-0.5%Q3 FY25: -1.1%Q3 25-1.1%Q4 FY25: 6.6%Q4 256.6%Q1 FY26: 6.8%Q1 266.8%Q2 FY26: 10.5%Q2 2610.5%Q3 FY26: 8.5%Q3 268.5%Q4 FY26: 12.6%Q4 2612.6%Q1 FY27: 14.8%Q1 2714.8%
Data
Q2 FY25-0.5%
Q3 FY25-1.1%
Q4 FY256.6%
Q1 FY266.8%
Q2 FY2610.5%
Q3 FY268.5%
Q4 FY2612.6%
Q1 FY2714.8%
Free cash flow$229.3M+875.0% y/yQ4 FY26
Q2 FY25: $268.1MQ2 25$268.1MQ3 FY25: $157.4MQ3 25$157.4MQ4 FY25: $23.5MQ4 25$23.5MQ1 FY26: $320.2MQ1 26$320.2MQ2 FY26: $118.0MQ2 26$118.0MQ3 FY26: $325.1MQ3 26$325.1MQ4 FY26: $229.3MQ4 26$229.3MQ1 FY27: $144.6MQ1 27$144.6M
Data
Q2 FY25$268.1M
Q3 FY25$157.4M
Q4 FY25$23.5M
Q1 FY26$320.2M
Q2 FY26$118.0M
Q3 FY26$325.1M
Q4 FY26$229.3M
Q1 FY27$144.6M

Operating cash flow minus capital expenditure, from cash flow statements.

Questions

What were Affirm's Q4 FY2026 revenue and earnings?

The provided source does not state them, because it contains only a filing header. They cannot be reported from this material.

What guidance did Affirm give for the next quarter or full year?

No guidance appears in the provided source, so none can be stated.

Did Affirm's results improve from a year ago?

The source includes no year-over-year comparisons, so this cannot be determined from it.

What did management say on the earnings call?

No transcript was provided, so management's remarks are unavailable.

Documents

SEC filing