Affirm Holdings, Inc. (NASDAQ:AFRM) Stock Rated "Moderate Buy" by Wall Street Analysts

Key Points

• Wall Street’s consensus rating on Affirm is “Moderate Buy”: Of 33 analysts, 25 rate the stock Buy, seven Hold and one Strong Buy; the average 12-month price target is $96.81.
• Affirm beat quarterly earnings estimates, reporting adjusted EPS of $0.47, while revenue grew 35.2% year over year. The company is targeting growth above 30% in fiscal 2027, supported by card expansion and AI-driven underwriting.
• Credit quality remains a key concern: Higher credit-loss provisions and late payments have raised questions about loan performance, even as analysts see potential upside. Insiders also sold about 280,000 shares worth $22.2 million over the past 90 days.

Shares of Affirm Holdings, Inc. (NASDAQ:AFRM - Get Free Report) have earned a consensus recommendation of "Moderate Buy" from the thirty-three research firms that are currently covering the firm, Marketbeat.com reports. Seven analysts have rated the stock with a hold rating, twenty-five have issued a buy rating and one has given a strong buy rating to the company. The average 12 month target price among brokers that have issued ratings on the stock in the last year is $96.81.

Several equities analysts have weighed in on AFRM shares. JPMorgan Chase & Co. lifted their price objective on Affirm from $90.00 to $105.00 and gave the company an "overweight" rating in a report on Friday, August 28th. Dbs Bank upgraded Affirm to a "moderate buy" rating in a research note on Wednesday, September 30th. Sanford C. Bernstein upped their price target on shares of Affirm from $100.00 to $110.00 and gave the stock an "outperform" rating in a report on Monday, August 31st. Cantor Fitzgerald increased their target price on Affirm from $88.00 to $97.00 and gave the company an "overweight" rating in a research report on Monday, August 31st. Finally, Needham & Company LLC restated a "buy" rating on shares of Affirm in a report on Friday.

Insider Buying and Selling

In other Affirm news, COO Michael Linford sold 79,219 shares of the company's stock in a transaction dated Friday, August 28th. The stock was sold at an average price of $90.01, for a total value of $7,130,502.19. Following the sale, the chief operating officer owned 120,713 shares in the company, valued at approximately $10,865,377.13. The trade was a 39.62% decrease in their position. The transaction was disclosed in a filing with the SEC, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Katherine Adkins sold 41,664 shares of the company's stock in a transaction on Thursday, September 3rd. The shares were sold at an average price of $75.53, for a total transaction of $3,146,881.92. Following the sale, the insider directly owned 152,439 shares in the company, valued at $11,513,717.67. This trade represents a 21.46% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold a total of 280,118 shares of company stock valued at $22,223,307 over the last 90 days. 11.01% of the stock is owned by corporate insiders.

Institutional Trading of Affirm

Institutional investors have recently made changes to their positions in the company. Aberdeen Group plc grew its position in shares of Affirm by 276.5% during the 3rd quarter. Aberdeen Group plc now owns 9,457 shares of the company's stock valued at $655,000 after purchasing an additional 6,945 shares in the last quarter. Allworth Financial LP raised its holdings in Affirm by 5.8% during the 3rd quarter. Allworth Financial LP now owns 3,153 shares of the company's stock valued at $218,000 after buying an additional 173 shares during the last quarter. Maryland State Retirement & Pension System lifted its holdings in Affirm by 8.2% in the 3rd quarter. Maryland State Retirement & Pension System now owns 17,035 shares of the company's stock worth $1,179,000 after buying an additional 1,298 shares during the period. Machina Capital S.A.S. bought a new stake in shares of Affirm during the 3rd quarter valued at about $208,000. Finally, Lido Advisors LLC boosted its position in shares of Affirm by 52.2% during the third quarter. Lido Advisors LLC now owns 7,800 shares of the company's stock valued at $540,000 after purchasing an additional 2,675 shares in the last quarter. Institutional investors own 69.29% of the company's stock.

Affirm Stock Performance

AFRM opened at $68.11 on Monday. The company has a debt-to-equity ratio of 1.82, a current ratio of 11.80 and a quick ratio of 11.80. The business has a fifty day simple moving average of $72.54 and a 200 day simple moving average of $66.56. Affirm has a 1 year low of $42.10 and a 1 year high of $90.44. The company has a market capitalization of $22.98 billion, a PE ratio of 11.82, a price-to-earnings-growth ratio of 2.77 and a beta of 3.74.

Affirm (NASDAQ:AFRM - Get Free Report) last released its quarterly earnings results on Thursday, November 5th. The company reported $0.47 EPS for the quarter, topping analysts' consensus estimates of $0.38 by $0.09. The business had revenue of $1.15 billion for the quarter, compared to analyst estimates of $1.21 billion. Affirm had a net margin of 43.86% and a return on equity of 47.13%. Affirm's revenue for the quarter was up 35.2% compared to the same quarter last year. During the same period last year, the firm earned $0.23 earnings per share. Research analysts expect that Affirm will post 1.89 EPS for the current year.

Key Stories Impacting Affirm

Here are the key news stories impacting Affirm this week:

• Positive Sentiment: Affirm reported fiscal Q1 2027 adjusted earnings of $0.47 per share, ahead of estimates, while revenue reached $1.26 billion and gross merchandise volume grew 34%. Cardholders more than doubled, signaling continued platform expansion. Affirm Q1 Earnings Beat Estimates on Strong GMV and Card Growth
• Positive Sentiment: Management is targeting fiscal 2027 growth above 30%, citing AI-driven underwriting, card expansion and new financing opportunities. Its Q2 revenue guidance of $1.4 billion–$1.5 billion is broadly in line with consensus. Affirm Q1 Earnings Call Highlights 30% Growth Goal and Credit Risks
• Neutral Sentiment: Some analysts argue credit worries may be overblown and see further upside, though their optimism comes alongside close scrutiny of loan performance. Late Payments Overshadow Affirm's Earnings Beat. Wall Street Sees More Run to Run.
• Negative Sentiment: Higher credit-loss provisions and late-payment concerns are the main headwinds, raising questions about whether rapid growth could come at the cost of worsening credit quality. Affirm Q1 Earnings Beat Estimates on Strong GMV and Card Growth
• Negative Sentiment: Several firms lowered price targets after results, including Stephens, Barclays and Piper Sandler. Barclays and Piper Sandler kept overweight ratings, while Stephens retained an equal-weight rating, suggesting target cuts but not a broad shift to bearish recommendations.

About Affirm

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