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 surges on blockbuster Q1 earnings with profitability breakthrough and bold growth outlook.
- Revenue jumped 34% to $933M, beating estimates by over $50M, while GAAP operating income hit $64M—proof Affirm is flipping losses into sustainable profits.
- GMV guidance for Q2 set at $13-13.3B and full-year over $47.5B, fueled by 0% APR expansion, Affirm Card traction, and Amazon partnership locked through 2031.
- Upsized $1.5B zero-interest convertible notes issuance provides firepower for growth, even as shares dipped recently before a sharp rebound.
Samsara's Q3 Earnings Surge Fuels Analyst Upgrade to Strong Buy Amid AI-Driven Growth Momentum.
- Q3 revenue hit $416M, up from $322M last year, while net income swung positive to $7.77M from a $37.81M loss—proof of accelerating demand for connected IoT solutions.
- Zacks upgraded to strong buy after revenue crushed estimates, with FY2026 EPS pegged at $0.50 and Q4 at $0.12–0.13, signaling sustained expansion.
- Projected full-year revenue nearing $1.6B underscores Samsara's stronghold in high-growth industrial IoT, despite recent insider sales weighing on sentiment.
Affirm surges on blockbuster Q1 earnings with profitability breakthrough and bold growth outlook.
- Revenue jumped 34% to $933M, beating estimates by over $50M, while GAAP operating income hit $64M—proof Affirm is flipping losses into sustainable profits.
- GMV guidance for Q2 set at $13-13.3B and full-year over $47.5B, fueled by 0% APR expansion, Affirm Card traction, and Amazon partnership locked through 2031.
- Upsized $1.5B zero-interest convertible notes issuance provides firepower for growth, even as shares dipped recently before a sharp rebound.
Samsara's Q3 Earnings Surge Fuels Analyst Upgrade to Strong Buy Amid AI-Driven Growth Momentum.
- Q3 revenue hit $416M, up from $322M last year, while net income swung positive to $7.77M from a $37.81M loss—proof of accelerating demand for connected IoT solutions.
- Zacks upgraded to strong buy after revenue crushed estimates, with FY2026 EPS pegged at $0.50 and Q4 at $0.12–0.13, signaling sustained expansion.
- Projected full-year revenue nearing $1.6B underscores Samsara's stronghold in high-growth industrial IoT, despite recent insider sales weighing on sentiment.
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), the BNPL fintech leader, has its next earnings release scheduled for February 5, 2026, after market close, with a conference call at 5:00 PM ET. This report will cover the second quarter of fiscal 2026 (Q2 2026), ending December 2025. Investor focus remains on gross merchandise volume growth and credit performance metrics amid ongoing market volatility.
Samsara (IOT) Next Earnings Date
Samsara (IOT) announced its Q3 FY26 earnings release for the quarter ended November 1, 2025, on December 4, 2025, after U.S. market close, followed by a webcast at 2:00 p.m. Pacific time. As of January 26, 2026, this report has already occurred, making the next earnings date for Q4 FY26 estimated around early March 2026 based on historical patterns. Investors should monitor Samsara's investor relations site for official confirmation of the precise date and time.
Affirm (AFRM) Next Earnings Date
Affirm Holdings (AFRM), the BNPL fintech leader, has its next earnings release scheduled for February 5, 2026, after market close, with a conference call at 5:00 PM ET. This report will cover the second quarter of fiscal 2026 (Q2 2026), ending December 2025. Investor focus remains on gross merchandise volume growth and credit performance metrics amid ongoing market volatility.
Samsara (IOT) Next Earnings Date
Samsara (IOT) announced its Q3 FY26 earnings release for the quarter ended November 1, 2025, on December 4, 2025, after U.S. market close, followed by a webcast at 2:00 p.m. Pacific time. As of January 26, 2026, this report has already occurred, making the next earnings date for Q4 FY26 estimated around early March 2026 based on historical patterns. Investors should monitor Samsara's investor relations site for official confirmation of the precise date and time.
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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