Affirm(US:AFRM) The Motley Fool·2025-12-17 00:16Core Viewpoint - Affirm Holdings experienced a nearly 12% increase in stock price following positive comments from CFO Rob O'Hare and an analyst price target upgrade [1][4]. Group 1: Company Performance - CFO Rob O'Hare provided a bullish overview of Affirm's performance heading into the holiday season, indicating favorable quarter-to-date trends and stable customer delinquency rates [4]. - Affirm is expected to meet the consensus analyst estimate of 31% year-over-year growth in gross merchandise value (GMV) for the current quarter [8]. Group 2: Analyst Insights - Analyst Adam Frisch from Evercore ISI reiterated an outperform recommendation for Affirm, setting a price target of $95 per share [4]. - Frisch believes that Affirm's stock was unfairly penalized due to inaccurate third-party data indicating a decline in volumes, which O'Hare disputed as having serious tracking errors [7]. Group 3: Market Sentiment - There are concerns among market players that Affirm's core customer base, which consists of relatively less affluent clients, may reduce spending; however, there is a belief that BNPL is becoming a preferred purchasing tool for these individuals, suggesting resilience in Affirm's business [9].