Core Viewpoint - Affirm Holdings Inc. is identified as a high-risk, high-reward growth stock, with a recent target price reduction by Mizuho to $95 from $114, while maintaining an Outperform rating, citing an unjustified selloff and two positive catalysts: a partnership with Intuit and conservative FY2026 guidance [1][2]. Group 1: Partnership with Intuit - On February 2, Affirm announced a multi-year exclusive partnership with Intuit, making Affirm the built-in pay-over-time solution in QuickBooks Payments, which provides access to millions of small and mid-market businesses with over $2 trillion in invoices annually [2]. - The integration of Affirm into QuickBooks Payments is expected to offer businesses a transparent way to provide customers with payment options while ensuring businesses receive payments upfront [2]. Group 2: Financial Performance - Affirm's Q2 FY2026 earnings report revealed a 36% year-over-year growth in gross merchandise volume, reaching $13.8 billion, and a 30% year-over-year revenue growth to $1.1 billion [2][3]. - Active consumers increased by 23% year-over-year to 25.8 million, and transactions per active customer grew by 20% year-over-year to 6.4 times [2]. Group 3: Future Revenue Guidance - For Q3 FY2026, Affirm expects revenue between $0.97 billion and $1.00 billion, indicating a year-over-year growth rate of 23.9% to 27.7% [3]. - For Q4 FY2026, the revenue guidance is set between $1.06 billion and $1.09 billion, suggesting a year-over-year growth rate of 21.0% to 24.4% [3]. Group 4: Company Overview - Affirm Holdings, Inc. operates a payment network across Canada, the United States, and internationally, offering a consumer-focused app, point-of-sale payment solutions, and merchant commerce solutions [4].

“Will the US Fed cut rates?” seems to be the question everyone is asking after the release of the January US jobs report on February 11, which showed a stronger-than-expected labor market. While an improving labor market would normally be a hawkish signal, several economists still believe rate cuts remain in play for the latter half of the year.One of those economists is Bloomberg Economics’ Anna Wong, who had this to say about the release:The January payrolls report lessens the urgency for the Fed to cut r ...

Core Insights - Buy Now, Pay Later (BNPL) services like Affirm and Klarna are increasingly popular among consumers, particularly younger demographics, allowing them to make purchases in smaller, often interest-free payments [3][10] - Analysts are divided on the investment potential of Affirm versus Klarna, with some viewing Affirm as a stronger buy due to its lower fees and established profitability [14][18] Industry Overview - The BNPL market is growing as consumers seek flexible payment options, with services allowing payments to be split into smaller amounts without interest, appealing to a wide range of consumers [6][9] - The Federal Reserve indicates that credit card debt in the U.S. has reached $1.28 trillion, highlighting a shift towards alternative payment methods like BNPL [5] Consumer Behavior - Approximately 19% of individuals aged 18 to 29 and 30 to 44 have utilized BNPL services, with late payment rates being notably higher among younger users [10][11] - The financial stability of consumers using BNPL is questioned, as a significant percentage of users report making late payments, indicating potential budgeting risks [11][13] Company Performance - Affirm's CEO reported that a majority of their users are financially stable, with 72% of stable users and 89% of fragile users making multiple BNPL purchases in a year [13] - Affirm is currently priced at $54.26, down 27% year-to-date, while Klarna is trading at $18.34, having experienced a 36% decline year-to-date [17][20] Investment Analysis - Analysts have mixed views on Affirm and Klarna, with some recommending Affirm as a buy due to its profitability and lower fees, while others express caution regarding Klarna's lack of profitability and potential risks [14][19] - Merc Research has a contrarian view on Affirm, suggesting a strong sell position due to anticipated challenges in the UK market and competition in the checkout space [16] Market Dynamics - Both Affirm and Klarna have established relationships with retailers, with Klarna offering cash back for certain merchants, while Affirm has discontinued its cash back rewards program [21]

Affirm Holdings, Inc. ( AFRM ) has seen great volatility as of late. This is despite the company posting strong results, with the most important being sustained and increasing GAAP profitability. The company’s incremental operating margins are impressive and bolster my view of theJulian Lin is a financial analyst. He finds undervalued companies with secular growth that appreciate over time. His approach is to look for companies with strong balance sheets and management teams in sectors with long growth runw ...

Affirm Holdings, Inc. (NASDAQ:AFRM) is among the 12 Best Digital Currency and Payments Stocks to Buy Right Now. RBC Capital Maintains a Sector Perform Rating on Affirm Holdings, Inc. (AFRM) Daniel Perlin, an analyst at RBC Capital, reduced Affirm Holdings, Inc. (NASDAQ:AFRM)’s price objective from $87 to $77 and kept his Sector Perform rating, as reported by TheFly, February 06, 2026. As stated by the firm, the company targeted 0% APR offers, which boost merchant gross merchandise value while preserving ...

We recently published 9 Stocks Jim Cramer Talked About. Affirm Holdings, Inc. (NASDAQ:AFRM) is one of the stocks that Jim Cramer talked about. Affirm Holdings, Inc. (NASDAQ:AFRM) is an American financial services company known for its buy now, pay later services. The shares are down by 23.5% over the past year and by 19.4% year-to-date. Stephens cut the firm’s share price target to $65 from $75 and kept an Equal Weight rating on the shares in early February. The financial firm pointed out that Affirm Hold ...

Core Insights - The rise of rent now, pay later services indicates the increasing unmanageability of housing costs for many Americans [4][9] - Affirm has launched a pilot program allowing renters to split their payments into two installments, partnering with Esusu for credit score reporting [2][5] - Monthly service fees and potential finance charges can make these services more expensive than traditional payment methods [6][9] Company-Specific Insights - Affirm's new service does not charge interest but involves monthly fees, accessible only through Esusu's Plus and Premium services [3][5] - Other companies like Zip and Livble offer similar services, with Zip advertising an annual interest rate of 31.11% and Livble charging monthly finance charges of $30 to $40 [6][7] - Flex provides a rent-splitting option that may require landlord participation, with a monthly fee of $14.99 and additional charges [7] Industry Trends - The growth of rent now, pay later services reflects broader economic challenges, as turning rent into installment debt can increase household debt and reduce overall consumer spending [4] - Many of these services are reported to be more costly than using credit cards for rent payments, highlighting the financial strain on renters [6][9]

Group 1 - Affirm Holdings, Inc. (NASDAQ:AFRM) is recognized as one of the top 10 financial stocks for long-term investment, particularly following a partnership with Intuit to integrate buy now, pay later (BNPL) options into QuickBooks [1] - The partnership aims to enhance small businesses' payment solutions, potentially increasing conversions and improving cash flows [1] - Kyle Peterson of Needham upgraded Affirm from Hold to Buy, setting a price target of $100, indicating a potential upside of 69.5% from current levels, which is higher than the median Wall Street estimate of 55.38% [2] Group 2 - Affirm operates a payment network across Canada, the United States, and internationally, offering a consumer-focused app and point-of-sale payment solutions [3] - The company was incorporated in 2012 and is headquartered in San Francisco, California [3] - The potential acquisition of a limited bank charter could significantly impact Affirm by providing access to deposit funding for loans and reducing third-party risks [2]

Affirm (AFRM) CEO Max Levchin isn't buying the recession talk. "I think the news of the American demise are greatly exaggerated, if we're honest here," Levchin told Yahoo Finance following the company's fiscal 2026 second quarter earnings release. He pointed to "tremendous" shopping and demand for the company's services, such as buy now, pay later (BNPL), as evidence that the US consumer remains resilient. Levchin, co-founder of PayPal (PYPL), anchored this optimism in Affirm's internal data, citing " ...

Key Takeaways AFRM delivered Q2 EPS of 37 cents, beating estimates as net revenues surged 30% year over year.Affirm saw GMV climb 36% to $13.8 billion, driven by POS integrations, wallet partnerships and DTC offerings.AFRM's adjusted operating margin expanded 300 bps to 30% on higher network revenues and servicing income.Affirm Holdings, Inc. (AFRM) posted second-quarter fiscal 2026 earnings of 37 cents per share, which beat the Zacks Consensus Estimate by 32.1%. The metric rose 60.9% year over year.Net rev ...