Affirm Holdings, Inc. (NASDAQ:AFRM) Receives $93.58 Consensus Target Price from Analysts

Affirm Holdings, Inc. (NASDAQ:AFRM) has received an average recommendation of “Moderate Buy” from the thirty analysts that are presently covering the company, Marketbeat reports. Eight investment analysts have rated the stock with a hold rating, twenty-one have given a buy rating and one has given a strong buy rating to the company. The average 1-year target price among analysts that have issued a report on the stock in the last year is $98.08.

Several analysts have issued reports on AFRM shares. Susquehanna upped their price objective on Affirm from $105.00 to $110.00 and gave the company a “positive” rating in a research note on Friday. JPMorgan Chase & Co. lifted their price objective on shares of Affirm from $90.00 to $105.00 and gave the stock an “overweight” rating in a research report on Friday. Stephens increased their target price on Affirm from $55.00 to $75.00 and gave the stock an “equal weight” rating in a research note on Friday, May 8th. BMO Capital Markets lifted their price objective on shares of Affirm from $86.00 to $101.00 and gave the stock an “outperform” rating in a research note on Friday. Finally, Robert W. Baird upped their target price on Affirm from $70.00 to $82.00 and gave the company a “neutral” rating in a research report on Tuesday, July 14th.

Affirm Trading Up 0.3%

NASDAQ AFRM opened at $77.76 on Wednesday. Affirm has a 12 month low of $42.10 and a 12 month high of $100.00. The company has a current ratio of 11.32, a quick ratio of 11.32 and a debt-to-equity ratio of 2.39. The stock has a 50 day moving average of $77.45 and a 200-day moving average of $64.60. The company has a market cap of $26.04 billion, a PE ratio of 14.09, a PEG ratio of 3.14 and a beta of 3.71.

Affirm (NASDAQ:AFRM) last issued its earnings results on Thursday, August 27th. The company reported $4.62 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.35 by $4.27. Affirm had a net margin of 45.29% and a return on equity of 54.47%. The company had revenue of $1.07 billion for the quarter, compared to analysts’ expectations of $1.11 billion. During the same period in the prior year, the firm earned $0.20 EPS. Affirm’s quarterly revenue was up 33.1% compared to the same quarter last year. On average, equities research analysts anticipate that Affirm will post 1.73 EPS for the current fiscal year.

Insider Activity

In other news, COO Michael Linford sold 100,000 shares of the company’s stock in a transaction on Friday, June 26th. The shares were sold at an average price of $80.04, for a total transaction of $8,004,000.00. Following the completion of the transaction, the chief operating officer directly owned 117,984 shares in the company, valued at approximately $9,443,439.36. This represents a 45.87% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 11.01% of the company’s stock.

Institutional Trading of Affirm

Hedge funds and other institutional investors have recently made changes to their positions in the company. Greenline Wealth Management LLC bought a new stake in shares of Affirm in the 4th quarter valued at about $26,000. Triumph Capital Management acquired a new stake in Affirm during the 3rd quarter worth about $31,000. Strive Financial Group LLC bought a new position in shares of Affirm in the 4th quarter worth about $33,000. Larson Financial Group LLC raised its position in shares of Affirm by 74.5% in the 3rd quarter. Larson Financial Group LLC now owns 499 shares of the company’s stock worth $36,000 after acquiring an additional 213 shares in the last quarter. Finally, Bogart Wealth LLC lifted its stake in shares of Affirm by 2,381.0% in the 4th quarter. Bogart Wealth LLC now owns 521 shares of the company’s stock valued at $39,000 after purchasing an additional 500 shares during the period. 69.29% of the stock is currently owned by institutional investors.

Affirm News Summary

Here are the key news stories impacting Affirm this week:

• Positive Sentiment: Affirm reported record quarterly profitability, with adjusted EPS of $4.62 versus estimates ranging from approximately $0.35 to $3.77. Revenue increased 33% year over year, while gross merchandise volume rose 36% and adjusted operating income climbed 49%. Affirm Q4 Earnings and Revenues Beat Estimates
• Positive Sentiment: Management’s fiscal 2027 outlook was reportedly above consensus, supported by continued card adoption, merchant expansion and growing use of installment payments for smaller, everyday purchases. Credit performance remained stable, helping reduce concerns about consumer losses. Affirm Q4 Earnings Call Highlights Growth and Product Expansion
• Positive Sentiment: Lower funding costs were another profit tailwind: financing costs fell 103 basis points to 5.8%, allowing margin expansion while the company maintained tight underwriting standards. Affirm Operational Results and Funding Costs
• Positive Sentiment: Several analysts raised their targets following the results. JPMorgan lifted its target to $105 and maintained an overweight rating, BMO raised its target to $101 with an outperform rating, and RBC increased its target to $96. Analyst Price Target Changes
• Positive Sentiment: Affirm expanded its Shopify partnership into Australia through Shop Pay Installments, opening a new international growth channel and increasing the potential reach of its payment products. Affirm and Shopify Launch Shop Pay Installments in Australia
• Neutral Sentiment: Unusually heavy call-option activity and a broader rebound in buy-now-pay-later stocks may be amplifying the move, but these signals do not necessarily reflect long-term fundamental demand.
• Negative Sentiment: The $4.62 EPS headline should be interpreted cautiously because it benefited from a one-time tax allowance release. Reported revenue of roughly $1.07 billion was also below some analyst estimates near $1.11 billion, while the stock’s elevated valuation leaves limited room for execution disappointments. Affirm Earnings Quality Analysis

Affirm Company Profile

Affirm Holdings, Inc is a financial technology company that provides point-of-sale consumer lending and payments solutions for online and in-store purchases. Its core product is a buy-now-pay-later (BNPL) platform that enables consumers to split purchases into fixed, transparent installment loans with no hidden fees. Affirm offers a range of financing options through merchant integrations, a consumer-facing mobile app and virtual card capabilities, and tools for merchants to offer alternative payment methods at checkout.