Affirm raises FY2026 guidance on strong growth in users, merchants, and 0% APR demand.

Affirm has demonstrated strong growth driven by increased user acquisition, merchant adoption, and demand for its 0% APR offerings and Affirm Card. This growth has led to an expanded customer base, higher engagement, and improved financial performance in FQ3 2026. As a result, Affirm raised its full-year 2026 guidance three times, supported by richer margins and resilient credit metrics. Despite a recent stock rally, Affirm remains a solid buy for patient investors due to its high double-digit growth rates outperforming the sector's average.