📈 Stocks 🌍 United States

Affirm Shares Slip 12% Post-Earnings Despite Cramer's Bullish Outlook

Affirm shares face downward pressure despite strong quarterly growth metrics, while Block Inc. navigates a mixed earnings landscape defined by high operating margins and rising credit risks.

📅 September 12, 2026 🕐 1 min read

2 assets impacted (Stocks). Net bias: 0 Bullish, 0 Bearish, 2 Neutral. Strongest signal: AFRM → 5/10 (60% confidence).

📊 Affected Assets (2)

AFRM

Neutral 🤖 60%

📅 Short-term 🌍 US · Explicit

Jim Cramer remains bullish on Affirm despite post-earnings drop, citing strong GMV growth and offline expansion.

XYZ

Neutral 🤖 55%

📅 Short-term 🌍 US · Explicit

Block Inc. shows strong CashApp and Square growth but faces rising loan losses and declining Bitcoin profits.

🎯 Key Takeaways

Affirm reported 36% GMV growth and noted that 30% of card transactions now occur offline, signaling successful diversification.
Block Inc. achieved a 27% operating margin, though it faces a 99% surge in transaction and loan losses alongside a 31% drop in Bitcoin gross profit.

📝 Executive Summary

Affirm Holdings shares have retreated over 12% since its fiscal fourth-quarter earnings report, despite strong 36% GMV growth and offline expansion. While Jim Cramer remains a vocal proponent of the stock, market sentiment remains cautious as investors weigh high valuations against the firm's ability to scale profitably. Meanwhile, Block Inc. shows robust growth in its CashApp and Square segments, though rising loan losses and declining Bitcoin profits weigh on the stock.

❓ FAQ

Why is Jim Cramer bullish on Affirm Holdings?

Cramer cites Affirm's strong GMV growth, successful offline expansion, and overall operational performance as reasons for his positive outlook, despite the stock's recent price decline.

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