Affirm Partners with Virgin Media O2 for Flexible Payment Solutions
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy AFRM?
Source: Newsfilter
- Partnership Announcement: Affirm has partnered with Virgin Media O2, one of the UK's leading mobile providers, to offer transparent and flexible hardware financing options, enhancing customer experience for both new and existing users when purchasing devices.
- No Hidden Fees: Affirm's financing options cover mobile phones, headphones, and gaming consoles, ensuring customers are not charged late or hidden fees when repaying their loans, which enhances payment transparency and builds trust with consumers.
- Market Expansion Potential: This partnership allows Virgin Media O2 to expand its offerings in the SIM-free market, adding to its existing portfolio of Pay Monthly Handset Bundles and SIM Only options, thereby increasing its competitive edge in the market.
- Future Development Plans: Flexible payment plans are expected to be available to Virgin Media O2 customers later this summer, pending regulatory approval, which will help improve payment convenience for customers and enhance the company's market influence.
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Analyst Views on AFRM
Wall Street analysts forecast AFRM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AFRM is 95.50 USD with a low forecast of 83.00 USD and a high forecast of 114.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
18 Analyst Rating
12 Buy
6 Hold
0 Sell
Moderate Buy
Current: 62.160
Low
83.00
Averages
95.50
High
114.00
Current: 62.160
Low
83.00
Averages
95.50
High
114.00
About AFRM
Affirm Holdings, Inc. provides consumers with an alternative to traditional payment options. The Company is engaged in building a payment network. Its platform comprises three core elements: point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Its Affirm App and Website provide tailored offers from merchants based on consumers' preferences. Consumers can apply at affirm.com or via the Affirm App and, upon approval, receive a single-use virtual card to use online or in-store. Its Affirm Card allows consumers to link a bank account to pay in full, or apply to pay overtime through the Affirm App. It offers users an in-app post-purchase feature that allows them to instantly apply to convert any eligible debit transaction into an installment loan. Through the Affirm app and in partnership with Cross River Bank, it offers a savings account, with no minimum deposit requirements or fees.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Affirm Reports 30% Revenue Growth in Q2
- Significant Revenue Growth: Affirm's revenue surged 30% year-over-year to $1.12 billion in Q2, exceeding the consensus estimate of $1.06 billion, indicating strong demand for its buy-now-pay-later services.
- Increased Credit Loss Provisions: The company reported a jump in credit loss provisions to $214.2 million in Q2, up from nearly $153 million a year ago, reflecting potential challenges from rising credit risks despite solid overall revenue performance.
- Interest Income Boost: Affirm's interest income grew by 21%, primarily driven by a 22% increase in average net loans held for investment, which supports the company's profitability even amid credit loss pressures.
- Optimistic Future Outlook: Affirm expects Q3 revenue to range between $970 million and $1 billion, with analysts averaging $975.7 million, showcasing confidence in future performance despite a 4% drop in stock price during after-hours trading.
See More
Affirm Partners with Virgin Media O2 for Flexible Payment Solutions
- Partnership Announcement: Affirm has partnered with Virgin Media O2, one of the UK's leading mobile providers, to offer transparent and flexible hardware financing options, enhancing customer experience for both new and existing users when purchasing devices.
- No Hidden Fees: Affirm's financing options cover mobile phones, headphones, and gaming consoles, ensuring customers are not charged late or hidden fees when repaying their loans, which enhances payment transparency and builds trust with consumers.
- Market Expansion Potential: This partnership allows Virgin Media O2 to expand its offerings in the SIM-free market, adding to its existing portfolio of Pay Monthly Handset Bundles and SIM Only options, thereby increasing its competitive edge in the market.
- Future Development Plans: Flexible payment plans are expected to be available to Virgin Media O2 customers later this summer, pending regulatory approval, which will help improve payment convenience for customers and enhance the company's market influence.
See More
Affirm Reports Strong Q2 Earnings, Beats Estimates
- Strong Earnings Performance: Affirm reported earnings of $0.37 per share for Q2, surpassing the consensus estimate of $0.30, indicating improved profitability that may boost investor confidence.
- Significant Revenue Growth: The company achieved quarterly revenue of $1.12 billion, exceeding Wall Street's expectation of $1.06 billion, demonstrating sustained competitiveness and potential for future growth.
- Expanding Customer Base: Active customers rose by 23% to 25.8 million, while active merchants increased by 42% to 478,000, reflecting Affirm's success in attracting new users and merchants, thereby enhancing its market share.
- Optimistic Outlook: Affirm anticipates Q3 revenue between $970 million and $1 billion, slightly below the $979.57 million estimate, but has raised its fiscal 2026 revenue guidance to a range of $4.09 billion to $4.15 billion, showcasing confidence in long-term growth.
See More
Affirm Q2 Earnings Beat Expectations with Strong Revenue Growth
- Earnings Performance: Affirm reported a Q2 GAAP EPS of $0.37, beating expectations by $0.10, indicating a sustained improvement in profitability that boosts investor confidence.
- Significant Revenue Growth: The company achieved total revenue of $1.12 billion, a 29.3% year-over-year increase, surpassing expectations by $60 million, demonstrating its growing competitiveness in the market and enhancing future growth potential.
- Decline in GMV Revenue Ratio: Despite the revenue growth, the revenue as a percentage of GMV decreased to 8.14%, down 40 basis points year-over-year, reflecting potential impacts on the profitability model due to changing market conditions.
- Stock Price Fluctuation: Despite strong earnings, Affirm's shares fell by 1.3%, possibly due to market caution regarding future growth, prompting investors to monitor the company's strategic adjustments closely.
See More
Affirm Raises FY2026 Guidance Amid Strong Q2 Earnings
- Guidance Upgrade: Affirm raised its FY2026 gross merchandise volume guidance to $48.30B-$48.85B, up from over $47.5B, reflecting strong confidence in future growth and exceeding the market consensus of $48.3B.
- Strong Quarterly Performance: The company reported a GAAP EPS of $0.37 for Q2 FY2026, beating analyst expectations of $0.27 and rising from $0.23 in the previous quarter, indicating a significant improvement in profitability.
- Significant Revenue Growth: Total net revenue for Q2 reached $1.12B, surpassing the $1.06B consensus and increasing 29% from $866.4M a year ago, driven by robust growth in network revenue, interest income, and loan sales gains.
- Increased Consumer Engagement: As of December 31, 2025, the number of active consumers rose 23% year-over-year to 25.8 million, with transactions per customer increasing 20% to 6.4, demonstrating ongoing improvements in user engagement and market penetration.
See More
Affirm Holdings Shares Decline Ahead of Q2 Earnings Report
- Earnings Expectations: Analysts anticipate Affirm Holdings will report earnings per share of $0.61 for Q2 fiscal 2026, with results set to be released after Thursday's market close, potentially impacting investor sentiment.
- Market Pressure: The stock's decline of 3.22% coincides with a broader sell-off in tech stocks, as the Nasdaq Composite fell 0.65% and the S&P 500 dropped 0.70%, indicating that Affirm's weakness is part of a larger risk-off trend across equities.
- Merchant Partnerships: Affirm collaborates with nearly 420,000 merchants globally, offering flexible payment solutions designed to enhance customer access and increase average order value, thereby strengthening its competitive position in the market.
- Analyst Ratings: The stock holds a Buy rating with an average price target of $84.86, and recent analyst upgrades reflect a positive outlook, including Morgan Stanley's upgrade to Overweight with a target of $76.00 and Needham's upgrade to Buy with a target of $100.00.
See More
Affirm Reports 30% Revenue Growth in Q2
- Significant Revenue Growth: Affirm's revenue surged 30% year-over-year to $1.12 billion in Q2, exceeding the consensus estimate of $1.06 billion, indicating strong demand for its buy-now-pay-later services.
- Increased Credit Loss Provisions: The company reported a jump in credit loss provisions to $214.2 million in Q2, up from nearly $153 million a year ago, reflecting potential challenges from rising credit risks despite solid overall revenue performance.
- Interest Income Boost: Affirm's interest income grew by 21%, primarily driven by a 22% increase in average net loans held for investment, which supports the company's profitability even amid credit loss pressures.
- Optimistic Future Outlook: Affirm expects Q3 revenue to range between $970 million and $1 billion, with analysts averaging $975.7 million, showcasing confidence in future performance despite a 4% drop in stock price during after-hours trading.
See More
Affirm Partners with Virgin Media O2 for Flexible Payment Solutions
- Partnership Announcement: Affirm has partnered with Virgin Media O2, one of the UK's leading mobile providers, to offer transparent and flexible hardware financing options, enhancing customer experience for both new and existing users when purchasing devices.
- No Hidden Fees: Affirm's financing options cover mobile phones, headphones, and gaming consoles, ensuring customers are not charged late or hidden fees when repaying their loans, which enhances payment transparency and builds trust with consumers.
- Market Expansion Potential: This partnership allows Virgin Media O2 to expand its offerings in the SIM-free market, adding to its existing portfolio of Pay Monthly Handset Bundles and SIM Only options, thereby increasing its competitive edge in the market.
- Future Development Plans: Flexible payment plans are expected to be available to Virgin Media O2 customers later this summer, pending regulatory approval, which will help improve payment convenience for customers and enhance the company's market influence.
See More
Affirm Reports Strong Q2 Earnings, Beats Estimates
- Strong Earnings Performance: Affirm reported earnings of $0.37 per share for Q2, surpassing the consensus estimate of $0.30, indicating improved profitability that may boost investor confidence.
- Significant Revenue Growth: The company achieved quarterly revenue of $1.12 billion, exceeding Wall Street's expectation of $1.06 billion, demonstrating sustained competitiveness and potential for future growth.
- Expanding Customer Base: Active customers rose by 23% to 25.8 million, while active merchants increased by 42% to 478,000, reflecting Affirm's success in attracting new users and merchants, thereby enhancing its market share.
- Optimistic Outlook: Affirm anticipates Q3 revenue between $970 million and $1 billion, slightly below the $979.57 million estimate, but has raised its fiscal 2026 revenue guidance to a range of $4.09 billion to $4.15 billion, showcasing confidence in long-term growth.
See More
Affirm Q2 Earnings Beat Expectations with Strong Revenue Growth
- Earnings Performance: Affirm reported a Q2 GAAP EPS of $0.37, beating expectations by $0.10, indicating a sustained improvement in profitability that boosts investor confidence.
- Significant Revenue Growth: The company achieved total revenue of $1.12 billion, a 29.3% year-over-year increase, surpassing expectations by $60 million, demonstrating its growing competitiveness in the market and enhancing future growth potential.
- Decline in GMV Revenue Ratio: Despite the revenue growth, the revenue as a percentage of GMV decreased to 8.14%, down 40 basis points year-over-year, reflecting potential impacts on the profitability model due to changing market conditions.
- Stock Price Fluctuation: Despite strong earnings, Affirm's shares fell by 1.3%, possibly due to market caution regarding future growth, prompting investors to monitor the company's strategic adjustments closely.
See More
Affirm Raises FY2026 Guidance Amid Strong Q2 Earnings
- Guidance Upgrade: Affirm raised its FY2026 gross merchandise volume guidance to $48.30B-$48.85B, up from over $47.5B, reflecting strong confidence in future growth and exceeding the market consensus of $48.3B.
- Strong Quarterly Performance: The company reported a GAAP EPS of $0.37 for Q2 FY2026, beating analyst expectations of $0.27 and rising from $0.23 in the previous quarter, indicating a significant improvement in profitability.
- Significant Revenue Growth: Total net revenue for Q2 reached $1.12B, surpassing the $1.06B consensus and increasing 29% from $866.4M a year ago, driven by robust growth in network revenue, interest income, and loan sales gains.
- Increased Consumer Engagement: As of December 31, 2025, the number of active consumers rose 23% year-over-year to 25.8 million, with transactions per customer increasing 20% to 6.4, demonstrating ongoing improvements in user engagement and market penetration.
See More
Affirm Holdings Shares Decline Ahead of Q2 Earnings Report
- Earnings Expectations: Analysts anticipate Affirm Holdings will report earnings per share of $0.61 for Q2 fiscal 2026, with results set to be released after Thursday's market close, potentially impacting investor sentiment.
- Market Pressure: The stock's decline of 3.22% coincides with a broader sell-off in tech stocks, as the Nasdaq Composite fell 0.65% and the S&P 500 dropped 0.70%, indicating that Affirm's weakness is part of a larger risk-off trend across equities.
- Merchant Partnerships: Affirm collaborates with nearly 420,000 merchants globally, offering flexible payment solutions designed to enhance customer access and increase average order value, thereby strengthening its competitive position in the market.
- Analyst Ratings: The stock holds a Buy rating with an average price target of $84.86, and recent analyst upgrades reflect a positive outlook, including Morgan Stanley's upgrade to Overweight with a target of $76.00 and Needham's upgrade to Buy with a target of $100.00.
See More
