Nov. 9, 2025 at 11:52 AM ET6 min read

Affirm Holdings’ Strategic Moves Propel Stock Performance​

Tim BohenAvatar
Written by Tim Bohen Reviewed by Ben Sturgill Fact-checked by Ellis Hobbs

Affirm Holdings Inc.’s stocks have been trading up by 12.2 percent amid rising consumer confidence and strategic partnerships.

Key Highlights of Recent Developments

  • The company’s FY26 Q1 results were impressive, with earnings per share hitting 24 cents, swinging from a 31 cent loss last year, and revenues sharply up to $933M, well above expectations.
  • Affirm has expanded its partnership with New York Life, facilitating the purchase of installment loans up to $750M, further strengthening its market position by supporting $1.75B in consumer loan volume annually.
  • Following the strong quarter, Bank of America has raised Affirm’s price target to $98 from $94, maintaining a Buy rating, underscoring confidence in Affirm’s strategic direction and growth potential.
  • Affirm’s FY25 Gross Merchandise Volume (GMV) expectations have been revised upwards to over $47.5 billion, illustrating robust performance and boosting investor confidence.
  • During a positive week for financial stocks, Affirm’s stock observed an 11.18% price increase, reflecting strong growth forecasts and strategic partnerships.

Finance industry expert:

Analyst sentiment – positive

  1. Affirm Holdings Inc. (AFRM) exhibits a robust market position with notable gross margins of 91.8% and an EBITDA margin of 23.8%, indicating strong operational efficiency. Despite a negative pre-tax profit margin of -25.2%, the company shows a return to profitability, reflective in its profit margin of 6.74%. The high P/E ratio of 613.5 suggests market optimism regarding future growth prospects. Affirm’s financial strength is evidenced by a manageable debt-to-equity ratio of 0.88 and a solid current ratio of 4.7, highlighting its ability to meet short-term liabilities. Recent cash flows indicate positive operating and free cash flow trends, underlining sustainable longer-term operations. However, high price-to-sales (7.54) and price-to-cash-flow (81.4) ratios imply the stock may be overvalued relative to its earnings and cash-generating capabilities.

  2. A review of Affirm’s weekly trading data shows a clear bullish trend, with successive higher weekly closes from $70.14 on November 4 to $74.01 on November 7. Technically, the stock has surpassed its previous resistance level around $72.5, now acting as support. The momentum-driven buying is evident from consistent close proximity to weekly highs, coupled with increased trading volumes. Short-term trading strategy involves purchasing at current support around $72.5, targeting resistance near $76, supported by strong upward momentum and positive sentiment. Stop-loss can be considered just below the support level, at approximately $71.

  3. Catalysts such as Affirm’s enhanced capital partnership with New York Life, intended to bolster consumer lending, and its robust Q1 performance—marked by EPS of $0.23 and revenue outperformance at $933 million—position the company for continued growth. These achievements are underscored by a significant forecasted GMV increase and revised financial guidance for Q2. Affirm’s recent upward price target revision to $98 from $94 reflects confidence in its growth trajectory. The stock offers promising prospects relative to the Finance and Diversified Financial Services sectors and exhibits strong momentum. Current support is identified at $72.5 with resistance near $76, with the potential upside should Affirm exceed forecasts. Overall, Affirm’s performance and strategic positioning suggest a distinctly positive outlook.

Candlestick Chart

More Breaking News

Weekly Update Nov 03 – Nov 07, 2025: On Sunday, November 09, 2025 Affirm Holdings Inc. stock [NASDAQ: AFRM] is trending up by 12.2%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Quick Financial Overview

Affirm Holdings Inc. recently reported a robust fiscal Q1, showcasing significant financial growth. The earnings per share (EPS) of $0.23 marked a remarkable recovery from a $0.31 loss in the previous year. Revenue surged to an impressive $933 million, well beyond the $883.36 million anticipated by analysts. This positive performance was bolstered by a record 42% increase in Gross Merchandise Value (GMV) to $10.8 billion and an adjusted operating margin now at an impressive 28%. Operating income turned positive, with a figure of $64 million compared to the previous year’s loss of $133 million.

Furthermore, the funding deal with New York Life represents a crucial strategic move, allowing Affirm to increase consumer lending capabilities significantly. This partnership is expected to open up extensive pathways for consumer loan volumes, projected to support about $1.75 billion annually. The company’s fiscal health is also reflected in its upward guidance for Q2, anticipating revenue between $1.03 billion and $1.06 billion, aligning with market expectations and underlining steady financial strides.

Affirm’s valuation ratios paint a robust picture, with a P/E ratio of 613.5 and a price-to-sales ratio of 7.54, indicating strong future earnings potential. Operationally, the company shows a gross margin of 91.8%, further highlighting its efficient cost management and profitability. The strategic expansion in partnership with New York Life and strong market participation reflects the company’s focus on enhancing its financial ecosystem and broadening its consumer reach.

This is stock news, not investment advice. StocksToTrade News delivers real-time stock market updates tailored to highlight the key catalysts driving short-term price movements. Our coverage is designed for active traders and investors who thrive in fast-moving markets, with a focus on volatile sectors like penny stocks, AI stocks, Robinhood stocks and other momentum plays. From earnings reports and FDA approvals to mergers, new contracts, and unusual trading volume, we break down the events that can spark significant price action.

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