• Projected Revenue Growth: Affirm is expected to report a revenue increase of 26.7% year-over-year, reaching $885 million.
• Challenges Ahead: High interest rates and market volatility could moderate revenue growth, despite a positive outlook.
• Financial Health: Affirm showcases a strong liquidity position with a current ratio of approximately 54.19, but a high debt-to-equity ratio of about 2.56.

Affirm Holdings, Inc. (NASDAQ:AFRM) is a prominent player in the buy now, pay later (BNPL) sector. The company is set to release its quarterly earnings on November 6, 2025. Wall Street estimates the earnings per share (EPS) to be $0.10, with projected revenue of approximately $882 million. Affirm's performance in the upcoming earnings report is crucial for investors.

The Internet Software sector, which includes Affirm, is expected to benefit from increased demand due to advancements in artificial intelligence, cloud computing, and automation. These technological trends have likely contributed to the projected revenue growth for Affirm. The company is anticipated to report a revenue increase of 26.7% year-over-year, reaching $885 million, as highlighted by Zacks.

Despite the positive outlook, Affirm faces challenges due to high interest rates and market volatility. These factors could moderate the otherwise robust revenue growth in the industry. Affirm's financial metrics reveal a strong liquidity position, with a current ratio of approximately 54.19. This indicates that the company has ample current assets to cover its current liabilities. However, the debt-to-equity ratio of about 2.56 shows that Affirm uses a significant amount of debt financing relative to its equity.

Investors should pay close attention to the management's discussion during the earnings call, as it will be crucial in assessing the sustainability of any immediate price changes and future earnings projections. A positive earnings per share (EPS) surprise could influence the stock's price, while a miss in expectations might lead to a decline.