Affirm Stock Just Scored an Upgrade. Here's What to Know.

Affirm Holdings (AFRM) saw its price target raised by Goldman Sachs to $115 from $106, citing strong Q4 results with revenue up 33% to $1.2B and operating income up $89M. The company's growth is driven by increased interest-bearing loans and the Affirm Card, with active cardholders doubling. However, risks include credit quality and competition in the BNPL space. Hedge fund holdings declined, and short interest is modest.

Affirm (AFRM) stock rose 5.5% premarket after launching an AI model for instant loan approvals, improving transaction completion rates by 3.4%. The system uses 14 years of proprietary data. Chief Accounting Officer Siphelele Jiyane sold $1.95M in shares. Analysts have a 'Moderate Buy' rating with a $98.78 price target, above the current $71.58. Q2 earnings beat estimates with $4.62 EPS and $1.07B revenue.

Affirm Holdings Inc (AFRM) shares rose 5.5% premarket after launching an AI model for real-time loan approvals. The model, live in the U.S., uses machine learning to analyze credit history, approving more loans with better performance. According to the company, it increased completed purchases by 3.4% compared to a control group. The technology aims to responsibly expand credit access without compromising repayment rates.

Compass Point upgraded Coinbase (COIN) to Neutral with a $177 price target, up from $130. Other upgrades include 4D Molecular Therapeutics (FDMT), Affirm (AFRM), Chime Financial (CHYM), and Bullish (BLSH) by their respective analysts. COIN closed at $175.26 on Friday.

Wolfe Research upgraded Affirm Holdings (AFRM) to outperform with a $90 price target, citing strong fundamentals and growth opportunities. AFRM shares have fallen 8% since Aug. 27, underperforming competitors and the S&P 500. Analyst Darrin Peller highlights Affirm's share gains, card momentum, and international expansion potential.

Goldman Sachs and other firms raised their price targets for Affirm (AFRM), with a mean target of $99.48 and a high of $124. The company reported strong Q4 results, with interest income up 30% YOY and net income reaching $1.6 billion. Growth was driven by the Affirm Card, which saw active cardholders double and GMV surge 124%. The company also has significant growth potential in expanding its merchant network and new markets.