Affirm vs Samsara
This page compares Affirm and Samsara, examining their business models, financial performance, and market context in a neutral, accessible way. It offers a balanced overview of how each company operates, their value propositions, and the factors shaping their industry position. Educational content, not financial advice.
This page compares Affirm and Samsara, examining their business models, financial performance, and market context in a neutral, accessible way. It offers a balanced overview of how each company operat...
Why It's Moving
Affirm stock swings amid technical pullback and upbeat Q2 earnings buzz ahead of Thursday report.
- Stock extended losses to close at $62.80, down 3.92% on the day, lagging broader market declines as technical indicators flash bearish signals.
- Wall Street projects Q2 EPS of $0.28 (up 22% YoY) and revenue of $1.06B (up 22% YoY), building on last quarter's beat and signaling sustained BNPL demand.
- New deals deepen ties: Exclusive US partnership with Expedia for travel financing and multi-year QuickBooks deal with Intuit for SMB pay-over-time options.
Samsara Posts Record Q3 Growth and First GAAP Profit Amid Fleet Management Dominance.
- Revenue hit $416M, beating estimates by over $17M, with ARR reaching $1.75B—both up 29% YoY—fueled by 219 customers over $100k ARR and a record 17 at $1M+.
- Net new ARR of $105M (up 24% YoY) included 20% from new AI features like Multicam, Asset Maintenance, and Connected Workflows, boosting safety and efficiency.
- Topped G2's Fleet Management rankings for five straight quarters with a 99 score, underscoring market leadership as large enterprises ramp up adoption.
Affirm stock swings amid technical pullback and upbeat Q2 earnings buzz ahead of Thursday report.
- Stock extended losses to close at $62.80, down 3.92% on the day, lagging broader market declines as technical indicators flash bearish signals.
- Wall Street projects Q2 EPS of $0.28 (up 22% YoY) and revenue of $1.06B (up 22% YoY), building on last quarter's beat and signaling sustained BNPL demand.
- New deals deepen ties: Exclusive US partnership with Expedia for travel financing and multi-year QuickBooks deal with Intuit for SMB pay-over-time options.
Samsara Posts Record Q3 Growth and First GAAP Profit Amid Fleet Management Dominance.
- Revenue hit $416M, beating estimates by over $17M, with ARR reaching $1.75B—both up 29% YoY—fueled by 219 customers over $100k ARR and a record 17 at $1M+.
- Net new ARR of $105M (up 24% YoY) included 20% from new AI features like Multicam, Asset Maintenance, and Connected Workflows, boosting safety and efficiency.
- Topped G2's Fleet Management rankings for five straight quarters with a 99 score, underscoring market leadership as large enterprises ramp up adoption.
Investment Analysis
Affirm
AFRM
Pros
- Affirm offers a digital point-of-sale payment platform with wide adoption across consumers and merchants in the US, Canada, and internationally.
- The company demonstrated strong revenue growth of around 33% over recent quarters, signaling solid top-line expansion.
- Affirm has expanded partnerships with major players like Worldpay and Wayfair, increasing its payment solution integration and potential market reach.
Considerations
- The stock trades at a very high price-to-earnings ratio above 430, indicating elevated valuation levels and potential overvaluation risk.
- Profit margins and return on equity remain below industry averages, reflecting challenges in cost management and capital efficiency.
- Significant share price volatility is evident, with a wide 52-week trading range from about $31 to $100, suggesting investor uncertainty and execution risks.
Samsara
IOT
Pros
- Samsara is a leader in providing Internet of Things (IoT) solutions for operational efficiency, capturing demand across transportation, logistics, and manufacturing sectors.
- The company benefits from secular growth trends in digitisation and data-driven operational management that drive recurring revenue improvements.
- Samsara maintains a strong client base with growing adoption of its platform, underpinning expansion in annual recurring revenue and market penetration.
Considerations
- Samsara faces macroeconomic and supply chain headwinds that could pressure growth momentum and margin expansion in the near term.
- Its business is exposed to competitive pressures from large enterprise technology and traditional industrial companies expanding their offerings.
- The company carries elevated valuation multiples, reflecting high growth expectations that may be difficult to sustain amid market uncertainties.
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Affirm (AFRM) Next Earnings Date
Affirm Holdings (AFRM) is scheduled to release its Q2 fiscal 2026 earnings after market close on Thursday, February 5, 2026, covering the quarter ended December 2025. A conference call with management is set for 5:00 PM ET following the release. This aligns with the company's pattern of early February reporting for its second fiscal quarter.
Samsara (IOT) Next Earnings Date
Samsara (IOT) already released its Q3 FY26 earnings on December 4, 2025, covering the quarter ended November 1, 2025. The next earnings date, for Q4 FY26, is estimated around March 5, 2026, aligning with the company's historical early-March pattern for fiscal year-end reports. Investors should monitor Samsara's investor relations site for official confirmation.
Affirm (AFRM) Next Earnings Date
Affirm Holdings (AFRM) is scheduled to release its Q2 fiscal 2026 earnings after market close on Thursday, February 5, 2026, covering the quarter ended December 2025. A conference call with management is set for 5:00 PM ET following the release. This aligns with the company's pattern of early February reporting for its second fiscal quarter.
Samsara (IOT) Next Earnings Date
Samsara (IOT) already released its Q3 FY26 earnings on December 4, 2025, covering the quarter ended November 1, 2025. The next earnings date, for Q4 FY26, is estimated around March 5, 2026, aligning with the company's historical early-March pattern for fiscal year-end reports. Investors should monitor Samsara's investor relations site for official confirmation.
Which Baskets Do They Appear In?
Power & Control Portfolio
These carefully selected stocks represent companies putting unprecedented control directly in users' hands. Professional analysts have assembled this collection of innovators in fintech, smart home automation, and personal technology that are revolutionizing how people manage their daily lives.
Published: June 17, 2025
Explore BasketWhich Baskets Do They Appear In?
Power & Control Portfolio
These carefully selected stocks represent companies putting unprecedented control directly in users' hands. Professional analysts have assembled this collection of innovators in fintech, smart home automation, and personal technology that are revolutionizing how people manage their daily lives.
Published: June 17, 2025
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