Analysts' ratings for Affirm Holdings AFRM over the last quarter vary from bullish to bearish, as provided by 15 analysts.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 3 | 8 | 4 | 0 | 0 |
| Last 30D | 0 | 2 | 1 | 0 | 0 |
| 1M Ago | 0 | 1 | 2 | 0 | 0 |
| 2M Ago | 1 | 1 | 1 | 0 | 0 |
| 3M Ago | 2 | 4 | 0 | 0 | 0 |
Insights from analysts' 12-month price targets are revealed, presenting an average target of $72.47, a high estimate of $85.00, and a low estimate of $55.00. This upward trend is evident, with the current average reflecting a 28.33% increase from the previous average price target of $56.47.
Exploring Analyst Ratings: An In-Depth Overview
The standing of Affirm Holdings among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below 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 |
|---|---|---|---|---|---|
| David Scharf | JMP Securities | Raises | Market Outperform | $85.00 | $78.00 |
| Timothy Chiodo | UBS | Raises | Neutral | $62.00 | $46.00 |
| Andrew Bauch | Wells Fargo | Raises | Overweight | $85.00 | $70.00 |
| Giuliano Bologna | Compass Point | Raises | Neutral | $61.00 | $20.00 |
| James Faucette | Morgan Stanley | Raises | Equal-Weight | $55.00 | $39.00 |
| Andrew Bauch | Wells Fargo | Raises | Overweight | $70.00 | $55.00 |
| David Scharf | JMP Securities | Maintains | Market Outperform | $78.00 | $78.00 |
| John Hecht | Jefferies | Raises | Buy | $82.00 | $70.00 |
| Bryan Keane | Deutsche Bank | Raises | Hold | $75.00 | $45.00 |
| Will Nance | Goldman Sachs | Raises | Buy | $78.00 | $57.00 |
| Reginald Smith | JP Morgan | Raises | Overweight | $74.00 | $56.00 |
| Ramsey El-Assal | Barclays | Raises | Overweight | $75.00 | $64.00 |
| Jason Kupferberg | B of A Securities | Raises | Buy | $74.00 | $50.00 |
| Dan Dolev | Mizuho | Raises | Outperform | $69.00 | $65.00 |
| Ramsey El-Assal | Barclays | Raises | Overweight | $64.00 | $54.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Affirm Holdings. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Affirm Holdings compared to the broader market.
- Price Targets: Gaining insights, analysts provide estimates for the future value of Affirm Holdings's stock. This comparison reveals trends in analysts' expectations over time.
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.
Unveiling the Story Behind Affirm Holdings
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.
Breaking Down Affirm Holdings's Financial Performance
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Revenue Growth: Affirm Holdings's remarkable performance in 3 months is evident. As of 30 September, 2024, the company achieved an impressive revenue growth rate of 40.67%. This signifies a substantial increase in the company's 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 lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of -14.35%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Affirm Holdings's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of -3.6%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Affirm Holdings's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of -1.02%, the company may face hurdles in achieving optimal financial returns.
Debt Management: Affirm Holdings's debt-to-equity ratio surpasses industry norms, standing at 2.51. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
Analyst Ratings: What Are They?
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Breaking: Wall Street's Next Big Mover
Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. Click here for urgent details.
This article was generated by Benzinga's automated content engine and reviewed by an editor.
© 2025 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
date | ticker | name | Price Target | Upside/Downside | Recommendation | Firm |
|---|
Trade confidently with insights and alerts from analyst ratings, free reports and breaking news that affects the stocks you care about.
