Ratings for Affirm Holdings AFRM were provided by 12 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.
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 | 3 | 8 | 1 | 0 | 0 |
| Last 30D | 0 | 0 | 0 | 0 | 0 |
| 1M Ago | 1 | 1 | 1 | 0 | 0 |
| 2M Ago | 2 | 4 | 0 | 0 | 0 |
| 3M Ago | 0 | 3 | 0 | 0 | 0 |
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $69.75, with a high estimate of $82.00 and a low estimate of $55.00. Witnessing a positive shift, the current average has risen by 21.3% from the previous average price target of $57.50.
Decoding Analyst Ratings: A Detailed Look
A comprehensive examination of how financial experts perceive Affirm Holdings is derived from recent analyst actions. The following is a detailed summary of 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 | 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 |
| Andrew Bauch | Wells Fargo | Raises | Overweight | $55.00 | $52.00 |
| Reginald Smith | JP Morgan | Raises | Overweight | $56.00 | $47.00 |
| James Friedman | Susquehanna | Raises | Positive | $57.00 | $52.00 |
Key Insights:
- Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Affirm Holdings. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Affirm Holdings compared to the broader market.
- Price Targets: Understanding forecasts, analysts offer estimates for Affirm Holdings's future value. Examining the current and prior targets provides insight into analysts' changing expectations.
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Affirm Holdings's market standing. Stay informed and make data-driven decisions with our Ratings Table.
Stay up to date on Affirm Holdings analyst ratings.
About 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.
Affirm Holdings's Economic Impact: An Analysis
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Positive Revenue Trend: Examining Affirm Holdings's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 40.67% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company stands out 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 is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of -3.6%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Affirm Holdings's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of -1.02%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.51, caution is advised due to increased financial risk.
Analyst Ratings: What Are They?
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
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.
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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.
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