Affirm Holdings Inc reported its fiscal third-quarter earnings with earnings per share (EPS) of $0.01 and total revenue of $783 million, reflecting a 36% year-over-year increase. Gross Merchandise Volume (GMV) also rose 36% to $8.6 billion, with Direct-to-Consumer GMV growing 50% to $2.4 billion. The revenue as a percentage of GMV remained steady at 9.2%. Affirm Card GMV more than doubled during the quarter. The company highlighted strong credit quality and loan-to-value characteristics, with credit outcomes in line with expectations and no signs of consumer stress. Affirm achieved positive net income while expanding 0% APR programs and announced a major partnership with Costco. Despite these results, the company issued a weaker-than-expected revenue forecast for the fourth quarter, leading to an 8% decline in its stock price after hours.