Affirm Holdings Inc.
Affirm Reports Strong Q3 2026 Financial Results
Summary
Affirm Holdings, Inc. reported robust financial results for the third fiscal quarter of 2026, with total revenue growing 33% to $1.039 billion and gross merchandise volume (GMV) increasing 35% to $11.6 billion. The company achieved an operating margin of 8.5% and an adjusted operating margin of 27%. Key highlights include a 41% growth in revenue less transaction costs (RLTC) and a 35% increase in GMV. The company also saw a 22% increase in active consumers and a 44% rise in active merchants. Funding capacity increased to $28.2 billion, supporting over $65 billion in annual GMV.
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About Affirm Holdings Inc.
Affirm Holdings Inc. is a financial technology company that offers a flexible and transparent alternative to traditional credit. Its primary function is to provide consumers with installment loans at the point of sale to finance purchases. This service allows customers to split the cost of large purchases into manageable payments over time, often without hidden fees or compounding interest, which is a distinctive feature in the credit space. Affirm is widely used in e-commerce sectors, partnering with a vast array of retailers to simplify the purchasing process online. Founded in 2012 and headquartered in San Francisco, California, Affirm leverages advanced data analytics to perform credit checks and approve loans quickly, positioning itself as a leader in the "buy now, pay later" market. Through these partnerships, retailers can increase their conversion rates by providing shoppers with more purchasing options, thus enhancing customer satisfaction. As a prominent player in the fintech industry, Affirm Holdings Inc. significantly influences consumer spending behaviors, impacting sectors ranging from retail and travel to wellness and automotive services.
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