Buy, Sell or Hold: Affirm Holdings (AFRM-Q)

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Affirm Holdings (AFRM-Q)

84.75

+2.53 (3.08%)

as of Sep 3, 2025, 7:41:22 pm Market Open.

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This summary was created by AI, based on 2 opinions in the last 12 months.

Affirm Holdings has received attention from analysts for its current position in the market, indicating a 'fresh buy' signal that holds potential for investors, especially if it sustains its momentum. Though there is a cautionary note that this signal could vanish with any market weakness, the long-term outlook for the company remains optimistic. Given the significant swings in its stock price, even a drop back to the $37 level might still represent a good opportunity for investment. Furthermore, the prospect of falling interest rates is anticipated to benefit Affirm, as it will widen the spreads, bolstering financial performance. However, there are concerns regarding potential volatility as economic fluctuations could lead to an increase in delinquencies, which could pose a risk to the company's stability in a softened economy.

Consensus

Bullish

Valuation

Fair Value

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BUY

Trevor Rose’s Insights - Trevor’s most-liked answers from 5i Research

EPS of $0.2 beat estimates of $0.12 and sales of $876.42M beat estimates of $834.35M. Sales grew 33% year-over-year, and guidance was above analyst estimates. Management noted strong consumer demand for its buy now, pay later services and increasing adoption of 0% APR offerings by merchants helped to lift results. Its merchant network grew 24%, and overall management expects continued momentum. We think this was a really strong quarter, and while it trades at a high valuation of 42X forward earnings, we think its momentum can continue here.
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BUY ON WEAKNESS

The froth has come off during this sell off and now it's time to buy.

BUY ON WEAKNESS

Fresh buy signal today that could go away tomorrow (if there's a bit of weakness), but it's trying to catch hold. Longer term looks really good. Looking at the big swings of volatility, could come back to the $37 range and it would still be good long term.

DON'T BUY

Falling rates will help this company since the spread will widen. Volatile since if the economy softens, delinquencies could be a problem.

DON'T BUY

When to buy puts?

It has a giant short position, and every time the stock goes down, the street pulls it up. The actual quarter in mid-February will probably be good. It's a sucker's game to short this.

BUY

They've turned the corner. Their quarter was remarkable.

DON'T BUY

Buy now, pay later stocks: Affirm, Upstart, Block and Paypal Upstart is down 92% from its high, Affirm 89%, Block 78% and PayPal 76%. Some of this is due to these stocks being massively massively overpriced to begin with. At peak, Affirm was trading at 30x sales (not earnings), and it won't be profitable before 2026. Block and PayPal are profitable, but were trading at sky-high multiples last year (170x PE and 65x respectively). The market hates the buy-now, pay-later stocks because they don't make money (though are well-run). He liked Upstart early on; it wasn't a buy-not,pay-later story, but helped facilitate loans using technology. But Upstart took on far more credit risk than assumed, which upset him. The business models of these stocks were far better when interest rates were low. Also, more competitors have rushed in now. The lesson: don't be caught up in euphoria. Earnings, valuations and interest rates matter.

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TOP PICK

Recently became the sole buy-now, pay-later provider on Amazon. Jim Cramer has given several BUY signals over the last few months. Social media mentions are up 31% for the past 24 hours.

BUY

The top 5 junior, next-generation growth/tech stocks: #5 Affirm: The young distrust credit cards, but embrace this fintech. The CEO vows no hidden features and total transparency.

BUY

It's been a rocket since it won the contract to be the sole operator of buy-now, pay-later for Amazon. The CEO believes the credit card companies will be roadkill. AFRM won't offer hidden charges and extort consumers with high interest rates who can't pay their bills in time, says the CEO. AFRM withstand the pandemic downturn last year. This company has a mission. It's winning big business.

BUY ON WEAKNESS

This fintech stock surged from the mid-50s in July to $148 today, but last Wednesday was hammered by hot inflation numbers and a weak quarter by peer Upstart. Shares rebounded mostly the following day after reporting a generally strong quarter. At $24 below its high, this could be trading now at a discount.

SELL

If he owned it, he'd sell it. It's tripled since May. There's competition in the space, flooding in now. And investors have priced in a lot of growth. Sell a third. DO NOT buy it. If you're aggressive, then dump it.

DON'T BUY

Buy now, pay later trend. Likes the space, as the business model is very strong. He owns SQ instead, which bought Afterpay in Australia.

BUY

They're bringing back layaway. He knew this would be huge when it partnered with Amazon over the summer which catapulted the stock. They're also working on their own debit card. It made a new high today so wait for a pullback.

BUY ON WEAKNESS

This fintech is the king of buy now, pay later. Three weeks ago, they announced a big partnership with Amazon and a good quarter. Share doubled. Last week, Walmart partnered with AFRM to replace its layaway system. But stocks are crushing growth names these names, including this. This is a high-quality stock that rarely pulls back. Last night, they announced new features and products and bullish guidance.

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Affirm Holdings(AFRM-Q) Rating

Ranking : 3 out of 5

Bullish - Buy Signals / Votes : 3

Neutral - Hold Signals / Votes : 0

Bearish - Sell Signals / Votes : 1

Total Signals / Votes : 4

Stockchase rating for Affirm Holdings is calculated according to the stock experts' signals. A high score means experts mostly recommend to buy the stock while a low score means experts mostly recommend to sell the stock.

Affirm Holdings(AFRM-Q) Frequently Asked Questions

What is Affirm Holdings stock symbol?

Affirm Holdings is a American stock, trading under the symbol AFRM-Q on the NASDAQ (AFRM). It is usually referred to as NASDAQ:AFRM or AFRM-Q

Is Affirm Holdings a buy or a sell?

In the last year, 4 stock analysts published opinions about AFRM-Q. 3 analysts recommended to BUY the stock. 1 analyst recommended to SELL the stock. The latest stock analyst recommendation is . Read the latest stock experts' ratings for Affirm Holdings.

Is Affirm Holdings a good investment or a top pick?

Affirm Holdings was recommended as a Top Pick by on . Read the latest stock experts ratings for Affirm Holdings.

Why is Affirm Holdings stock dropping?

Earnings reports or recent company news can cause the stock price to drop. Read stock experts’ recommendations for help on deciding if you should buy, sell or hold the stock.

Is Affirm Holdings worth watching?

4 stock analysts on Stockchase covered Affirm Holdings In the last year. It is a trending stock that is worth watching.

What is Affirm Holdings stock price?

On 2025-09-03, Affirm Holdings (AFRM-Q) stock closed at a price of $84.75.

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Affirm Holdings(AFRM-Q) Rating

Affirm Holdings(AFRM-Q) Frequently Asked Questions

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Is Affirm Holdings a good investment or a top pick?

Why is Affirm Holdings stock dropping?

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