
Affirm (AFRM) Stock Forecast & Price Target
Affirm (AFRM) Analyst Ratings
Bulls say
Affirm Holdings Inc demonstrated robust financial growth, highlighted by a 113% increase in Affirm Card GMV to $845 million in F2Q25, with a notable 70% growth in 0% APR GMV. The company's revenue guidance for FY25 has been raised, projecting GMV between $34.74 billion and $35.34 billion, alongside revenue expectations of $3.13 billion to $3.19 billion, reflecting strong market demand. Additionally, the active cardholder base surged approximately 20% quarter-over-quarter to 1.7 million, underlining the firm's expanding consumer engagement and potential for further revenue growth.
Bears say
Affirm Holdings Inc operates in a highly competitive landscape, which poses risks related to customer retention and the attraction of merchant partners, potentially hampering growth prospects. The company faces challenges from poor loan performance and macroeconomic factors that could lead to higher credit losses and diminished demand from institutional investors, thereby negatively impacting revenue and earnings per share growth. Furthermore, reliance on varied funding sources raises concerns; any unfavorable changes to these agreements or challenges in securing new funding could hinder Affirm's growth and profitability amid rising interest costs and slowed consumer discretionary spending.
This aggregate rating is based on analysts' research of Affirm and is not a guaranteed prediction by Public.com or investment advice.
Affirm (AFRM) Analyst Forecast & Price Prediction
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