Affirm stock jumped 12% Tuesday as CFO shared upbeat holiday trends and stable delinquency rates, while analyst defended $95 price target. The post Affirm (AFRMAffirm stock jumped 12% Tuesday as CFO shared upbeat holiday trends and stable delinquency rates, while analyst defended $95 price target. The post Affirm (AFRM

Affirm (AFRM) Stock Jumps 12% as CFO Signals Strong Holiday Demand

TLDR

  • Affirm stock jumped nearly 12% on Tuesday after CFO Rob O’Hare provided upbeat commentary during a company fireside chat
  • O’Hare said quarter-to-date trends are favorable heading into the holiday season, with customer delinquency rates remaining stable
  • Evercore ISI analyst Adam Frisch reiterated his outperform rating and $95 price target on the stock
  • The CFO dismissed recent third-party volume data showing weakness, calling it unreliable due to serious tracking errors
  • Analysts expect Affirm to deliver 31% year-over-year growth in gross merchandise value for the current quarter

Affirm Holdings saw its stock price race higher on Tuesday, closing up nearly 12% after positive commentary from company leadership and renewed analyst support.


AFRM Stock Card
Affirm Holdings, Inc., AFRM

The buy-now-pay-later company got a boost from CFO Rob O’Hare, who spoke at a fireside chat hosted by the firm. His remarks painted an optimistic picture of the business heading into the crucial holiday shopping period.

O’Hare told investors that quarter-to-date trends are looking quite favorable for Affirm. The timing matters because the holiday season represents a particularly important period for retail spending and payment services.

The CFO also addressed credit quality concerns, noting that customer delinquency rates were staying level. That’s good news for a company whose business model depends on consumers paying back their loans on time.

The positive management commentary quickly caught the attention of Wall Street. Evercore ISI analyst Adam Frisch responded by reiterating his outperform rating on the stock, which translates to a buy recommendation.

Frisch maintained his $95 price target for Affirm shares. That figure represents substantial upside from current trading levels and signals confidence in the company’s growth trajectory.

Questionable Data Gets Pushback

Part of Tuesday’s rally stemmed from O’Hare’s direct challenge to recent negative data about Affirm. Third-party reports had suggested the company was seeing week-over-week declines in transaction volumes.

The CFO didn’t mince words, stating that the third-party data contained serious tracking errors. He implied the information wasn’t reliable enough to draw meaningful conclusions about Affirm’s actual performance.

Frisch echoed this skepticism in his research note. The analyst argued that Affirm stock had been unfairly punished based on flawed external data that didn’t accurately reflect the company’s real business trends.

According to Frisch’s analysis, if the third-party data is indeed unreliable, Affirm appears on track to meet consensus estimates. Analysts are expecting roughly 31% year-over-year growth in gross merchandise value for the current quarter.

The stock had taken a hit recently as investors worried about the company’s core customer base. Affirm tends to serve relatively less affluent consumers, and some market watchers feared these customers might pull back on spending if economic conditions weaken.

Holiday Season Performance in Focus

The timing of O’Hare’s comments adds weight to their importance. The holiday shopping season typically drives a large portion of annual retail sales, making it a critical period for payment platforms like Affirm.

During the fireside chat, the CFO discussed both Affirm’s specific performance and broader trends in the buy-now-pay-later industry. His upbeat tone suggested confidence that the company can capitalize on holiday spending patterns.

The stable delinquency rates O’Hare mentioned help address one of the key risks investors watch in the BNPL sector. Rising defaults would threaten Affirm’s profitability and potentially signal problems with its underwriting standards.

Affirm’s stock has been volatile throughout 2025 as investors weigh the company’s growth potential against concerns about consumer health and competitive pressures. The nearly 12% single-day gain represents one of the stock’s strongest performances in recent months.

The company operates in a crowded field that includes both specialized BNPL providers and traditional credit card companies. Competition has intensified as more players recognize the appeal of installment payment options to younger consumers.

Frisch’s reiteration of his outperform rating and $95 price target came shortly after O’Hare’s fireside chat concluded on Tuesday. The analyst maintained his positive stance despite recent market turbulence around the stock.

The post Affirm (AFRM) Stock Jumps 12% as CFO Signals Strong Holiday Demand appeared first on Blockonomi.

Market Opportunity
STABLE Logo
STABLE Price(STABLE)
$0.01137
$0.01137$0.01137
-13.92%
USD
STABLE (STABLE) Live Price Chart
Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact service@support.mexc.com for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

You May Also Like

The Channel Factories We’ve Been Waiting For

The Channel Factories We’ve Been Waiting For

The post The Channel Factories We’ve Been Waiting For appeared on BitcoinEthereumNews.com. Visions of future technology are often prescient about the broad strokes while flubbing the details. The tablets in “2001: A Space Odyssey” do indeed look like iPads, but you never see the astronauts paying for subscriptions or wasting hours on Candy Crush.  Channel factories are one vision that arose early in the history of the Lightning Network to address some challenges that Lightning has faced from the beginning. Despite having grown to become Bitcoin’s most successful layer-2 scaling solution, with instant and low-fee payments, Lightning’s scale is limited by its reliance on payment channels. Although Lightning shifts most transactions off-chain, each payment channel still requires an on-chain transaction to open and (usually) another to close. As adoption grows, pressure on the blockchain grows with it. The need for a more scalable approach to managing channels is clear. Channel factories were supposed to meet this need, but where are they? In 2025, subnetworks are emerging that revive the impetus of channel factories with some new details that vastly increase their potential. They are natively interoperable with Lightning and achieve greater scale by allowing a group of participants to open a shared multisig UTXO and create multiple bilateral channels, which reduces the number of on-chain transactions and improves capital efficiency. Achieving greater scale by reducing complexity, Ark and Spark perform the same function as traditional channel factories with new designs and additional capabilities based on shared UTXOs.  Channel Factories 101 Channel factories have been around since the inception of Lightning. A factory is a multiparty contract where multiple users (not just two, as in a Dryja-Poon channel) cooperatively lock funds in a single multisig UTXO. They can open, close and update channels off-chain without updating the blockchain for each operation. Only when participants leave or the factory dissolves is an on-chain transaction…
Share
BitcoinEthereumNews2025/09/18 00:09
Why Is the Bitcoin Price Constantly Falling? Analysis Firm Says “The Selling Process Has Reached Saturation,” Shares Its Expectations

Why Is the Bitcoin Price Constantly Falling? Analysis Firm Says “The Selling Process Has Reached Saturation,” Shares Its Expectations

Cryptocurrency analytics company K33 Research has evaluated the recent price movements of Bitcoin. Here are the details. Continue Reading: Why Is the Bitcoin Price
Share
Coinstats2025/12/18 03:53
Gold continues to hit new highs. How to invest in gold in the crypto market?

Gold continues to hit new highs. How to invest in gold in the crypto market?

As Bitcoin encounters a "value winter", real-world gold is recasting the iron curtain of value on the blockchain.
Share
PANews2025/04/14 17:12