Affirm shares rose 15% in extended trading on Thursday after the provider of buy now, pay later loans reported better-than-expected earnings and revenue for the fiscal fourth quarter.

Here’s how the company did versus LSEG consensus estimates:

• EPS: 20 cents vs. 11 cents estimated
• Revenue: $876 million vs. $837 million estimated

Revenue climbed 33% in the period from $659 million in the same quarter a year earlier. Gross merchandise volume rose 43% to $10.4 billion from $7.2 billion a year ago.

Affirm reported net income of $69.2 million, or 20 cents a share, after recording a loss a year earlier of $45.1 million, or 14 cents a share.

 “This consistent execution led Affirm to achieve operating income profitability in FQ4’25 – right on the schedule we committed to a year ago,” the company said in its shareholder letter.

For the first quarter, Affirm said revenue will be between $855 million and $885 million, while gross merchandise volume will be $10.1 billion to 10.4 billion.

Shares of Affirm were up 31% this year before the after-hours pop, topping the Nasdaq’s 12% gain.

Affirm, which went public in 2021, faces growing competition in e-commerce. It has partnerships with Amazon and Shopify, but Walmart recently shifted to competitor Klarna, which is expected to go public in the near future. Last year, Affirm announced a deal with Apple.

WATCH: Affirm posts earnings and revenue beat

Elon Musk’s fervent promotion of Tesla‘s self-driving technology isn’t doing much to win over prospective buyers.

According to a new survey, more U.S. consumers say that Tesla’s FSD, or Full Self-Driving (Supervised) systems, would push them away from the brand rather than drawing them to it.

The Electric Vehicle Intelligence Report for August, published by political consulting firm Slingshot Strategies, polled 8,000 Americans. Only 14% of those surveyed said FSD would make them more likely to buy a Tesla, while 35% said the technology would make them less likely to purchase one.

The remaining 51% said the availability of FSD would make no difference to them in terms of their car buying decisions. Nearly half of consumers surveyed by Slingshot said they think FSD technology should be illegal.

For Tesla, the troubling results land in the middle of a sales slump resulting from an aging lineup of electric vehicles and increased competition from rivals. There’s also reputational damage in response to Musk, his incendiary political rhetoric, work with the Trump administration and support of Germany’s far-right AfD party.

Sales of Tesla cars in Europe plunged 40% in July from a year earlier, the seventh consecutive month of declines.

In the robotaxi market, Tesla is lagging Alphabet-owned Waymo, and Baidu’s Apollo Go. It’s now in the early stages of testing a ride-hailing service in Austin, Texas, and in the San Francisco Bay Area, with hopes to reach more cities this year. Cars in Austin have human supervisors on board, while those in San Francisco have drivers at the wheel.

Musk, the world’s richest person, has said the future of Tesla hangs on its ability to deliver autonomous vehicles and related services. He recently said a new variant of the Model Y, which launched in China, won’t “start production in the U.S. until the end of next year,” and “might not ever, given the advent of self-driving in America.”

For now, Tesla still relies on EV sales for the vast majority of its revenue, though Musk has touted FSD as one of the company’s big advantages over competitors.

Last month, executives suggested that Tesla has a market education problem when it comes to driving adoption of FSD.

“The vast majority of people don’t know it exists,” Musk said on the company’s second-quarter earnings call. “And it’s still like half of Tesla owners who could use it, haven’t tried it even once.”

Musk said he would start telling customers about FSD when they bring their cars in for service, and would begin reaching out to drivers, sending them videos of how it works.

Tesla CFO Vaibhav Taneja said on the July earnings call that people who subscribe to the premium FSD option get something like a “personal chauffeur” for about $3.33 a day.

The version of FSD Supervised that Tesla sells today is available to owners for $99 per month or an up-front purchase. The system gives users a limited set of self-driving capabilities on residential and city streets.

On Thursday, Tesla sent out a promotion offering 0% APR financing for customers ordering a new Model 3 by Sept. 1, as long as they add FSD Supervised to their order, or transfer it from their previously owned Tesla.

In early August, a jury found Tesla partially liable for a fatal crash where the driver was relying on its autopilot systems. Tesla, which plans to appeal the decision, must pay around $243 million in damages to victims and a survivor.

In the past two months, the number of consumers who view Tesla cars as unsafe has increased to 36% from 34%, the Slingshot report found, while those viewing Tesla as very safe fell to 13% from 17%.

Honda, Toyota and Chevrolet were seen as safest among the greatest number of respondents.

Tesla didn’t respond to a request for comment. Slingshot said it sent the survey results to the company but also didn’t hear back from the automaker.

Tesla may find that owners in other markets embrace its brand, and FSD, with greater enthusiasm. The company just started offering FSD Supervised in Australia this week.

Read Slingshot’s full Electric Vehicle Intelligence Report for August 2025 here.

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