| Ticker | Status | Jurisdiction | Filing Date | CP Start | CP End | CP Loss | Deadline |
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| Ticker | Case Name | Status | CP Start | CP End | Deadline | Settlement Amt |
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| Ticker | Name | Date | Analyst Firm | Up/Down | Target ($) | Rating Change | Rating Current |
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Analysts' ratings for Affirm Holdings (NASDAQ:AFRM) over the last quarter vary from bullish to bearish, as provided by 20 analysts.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 6 | 9 | 5 | 0 | 0 |
| Last 30D | 1 | 0 | 0 | 0 | 0 |
| 1M Ago | 2 | 6 | 4 | 0 | 0 |
| 2M Ago | 3 | 2 | 0 | 0 | 0 |
| 3M Ago | 0 | 1 | 1 | 0 | 0 |
Analysts have recently evaluated Affirm Holdings and provided 12-month price targets. The average target is $87.05, accompanied by a high estimate of $108.00 and a low estimate of $70.00. This upward trend is apparent, with the current average reflecting a 22.5% increase from the previous average price target of $71.06.
In examining recent analyst actions, we gain insights into how financial experts perceive Affirm Holdings. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Matthew Coad | Truist Securities | Raises | Buy | $95.00 | $72.00 |
| Dan Dolev | Mizuho | Raises | Outperform | $108.00 | $70.00 |
| Reginald Smith | JP Morgan | Raises | Overweight | $94.00 | $91.00 |
| Daniel R. Perlin | RBC Capital | Raises | Sector Perform | $97.00 | $75.00 |
| James Faucette | Morgan Stanley | Raises | Equal-Weight | $90.00 | $70.00 |
| Timothy Chiodo | UBS | Raises | Neutral | $85.00 | $56.00 |
| David M. Scharf | JMP Securities | Raises | Market Outperform | $105.00 | $75.00 |
| Adam Frisch | Evercore ISI Group | Raises | Outperform | $100.00 | $67.00 |
| Jason Kupferberg | B of A Securities | Raises | Buy | $94.00 | $90.00 |
| James Faucette | Morgan Stanley | Raises | Equal-Weight | $70.00 | $60.00 |
| John Hecht | Jefferies | Raises | Buy | $95.00 | $82.00 |
| Reginald Smith | JP Morgan | Raises | Overweight | $91.00 | $84.00 |
| Reginald Smith | JP Morgan | Raises | Overweight | $84.00 | $69.00 |
| James Friedman | Susquehanna | Raises | Positive | $76.00 | $65.00 |
| Matthew Coad | Truist Securities | Raises | Buy | $72.00 | $58.00 |
| Rayna Kumar | Oppenheimer | Announces | Outperform | $80.00 | - |
| Bryan Keane | Deutsche Bank | Announces | Buy | $78.00 | - |
| Matthew Coad | Truist Securities | Raises | Buy | $72.00 | $58.00 |
| Daniel Perlin | RBC Capital | Raises | Sector Perform | $75.00 | $70.00 |
| Ramsey El-Assal | Barclays | Raises | Overweight | $80.00 | $67.00 |
To gain a panoramic view of Affirm Holdings's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
Stay up to date on Affirm Holdings analyst ratings.
Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks and through virtual card networks, among others. Geographically, it generates a majority share of its revenue from the United States, followed by Canada and other regions.
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Positive Revenue Trend: Examining Affirm Holdings's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 32.95% as of 30 June, 2025, showcasing a substantial increase in top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Affirm Holdings's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 7.9%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): Affirm Holdings's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 2.33%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Affirm Holdings's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.64%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Affirm Holdings's debt-to-equity ratio is notably higher than the industry average. With a ratio of 2.56, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in Benzinga Pro.
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