Affirm Holdings Faces Rough Start in 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 5h ago
0mins
Source: Benzinga
- Stock Decline: Affirm Holdings Inc. is down 15% year-to-date in 2026, reflecting dual pressures from sector-wide challenges and company-specific setbacks, which may weaken investor confidence and impact future financing capabilities.
- Momentum Score Plummet: Affirm's Momentum score in Benzinga's Edge Rankings has dropped sharply from 72.68 to 21.46 in just over a week, indicating increased stock price volatility that could lead to further investor withdrawals.
- Deteriorating Credit Fundamentals: Activist short-seller Kerrisdale Capital published a report labeling Affirm as a “Buy Now, Cry Later” story, citing its deteriorating credit fundamentals and over-reliance on financially fragile consumers, raising further concerns about its future performance.
- Poor Market Performance: While scoring high on growth, Affirm performs poorly on value and momentum, with unfavorable price trends in the short, medium, and long terms, potentially hindering its ability to attract new investors.
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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: 62.800
Low
83.00
Averages
95.50
High
114.00
Current: 62.800
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.
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Affirm Holdings Faces Rough Start in 2026
- Stock Decline: Affirm Holdings Inc. is down 15% year-to-date in 2026, reflecting dual pressures from sector-wide challenges and company-specific setbacks, which may weaken investor confidence and impact future financing capabilities.
- Momentum Score Plummet: Affirm's Momentum score in Benzinga's Edge Rankings has dropped sharply from 72.68 to 21.46 in just over a week, indicating increased stock price volatility that could lead to further investor withdrawals.
- Deteriorating Credit Fundamentals: Activist short-seller Kerrisdale Capital published a report labeling Affirm as a “Buy Now, Cry Later” story, citing its deteriorating credit fundamentals and over-reliance on financially fragile consumers, raising further concerns about its future performance.
- Poor Market Performance: While scoring high on growth, Affirm performs poorly on value and momentum, with unfavorable price trends in the short, medium, and long terms, potentially hindering its ability to attract new investors.
Continue Reading