Mixed Analyst Views on Affirm Holdings (AFRM)

Core Viewpoint - Affirm Holdings, Inc. (NASDAQ:AFRM) is recognized as one of the most promising fintech stocks, with analysts providing mixed but generally positive ratings and price targets, indicating potential for growth in the buy now, pay later (BNPL) market. Group 1: Analyst Ratings and Price Targets - Susquehanna reaffirmed a Buy rating on Affirm Holdings with a price target of $105 [1] - Wolfe Research initiated coverage with a Peerperform rating and a year-end 2026 fair value range of $72-$82, expecting fiscal year 2026 revenue less transaction costs (RLTC) to reach $1.95 billion, slightly above the Street consensus of $1.92 billion [2] - Freedom Capital Markets assigned a Buy rating with a $90 price target, viewing Affirm as a leading provider of BNPL options in the US [3] Group 2: Company Performance and Growth Initiatives - Affirm has made significant progress in profitability and growth through initiatives like 0% APR installment loans, the Affirm Card, and international expansion [3] - The company has experienced strong US market share growth, achieving GAAP profitability in the last three quarters, and is viewed as a "+mid-20s grower" with high-20s adjusted operating income margins [4] - Affirm's platform includes point-of-sale payment options, a consumer app, the Affirm Card, and merchant services, positioning it well in the fintech landscape [5]