Why Affirm Holdings Stock Raced Almost 12% Higher Today
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By Eric Volkman – Dec 16, 2025 at 7:16PM ESTKey PointsMarket players were encouraged by the remarks made by its CFO in a fireside chat.He indicated the business is in fine health.These 10 Stocks Could Mint the Next Wave of Millionaires ›NASDAQ: AFRMAffirmMarket Cap$22BToday's Changeangle-down(11.73%) $7.70Current Price$73.36Price as of December 16, 2025 at 3:58 PM ETA top manager at the company tried to assuage concerns that the customer base might rein in its spending.On Tuesday, many investors chose to buy Affirm Holdings (AFRM +11.73%) stock. The buy-now, pay later (BNPL) specialist saw a nearly 12% increase in its share price following comments from one of the company's top managers, as well as an analyst price target upgrade. A bullish discussion The comments were made by Affirm CFO Rob O'Hare in a fireside chat presented by the company. In his presentation, O'Hare discussed the current state of Affirm, as well as the broader BNPL environment. Image source: Getty Images. The executive discussed Affirm's current performance heading into the holiday season, a particularly crucial time for the retail sector. According to him, quarter-to-date trends are looking quite favorable for its business. He also mentioned that customer delinquency rates were staying level. That bullish overview clearly resonated with one analyst, Adam Frisch of Evercore ISI. Subsequent to the chat, Frish reiterated his outperform (read: buy) recommendation on Affirm, and his $95 per share price target. ExpandNASDAQ: AFRMAffirmToday's Change(11.73%) $7.70Current Price$73.36Key Data PointsMarket Cap$22BDay's Range$65.02 - $73.8652wk Range$30.90 - $100.00Volume371KAvg Vol5.9MGross Margin85.65% Unfair punishment According to reports, the analyst believes that Affirm stock was unfairly penalized due to recently released third-party data. This indicated the company suffered a week-over-week decline in volumes. In his chat, O'Hare said that the data had serious tracking errors, implying that it was not reliable. Advertisement Assuming that's the case, Affirm appears to be on its way to delivering the consensus analyst estimate for 31% year-over-year growth in gross merchandise value (GMV) in its current quarter, Frisch wrote. Some market players are concerned that Affirm's core customer base of relatively less affluent clients will pull back on spending. While that's always a concern when the economy starts to wobble, I believe that BNPL is quickly becoming a go-to buying tool for such individuals; given this, Affirm's business is more resilient than those fears would suggest.About the AuthorEric Volkman is a contributing Motley Fool finance and stock market analyst. Previously, Eric was an equities analyst at European investment bank Raiffeisen Capital and Investment. He’s also been a freelance finance writer since 1995. He studied at Susquehanna University.TMFVolkmanRead NextDec 3, 2025 •By Justin PopeIs Affirm Stock Yesterday's News?Sep 3, 2025 •By Parkev Tatevosian, CFAI Analyze Affirm's Latest Earnings Results and Update My Rating on the StockAug 29, 2025 •By Eric VolkmanWhy Affirm Holdings Stock Blasted Nearly 11% Higher on FridayMay 13, 2025 •By Parkev Tatevosian, CFAShould Stock Market Investors Buy Affirm Stock?Apr 9, 2025 •By Parkev Tatevosian, CFAShould Investors Buy Affirm Stock During the Nasdaq Bear Market?Mar 20, 2025 •By Parkev Tatevosian, CFAWhy Is Affirm Stock Falling, and Should You Buy the Dip?