Affirm (NASDAQ:AFRM) Given New $80.00 Price Target at JPMorgan Chase & Co.

Key Points

• JPMorgan Chase raised its price target on Affirm to $80 and kept an overweight rating, implying about a 22.5% upside; the Street consensus is a "Moderate Buy" with an average target near $85.28.
• Affirm beat EPS estimates ($0.30 vs. $0.17) and posted 32.7% year‑over‑year revenue growth, but revenue missed expectations (~$944M reported vs. ~$995M expected) while management raised near‑term revenue guidance.
• Shares slid roughly 3.1% to $65.30 after the release; the stock carries a high P/E (~80.7), notable leverage (debt/equity ~2.58) and elevated volatility (beta ~3.72), which can amplify moves on mixed results.

Affirm (NASDAQ:AFRM - Get Free Report) had its price target hoisted by equities research analysts at JPMorgan Chase & Co. from $79.00 to $80.00 in a report issued on Friday,Benzinga reports. The firm currently has an "overweight" rating on the stock. JPMorgan Chase & Co.'s price objective would indicate a potential upside of 22.52% from the company's current price.

Several other equities analysts have also recently weighed in on AFRM. Susquehanna reissued a "positive" rating and issued a $100.00 target price on shares of Affirm in a research note on Friday, February 6th. The Goldman Sachs Group cut shares of Affirm from a "buy" rating to a "hold" rating in a research note on Tuesday, February 24th. TD Cowen reissued a "buy" rating on shares of Affirm in a research note on Friday, February 6th. Royal Bank Of Canada raised their price target on Affirm from $77.00 to $80.00 and gave the company a "sector perform" rating in a report on Friday. Finally, Mizuho cut their price target on Affirm from $114.00 to $95.00 and set an "outperform" rating for the company in a report on Monday, February 9th. One research analyst has rated the stock with a Strong Buy rating, nineteen have given a Buy rating and nine have given a Hold rating to the stock. According to MarketBeat.com, Affirm has a consensus rating of "Moderate Buy" and an average price target of $85.28.

Affirm Trading Down 3.1%

Shares of NASDAQ:AFRM traded down $2.06 during mid-day trading on Friday, reaching $65.30. The stock had a trading volume of 6,108,447 shares, compared to its average volume of 6,100,948. The firm has a 50 day simple moving average of $52.66 and a two-hundred day simple moving average of $63.16. Affirm has a twelve month low of $42.10 and a twelve month high of $100.00. The company has a current ratio of 11.41, a quick ratio of 11.41 and a debt-to-equity ratio of 2.58. The firm has a market cap of $21.75 billion, a PE ratio of 80.70, a price-to-earnings-growth ratio of 4.58 and a beta of 3.72.

Affirm (NASDAQ:AFRM - Get Free Report) last posted its earnings results on Thursday, May 7th. The company reported $0.30 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.17 by $0.13. The business had revenue of $943.95 million during the quarter, compared to analysts' expectations of $995.27 million. Affirm had a return on equity of 8.83% and a net margin of 7.60%.Affirm's revenue for the quarter was up 32.7% compared to the same quarter last year. During the same period in the prior year, the business earned $0.01 EPS. On average, research analysts predict that Affirm will post 1.08 EPS for the current fiscal year.

Insider Buying and Selling at Affirm

In other news, Director Noel Bertram Watson sold 2,000 shares of the company's stock in a transaction that occurred on Tuesday, April 14th. The stock was sold at an average price of $55.00, for a total transaction of $110,000.00. Following the transaction, the director directly owned 38,076 shares of the company's stock, valued at $2,094,180. This represents a 4.99% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 11.01% of the stock is owned by insiders.

Institutional Investors Weigh In On Affirm

Institutional investors have recently bought and sold shares of the stock. Assetmark Inc. grew its holdings in Affirm by 111.3% during the third quarter. Assetmark Inc. now owns 338 shares of the company's stock worth $25,000 after buying an additional 178 shares in the last quarter. Greenline Wealth Management LLC bought a new stake in Affirm during the fourth quarter worth $26,000. Syntegra Private Wealth Group LLC bought a new stake in Affirm during the first quarter worth $28,000. Triumph Capital Management bought a new stake in Affirm during the third quarter worth $31,000. Finally, CoreCap Advisors LLC grew its holdings in Affirm by 431.3% during the fourth quarter. CoreCap Advisors LLC now owns 441 shares of the company's stock worth $33,000 after buying an additional 358 shares in 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: Needham raised its price target to $90 and kept a "buy" rating, implying meaningful upside from current levels. Needham PT Raise
• Positive Sentiment: Stephens raised its target to $75 and maintained an "equal weight" rating, another analyst upgrade that supports near‑term upside. Stephens PT Raise
• Positive Sentiment: Affirm beat EPS estimates for the quarter ($0.30 vs. $0.17) and reported 32.7% year‑over‑year revenue growth — results investors often reward. Q3 Results
• Positive Sentiment: Management updated Q4 and FY‑2026 revenue guidance (roughly $1.1B for Q4 and $4.2B FY), which is around or modestly above Street revenue expectations — a constructive signal on demand. Guidance Update
• Neutral Sentiment: Analysts and media offered deeper reads on the quarter (key metrics, sector context and comparisons to peers), useful for longer‑term positioning but not immediate catalysts. Yahoo Analysis
• Neutral Sentiment: Industry analysis highlighted Affirm’s role at the intersection of consumer credit and private credit — important context for macro‑sensitive risk assessment. PYMNTS Analysis
• Negative Sentiment: Revenue missed the consensus (~$944M reported vs. ~$995M expected), which likely tempered investor enthusiasm despite the EPS beat. Revenue Miss
• Negative Sentiment: Affirm trades at a rich P/E and carries notable leverage and volatility (high beta), factors that can amplify selling when results don’t clearly exceed expectations. (Company metrics and trading data referenced from recent market reports.)

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.

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