On August 31, Affirm Holdings, Inc. declined 5.18% in regular trading, trading at $73.825/share, with turnover of $34.49 million. The stock has now fully retraced the gains triggered by its fiscal Q4 earnings beat, falling below the pre-report price level of approximately $77 after briefly surging to $90.44 in the sessions immediately following the report.

Affirm posted fiscal Q4 revenue of $1.17 billion versus the $1.11 billion consensus estimate, with EPS of $4.62 dramatically exceeding the $0.36 analyst expectation. GMV surged 36% to $14.1 billion, well above the roughly 29% growth anticipated. The company also issued FY2027 Q1 revenue guidance of $1.19 billion to $1.22 billion, above the $1.16 billion estimate, and full-year GMV targets exceeding $64 billion. Multiple brokerages raised price targets following the results, with RBC lifting to $96 and UBS to $90, while BofA maintained a buy rating noting that provision density changes reflected product mix rather than credit deterioration.

Despite the universally positive earnings data and analyst upgrades, the stock has experienced sustained selling pressure since the initial post-earnings spike, with the entire rally now erased. Within the Transaction and Payment Processing Services sector, the broader group also traded lower, with PayPal down 1.6%, Block down 1.09%, and Mastercard down 0.72%.

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