BTIG analyst Vincent Caintic has maintained their neutral stance on AFRM stock, giving a Hold rating today.
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Vincent Caintic has given his Hold rating due to a combination of factors impacting Affirm Holdings. While the company has shown impressive growth in its GMV, with a notable 43% year-over-year increase in F4Q25, there are concerns about the sustainability of this growth. The loss of Walmart as a direct integration partner, which previously contributed significantly to Affirm’s GMV, poses a potential challenge to maintaining this growth trajectory.
Another factor influencing the Hold rating is the competitive landscape, with Affirm facing potential threats from competitors like Synchrony, which is launching a competing BNPL product on Amazon. Additionally, while Affirm’s adjusted operating income margin is expected to expand, there are concerns about the impact of higher incentives on margins. The valuation of Affirm’s stock, trading at high multiples compared to peers, also plays a role in the Hold rating, as it suggests that much of the growth potential may already be priced in.
In another report released today, UBS also maintained a Hold rating on the stock with a $85.00 price target.