Affirm (AFRM) stock is in a crowded fintech sector that can make it hard to stand out. The stock suffered a 7.3% haircut on Thursday and fell 3.6% Friday, but before that late-week drawdown, flashed a bullish signal on the charts.
Klarna is expected to post solid short-term performance as consumers increasingly turn to Buy Now Pay Later programs amid economic stress. Both KLAR and Affirm show strong user and merchant growth, but rising delinquencies and deteriorating savings rates pose significant medium- and long-term risks. KLAR and AFRM receive hold ratings due to potential short-term upside, but caution is warranted given mounting headwinds in consumer credit and the labor market.
Affirm is an even better Buy after the recent correction nearer to my Buy Zones, thanks to the expanding AMZN/BigTech/PSP partnerships. This is aided by the immense TAM across the US personal loan market size at $356B and the US small business loan market "at over $1.4 trillion." Combined with the intensified 0% APRs/0% Days efforts, AFRM has consistently reported robust user acquisition trends, growing merchant partnerships, and improved operating leverage.
AFRM shares jump 15% as Q1 earnings top estimates, driven by surging GMV, active merchants and repeat transactions.
Zacks.com users have recently been watching Affirm Holdings (AFRM) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Affirm features strong growth, improving profitability, and leadership in the buy now, pay later sector. AFRM posted 42% YoY GMV growth and 34% revenue growth, with GAAP operating margins exceeding expectations and expanding rapidly. Management raised full-year guidance for GMV and margins, highlighting continued market share gains and the fruits of successful product innovation like the Affirm card.
Buy now, pay later companies like Affirm are aiming to compete more closely with credit-card companies.
Affirm Holdings Inc (NASDAQ:AFRM) stock is surging today, up 11.2% at $73.31 at last glance, after the fintech company posted better-than-expected fiscal first-quarter earnings of 23 cents per share on revenue of $933.3 million.
Affirm opened fiscal 2026 with a first quarter marked by record volumes, profitable growth and an extended partnership with Amazon, which has now been given an additional five years (to January 2031). Gross merchandise volume rose 42% to $10.
Although the revenue and EPS for Affirm Holdings (AFRM) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Affirm Holdings (AFRM) came out with quarterly earnings of $0.23 per share, beating the Zacks Consensus Estimate of $0.11 per share. This compares to a loss of $0.31 per share a year ago.
The Buy Now, Pay Later (BNPL) industry is at a pivotal moment as its largest U.S. pure-play, Affirm (AFRM), prepares to report fiscal first-quarter 2026 earnings today after the market close. Many investors are wondering whether this is the right time to buy or sell.