The latest data point for AFRM's net income in Q3'26 shows a positive figure of $103M USD, marking a slight decline from the previous quarter's $130M USD but remaining well above breakeven, indicating sustained profitability amid ongoing operational improvements. Over the period from Q4'23 to Q3'26, net income has exhibited a clear upward trend, transitioning from substantial losses of -$206M USD in Q4'23 to consistent profits starting in Q2'25, with the most significant inflection point being the shift to positive territory at $80M USD in Q2'25. Year-over-year growth has been robust, accelerating from modest improvements (e.g., 31% in Q1'24) to exceptional gains like 2,534% in Q4'25 and a staggering 3,570% in Q3'26, reflecting accelerating efficiency and revenue momentum in the company's buy-now-pay-later model. This bar chart visualization underscores the volatility in early quarters giving way to stable growth, positioning AFRM for potential further expansion.