Filing Flows › Affirm Holdings (AFRM) › Guidance & outlook
Affirm Holdings (AFRM) guidance and outlook
Affirm Holdings' 10-Q filed Nov 5, 2026 makes 5 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 5, 2026
- As such, the CFPB has in the past requested reports concerning our organization, business conduct, markets, and activities, and we expect that the CFPB will continue to do so from time to time in the future.
- The provision is determined based on our estimate of expected future losses on loans originated during the period and held for investment on our balance sheet, changes in our estimate of future losses on loans outstanding as of the end of the period and the net charge-offs incurred in the period.
- The increase in the allowance rate year over year is primarily driven by an increase in loans held on our balance sheet as well as a change in the loan mix when compared to September 30, 2025, in line with expected credit performance.
- As we continue to expand in new geographies, we intend to add the necessary funding capacity to support our growth objectives.
- Under certain forward flow loan sale arrangements with third-party loan buyers, we have entered into risk sharing agreements where we may be required to make a payment to the loan buyer or are entitled to receive a payment from the loan buyer, depending on the actual versus expected loan performance as contractually agreed to with the counterparty, and subject to a cap based on a percentage of the principal…
Affirm Holdings' latest quarter
Affirm Holdings, Q1 FY27: revenue $1.3B (+35% year over year), operating margin 14.8%, net earnings $164M, operating cash flow $207M. The chart follows the revenue to costs, profit and cash.
Questions
What does Affirm Holdings expect?
As such, the CFPB has in the past requested reports concerning our organization, business conduct, markets, and activities, and we expect that the CFPB will continue to do so from time to time in the future. The provision is determined based on our estimate of expected future losses on loans originated during the period and held for investment on our balance sheet, changes in our estimate of future losses on loans outstanding as of the end of the period and the net charge-offs incurred in the period. The increase in the allowance rate year over year is primarily driven by an increase in loans
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.