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  3. AFRM
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AFRM

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    Overview
    Forecast
    Valuation
    Earnings
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Amount
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EV/EBITDA(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q2
FY2026Q3
FY2026Q4
1.06B
+22.16%
0.846
+11.44%
980.92M
+25.26%
0.726
+272.29%
1.09B
+24.28%
0.871
+65.37%
Estimates Revision
The market is revising Upward the revenue expectations for Affirm Holdings, Inc. (AFRM) for FY2026, with the revenue forecasts being adjusted by 2.93% over the past three months. During the same period, the stock price has changed by -21.36%.
Revenue Estimates for FY2026
Revise Upward
up Image
+2.93%
In Past 3 Month
EPS Estimates for FY2026
Revise Upward
up Image
+30.78%
In Past 3 Month
Stock Price
Go Down
down Image
-21.36%
In Past 3 Month
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 96.47 USD with a low forecast of 83.00 USD and a high forecast of 115.00 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.
20 Analyst Rating
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 96.47 USD with a low forecast of 83.00 USD and a high forecast of 115.00 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.
15 Buy
5 Hold
0 Sell
Strong Buy
Current: 68.690
sliders
Low
83.00
Averages
96.47
High
115.00
Current: 68.690
sliders
Low
83.00
Averages
96.47
High
115.00
JPMorgan
Neutral -> Underweight
downgrade
$72
2025-12-04
New
Reason
JPMorgan
Price Target
$72
2025-12-04
New
downgrade
Neutral -> Underweight
Reason
JPMorgan downgraded Bread Financial (BFH) to Underweight from Neutral with an unchanged price target of $72. The company continues to see slow organic volume and receivables growth, the analyst tells investors in a research note. The firm believes Bread's private label business is losing market share to tech-forward, flexible financing options like buy-now-pay-later while the co-branded space remains "fiercely competitive." JPMorgan recommends a long Affirm (AFRM), short Bread Financial pair trade over the next six-months.
Mizuho
Dan Dolev
maintain
$108 -> $114
2025-11-10
Reason
Mizuho
Dan Dolev
Price Target
$108 -> $114
2025-11-10
maintain
Reason
Mizuho analyst Dan Dolev raised the firm's price target on Affirm to $114 from $108 and keeps an Outperform rating on the shares. The firm updated the company's model post the Q3 report.
RBC Capital
Sector Perform
downgrade
$97 -> $87
2025-11-07
Reason
RBC Capital
Price Target
$97 -> $87
2025-11-07
downgrade
Sector Perform
Reason
RBC Capital lowered the firm's price target on Affirm to $87 from $97 and keeps a Sector Perform rating on the shares after its Q1 results. In addition to expanding its relationship with Amazon (AMZN) for 5-years, the results and updated outlook provided positive proof-points that the consumer remains resilient and engaged, the analyst tells investors in a research note. RBC adds however that it is cutting its price target to a valuation that is more in line with similar growth peers.
BofA
Mihir Bhatia
Buy
maintain
$94 -> $98
2025-11-07
Reason
BofA
Mihir Bhatia
Price Target
$94 -> $98
2025-11-07
maintain
Buy
Reason
BofA analyst Mihir Bhatia raised the firm's price target on Affirm to $98 from $94 and keeps a Buy rating on the shares following a quarter the firm calls "quite good," featuring a Q1 beat and FY26 guidance raise. The "one disappointment" was the revenue less transaction costs guidance being maintained at about 4% growth for FY26 despite the Q1 outperformance, the analyst tells investors.
Morgan Stanley
Equal Weight
maintain
$90 -> $83
2025-11-07
Reason
Morgan Stanley
Price Target
$90 -> $83
2025-11-07
maintain
Equal Weight
Reason
Morgan Stanley lowered the firm's price target on Affirm to $83 from $90 and keeps an Equal Weight rating on the shares. Building concern around softness in discretionary spending and credit both proved to be overdone, says the analyst, who continues to believe BNPL is a share gainer within e-comm and that Affirm is "leading the charge." However, this is largely reflected in the multiple, adds the analyst, who trimmed the firm's target on higher macro uncertainty while acknowledging it has yet to impact Affirm.
Truist
Matthew Coad
Buy
downgrade
$95 -> $90
2025-10-24
Reason
Truist
Matthew Coad
Price Target
$95 -> $90
2025-10-24
downgrade
Buy
Reason
Truist analyst Matthew Coad lowered the firm's price target on Affirm to $90 from $95 and keeps a Buy rating on the shares as part of a broader research note previewing Q3 earnings in Payments/FinTech. Overall, Q3 results should be strong as consumer spending has held up well, but the firm also fears that Q4 guidance for certain firms may come in worse than the Street expectations due to tougher comps in Q4 following the strong holiday spending season last year, the analyst tells investors in a research note. Investors should continue to be selective when allocating to the payments/FinTech space, Truist added.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Affirm Holdings Inc (AFRM.O) is 21.29, compared to its 5-year average forward P/E of -28.34. For a more detailed relative valuation and DCF analysis to assess Affirm Holdings Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-28.34
Current PE
21.29
Overvalued PE
68.96
Undervalued PE
-125.64

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
-25.12
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
101.04
Undervalued EV/EBITDA
-151.28

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
7.72
Current PS
0.00
Overvalued PS
15.21
Undervalued PS
0.23
Financial AI Agent
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Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
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AFRM News & Events

Events Timeline

(ET)
2025-12-01
11:20:00
Connecticut AG Leads Inquiry into Six Major BNPL Providers' Compliance
select
link
2025-11-06 (ET)
2025-11-06
16:26:07
Affirm Supports FY25 Revenue Projection at Approximately 8.4% of GMV
select
2025-11-06
16:24:53
Affirm announces Q1 earnings per share of 24 cents compared to a loss of 31 cents in the same period last year.
select
Sign Up For More Events
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News

[object Object]
Preview
4.0
12-04MarketWatch
"Concerns Grow Over Financial Strain as Americans Project $20 Billion in Buy-Now-Pay-Later Holiday Spending"

  • Record Holiday Spending: Holiday spending reached an all-time high during Black Friday and Cyber Monday, driven by the popularity of buy-now-pay-later options.

  • Cyber Monday Statistics: Americans spent $1.03 billion on Cyber Monday using buy-now-pay-later services, marking a significant increase according to Adobe's data.

  • Projected Growth: The buy-now-pay-later services are expected to facilitate $20.2 billion in payments throughout the holiday shopping season, reflecting an 11% year-over-year increase.

  • Key Players: Major buy-now-pay-later providers include Klarna, Affirm, and PayPal, contributing to the surge in holiday spending.

[object Object]
Preview
1.0
12-03Newsfilter
Affirm CFO to Host Investor Q&A on December 16, 2025
  • Investor Engagement: Affirm will host a shareholder Q&A on December 16, 2025, featuring CFO Rob O'Hare in conversation with Matthew Coad from Truist, which is expected to attract significant investor interest and enhance communication between the company and its shareholders.
  • Question Submission Platform: Shareholders can submit and upvote questions via Say Technologies' platform, which will close on December 15, 2025, aiming to increase shareholder engagement and ensure management addresses critical issues.
  • Live Webcast: The event will be webcast live on the company's investor relations website, allowing real-time participation and enhancing transparency, which is likely to positively impact shareholder trust.
  • Replay Availability: A replay of the webcast will be available for a limited time after the event, ensuring that shareholders who cannot participate live can still access key information, thereby improving accessibility and company transparency.
[object Object]
Preview
8.0
12-03NASDAQ.COM
Significant Options Activity on Tuesday: ZS, AFRM, PSTG

  • Affirm Holdings Options Activity: Affirm Holdings Inc (AFRM) has seen a significant options trading volume of 33,073 contracts today, equating to about 3.3 million underlying shares, which is 54.3% of its average daily trading volume over the past month.

  • High Volume Call Option: The $80 strike call option for AFRM, expiring on January 16, 2026, has particularly high activity with 6,791 contracts traded, representing approximately 679,100 underlying shares.

  • PURE Storage Options Activity: PURE Storage Inc (PSTG) recorded an options trading volume of 16,750 contracts today, representing around 1.7 million underlying shares, or 52% of its average daily trading volume over the past month.

  • High Volume Put Option: The $75 strike put option for PSTG, expiring on December 19, 2025, has notable activity with 1,556 contracts traded, representing approximately 155,600 underlying shares.

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FAQ

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What is Affirm Holdings Inc (AFRM) stock price today?

The current price of AFRM is 68.69 USD — it has decreased -1.36 % in the last trading day.

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What is Affirm Holdings Inc (AFRM)'s business?

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.

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What is the price predicton of AFRM Stock?

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 96.47 USD with a low forecast of 83.00 USD and a high forecast of 115.00 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.

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What is Affirm Holdings Inc (AFRM)'s revenue for the last quarter?

Affirm Holdings Inc revenue for the last quarter amounts to 933.34M USD, increased 33.62 % YoY.

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What is Affirm Holdings Inc (AFRM)'s earnings per share (EPS) for the last quarter?

Affirm Holdings Inc. EPS for the last quarter amounts to 0.23 USD, decreased -174.19 % YoY.

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What changes have occurred in the market's expectations for Affirm Holdings Inc (AFRM)'s fundamentals?

The market is revising Upward the revenue expectations for Affirm Holdings, Inc. (AFRM) for FY2026, with the revenue forecasts being adjusted by 2.93% over the past three months. During the same period, the stock price has changed by -21.36%.
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How many employees does Affirm Holdings Inc (AFRM). have?

Affirm Holdings Inc (AFRM) has 2206 emplpoyees as of December 05 2025.

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What is Affirm Holdings Inc (AFRM) market cap?

Today AFRM has the market capitalization of 22.67B USD.

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