Affirm Holdings, Inc. (NASDAQ:AFRM) Receives Average Recommendation of “Moderate Buy” from Analysts

Affirm Holdings, Inc. (NASDAQ:AFRM) has received an average recommendation of “Moderate Buy” from the twenty-eight analysts that are currently covering the company, MarketBeat.com reports. Seven research analysts have rated the stock with a hold recommendation, nineteen have issued a buy recommendation and two have assigned a strong buy recommendation to the company. The average 12-month price target among brokerages that have updated their coverage on the stock in the last year is $87.2083.

Several equities analysts have issued reports on the company. Morgan Stanley upgraded Affirm from an “equal weight” rating to an “overweight” rating and cut their price objective for the company from $83.00 to $76.00 in a research report on Tuesday. Weiss Ratings restated a “hold (c-)” rating on shares of Affirm in a research note on Monday, December 29th. BTIG Research reaffirmed a “neutral” rating on shares of Affirm in a report on Wednesday, December 17th. Wells Fargo & Company initiated coverage on shares of Affirm in a report on Tuesday, October 21st. They set an “overweight” rating and a $89.00 price objective on the stock. Finally, UBS Group set a $78.00 target price on shares of Affirm in a research note on Friday.

Affirm Price Performance

NASDAQ:AFRM opened at $57.03 on Friday. The firm has a market cap of $18.82 billion, a PE ratio of 70.41, a price-to-earnings-growth ratio of 2.63 and a beta of 3.56. Affirm has a 12 month low of $30.90 and a 12 month high of $100.00. The company has a quick ratio of 12.80, a current ratio of 12.80 and a debt-to-equity ratio of 2.40. The company’s 50-day moving average price is $71.53 and its two-hundred day moving average price is $74.17.

Affirm (NASDAQ:AFRM) last posted its quarterly earnings data on Thursday, February 5th. The company reported $0.37 earnings per share for the quarter, topping the consensus estimate of $0.28 by $0.09. Affirm had a net margin of 7.60% and a return on equity of 9.16%. The company had revenue of $1.12 billion during the quarter, compared to analyst estimates of $1.06 billion. During the same quarter last year, the business posted $0.23 earnings per share. The company’s revenue was up 29.6% on a year-over-year basis. On average, equities analysts anticipate that Affirm will post -0.18 EPS for the current fiscal year.

Insider Buying and Selling

In related news, CEO Max R. Levchin sold 666,666 shares of the business’s stock in a transaction that occurred on Monday, January 5th. The shares were sold at an average price of $80.62, for a total value of $53,746,612.92. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, CFO Robert O’hare sold 36,401 shares of the company’s stock in a transaction on Monday, January 5th. The stock was sold at an average price of $80.00, for a total value of $2,912,080.00. Following the transaction, the chief financial officer directly owned 1,368 shares in the company, valued at approximately $109,440. This represents a 96.38% decrease in their position. The SEC filing for this sale provides additional information. In the last three months, insiders sold 711,256 shares of company stock valued at $57,231,923. 11.01% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On Affirm

Several hedge funds have recently added to or reduced their stakes in AFRM. Royal Bank of Canada lifted its position in Affirm by 2.1% during the 1st quarter. Royal Bank of Canada now owns 193,601 shares of the company’s stock valued at $8,748,000 after purchasing an additional 3,892 shares during the period. Empowered Funds LLC raised its stake in shares of Affirm by 90.7% during the first quarter. Empowered Funds LLC now owns 16,852 shares of the company’s stock worth $762,000 after buying an additional 8,014 shares during the last quarter. Focus Partners Wealth bought a new stake in shares of Affirm during the first quarter worth approximately $243,000. Prime Capital Investment Advisors LLC acquired a new position in Affirm in the second quarter valued at approximately $224,000. Finally, KLP Kapitalforvaltning AS boosted its stake in Affirm by 5.1% in the second quarter. KLP Kapitalforvaltning AS now owns 51,600 shares of the company’s stock valued at $3,568,000 after acquiring an additional 2,500 shares during the last quarter. Institutional investors own 69.29% of the company’s stock.

More Affirm News

Here are the key news stories impacting Affirm this week:

• Positive Sentiment: Q2 results beat consensus — Affirm reported an EPS beat and revenue growth with GMV up ~36% year-over-year, underscoring healthy transaction and merchant momentum. Affirm Q2 earnings beat (MarketBeat)
• Positive Sentiment: Customer and merchant metrics improving — active consumers and transactions per user rose, supporting repeat-use traction for Affirm’s BNPL offerings. Affirm BNPL volumes jump (PYMNTS)
• Positive Sentiment: New partnership expands reach — Affirm signed a deal with Virgin Media O2 to offer device financing in the U.K., which should broaden merchant distribution and product adoption. Affirm and Virgin Media O2 partnership (BusinessWire)
• Positive Sentiment: Some analyst support remains — Morgan Stanley recently upgraded the stock to Overweight, reflecting buy‑side interest despite mixed signals. Morgan Stanley upgrade (AmericanBankingNews)
• Neutral Sentiment: Guidance roughly in line — Affirm updated fiscal revenue targets that were generally in line with expectations, leaving less new directional information for investors. Q2 results and investor presentation (Affirm IR)
• Neutral Sentiment: Short-interest data shows no meaningful change — the reported short interest figures are effectively unchanged and do not appear to be driving today’s move.
• Negative Sentiment: Credit metrics deteriorated — Affirm increased loan-loss provisions and noted higher installment loan delinquency rates, which raised concerns about credit quality and pressured the stock. Earnings beat highlights growth and credit concerns (MarketBeat)
• Negative Sentiment: Analysts trimmed price targets — several firms (JPMorgan, Stephens, RBC) lowered targets this morning, signaling more cautious near‑term expectations and adding selling pressure. Analyst price-target changes (Benzinga / MarketScreener)

About Affirm

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.