Affirm Holdings is scheduled to report fourth-quarter and full-year fiscal 2026 results after the market closes on Thursday, August 27, with shares trading near $76.94 ahead of the release. The Affirm Card has become the company’s main growth engine, with volume rising 146% year over year to $2.13 billion and active cardholders reaching 4.4 million, or 17% of Affirm’s total customer base. The card extends buy-now-pay-later services into online purchases, physical retail and everyday spending. Recent integrations with Google Pay, Google Search, the Gemini application, Stripe and Apple Pay have expanded its payment reach, including automated agent-driven purchases and physical retail use. Average annual transactions per customer increased 50% to 6.7, while the merchant network reached 515,000 active business partners. Wallet-linked transaction volume totaled $1.7 billion over the trailing 12 months, and fuel and service-related purchases tripled year over year. Affirm also added banking platform connections and announced forthcoming zero-cost loyalty incentives for card members. In the third quarter, the company achieved GAAP operating profitability for the first time as a public company; interest-generating lending products now represent more than 70% of transaction volume. Analysts expect fourth-quarter revenue of $1.08 billion to $1.11 billion, gross merchandise volume of $13.15 billion to $13.45 billion, earnings per share of $0.35 and adjusted operating margins of 27.5% to 29.5%. Investors are expected to focus on card penetration, transaction frequency, credit performance, interest margins and fiscal 2027 guidance. Oppenheimer reaffirmed its Outperform rating on August 24 and raised its price target to $100 from $87. The consensus is Strong Buy, based on 16 Buy and five Hold recommendations, with a mean target of $93.41, implying roughly 21% upside. GuruFocus places AFRM’s GF Value at $73.62 and its GF Score at 82 out of 100, including a perfect 10 out of 10 growth rating. Insiders sold $8.16 million of shares in the previous three months, another point investors may weigh alongside management’s outlook.