With credit card APRs reaching record highs, Affirm Finance’s zero-interest products are gaining traction. This macro trend is baked into analysts’ models, forecasting AFRM’s annual revenue growth of 25% this fiscal year. The effects could be significant for a growing group of consumers. According to a 2025 survey commissioned by LendingTree , 49% of Americans say they've used BNPL loan services, with 60% admitting to carrying multiple loans at once. Millennials lead the charge in terms of BNPL usage, with 54% stating they're considering applying for a BNPL loan the following month, followed by 44% of Gen Zers and 39% of Gen Xers aged 45 to 60 years old. Unfortunately, 54% of BNPL loan customers admit to having missed a past payment, and 41% missed one just within the last year. One-quarter of BNPL users have even used these services to buy groceries, a substantial jump from the 14% who did so the year prior. Considering how much the average American spends on groceries , the dangers of poorly managed credit or the benefits of responsibly managed credit could both be easily realized. In related news, CEO Max R. Levchin sold 651,713 shares of the company's stock in a transaction that occurred on Monday, September 22nd. The stock was sold at an average price of $89.27, for a total value of $58,178,419.51. The transaction was disclosed in a legal filing with the SEC, which is available through this link . Also, insider Katherine Adkins sold 59,267 shares of the company's stock in a transaction that occurred on Monday, August 4th. The shares were sold at an average price of $75.02, for a total value of $4,446,210.34. Following the completion of the transaction, the insider owned 113,400 shares in the company, valued at $8,507,268. This represents a 34.32% decrease in their ownership of the stock. The disclosure for this sale can be found here . Insiders sold a total of 1,921,456 shares of company stock valued at $160,284,531 in the last ninety days. 11.82% of the stock is currently owned by corporate insiders. Wall Street Analyst Weigh In Klarna IPO: BNPL Stock or Something Bigger? A number of equities analysts have weighed in on AFRM shares. Evercore ISI reiterated an "outperform" rating on shares of Affirm in a research note on Tuesday, September 16th. Bank of America lifted their price objective on Affirm from $90.00 to $94.00 and gave the company a "buy" rating in a research note on Friday, August 29th. UBS Group lifted their price target on Affirm from $56.00 to $85.00 and gave the company a "neutral" rating in a research note on Friday, August 29th. Zacks Research lowered Affirm from a "strong-buy" rating to a "hold" rating in a research note on Wednesday, August 13th. Finally, Stephens began coverage on Affirm in a research note on Thursday, June 12th. They issued an "equal weight" rating and a $69.00 price target for the company. One analyst has rated the stock with a Strong Buy rating, eighteen have given a Buy rating and twelve have assigned a Hold rating to the company's stock. According to data from MarketBeat, the stock has a consensus rating of "Moderate Buy" and an average target price of $80.04. Get Our Latest Report on AFRM Affirm Trading Down 3.4% Why Affirm Could Be the Next Big Winner in Rate-Cut Rally Shares of Affirm stock opened at $74.83 on Friday. The stock has a market cap of $24.37 billion, a P/E ratio of 575.66, a P/E/G ratio of 4.86 and a beta of 3.58. The stock's 50 day simple moving average is $79.46 and its 200-day simple moving average is $63.13. Affirm Holdings, Inc. has a 1-year low of $30.90 and a 1-year high of $100.00. The company has a debt-to-equity ratio of 2.55, a current ratio of 11.54 and a quick ratio of 11.54. Affirm ( NASDAQ:AFRM - Get Free Report ) last issued its earnings results on Thursday, August 28th. The company reported $0.20 earnings per share for the quarter, topping the consensus estimate of $0.11 by $0.09. The business had revenue of $876.42 million for the quarter, compared to analysts' expectations of $834.94 million. Affirm had a return on equity of 1.80% and a net margin of 1.62%.The business's revenue for the quarter was up 32.9% compared to the same quarter last year. During the same period in the previous year, the firm posted ($0.14) EPS. Affirm has set its FY 2026 guidance at EPS. Q1 2026 guidance at EPS. Analysts predict that Affirm Holdings, Inc. will post -0.18 EPS for the current fiscal year. Affirm Company Profile ( Free Report ) Affirm Holdings, Inc operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time with terms ranging up to 60 months. Featured Stories Five stocks we like better than Affirm How to Use the MarketBeat Dividend Calculator Why the Precious Metal Nobody Talks About Could Be Your Best Bet What to Know About Investing in Penny Stocks Cheap Chipotle? Why CMG Stock Could Be Ready for a Comeback What Does a Stock Split Mean? 3 Industrial Stocks Ready to Benefit From Fed Cuts and Spending Want to see what other hedge funds are holding AFRM? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Affirm Holdings, Inc. ( NASDAQ:AFRM - Free Report ). This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest and most accurate reporting. This story was reviewed by MarketBeat's editorial team prior to publication. Please send any questions or comments about this story to [email protected]. Should You Invest $1,000 in Affirm Right Now? Before you consider Affirm, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Affirm wasn't on the list. While Affirm currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys. View The Five Stocks Here These 7 Stocks Will Be Magnificent in 2025 Discover the next wave of investment opportunities with our report, 7 Stocks That Will Be Magnificent in 2025. Explore companies poised to replicate the growth, innovation, and value creation of the tech giants dominating today's markets. Get This Free Report Affirm Finance (AFRM) stock saw a 3.2% uptick in pre-market trading today, driven by strong Q1 payment volume growth of 20% YoY. Analysts expect continued momentum in BNPL demand, potentially supporting a $40 short-term price target.