NASDAQ$AFRM

Affirm · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Headline financials

Total Revenue

$153M

Previous: $264M-42.0%
EPS (adj)

$0.72

Previous: -$2.84+125.4%
GMV

$1.2B

No prior period
Active Consumers

3.6M

No prior period
Tx per Consumer

2.1

No prior period
Active Merchants

5.7K

No prior period
Capital Expenditures

$2.32M

Previous: $19.4M-88.1%
Free Cash Flow

-$30.8M

Previous: -$107M+71.3%
Net Income

$35.7M

Previous: -$120M+129.6%
Operating Income

$39.3M

Previous: -$127M+130.9%
Gross Profit

$107M

Previous: $264M-59.6%
Cash & Equivalents

$267M

Previous: $358M-25.4%
Total Assets

$1.4B

No prior period
Stock-Based Comp

$5.04M

Previous: $33.7M-85.1%

Revenue & EPS history

Affirm · Revenue · Quarterly

$153M

Q4 2020-42%vs Q4 2019
Beat estimate in 6 of 10 quarters(60%)
ActualEstimate

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports

Historical avg

+0.6%

Avg return

Earnings day

+2.3%

Avg return

5 days after

+1.4%

Avg return

30 days after

35%

9 / 26 earnings

Positive

+62.1%

Q3 2022

Best reaction

-37.7%

Q2 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2026-1.2%-6.2%-5.6%
Q2 2026-4.0%-4.8%-13.0%
Q1 2026+11.7%+19.7%+3.1%
Q3 2025-14.7%+4.2%+8.6%
Q2 2025+21.8%+22.5%-15.8%
Q1 2025-7.0%+15.2%+43.8%
Q4 2024+28.1%+35.4%+26.6%
Q3 2024-0.3%-8.3%-13.9%
Q2 2024-1.7%-10.9%-13.1%
Q1 2024+12.5%+3.6%+90.4%
Q4 2023+22.6%+32.0%+39.1%
Q3 2023+2.6%+1.1%+57.9%
Q2 2023-22.8%-26.2%-39.7%
Q1 2023-22.6%+8.8%-25.7%
Q4 2022-18.7%-22.1%-36.2%
Q3 2022+62.1%+72.5%+39.7%
Q2 2022-37.7%-40.0%-58.7%
Q1 2022-3.8%-6.2%-27.3%
Q4 2019-8.4%-3.0%+24.8%
Q4 2021+41.3%+23.4%+61.3%
Q3 2020-4.4%-1.2%+24.8%
Q3 2021+2.7%+0.0%+11.6%
Q1 2021-11.4%-12.0%-35.1%
Q4 2020-11.4%-12.0%-35.1%
Q2 2020-11.4%-12.0%-35.1%
Q2 2021-7.6%-12.5%-41.6%
Q1 2020

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