AFRM Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q2

FY2026Q3

FY2026Q4

1.06B

+22.15%

0.846

+11.44%

982.80M

+25.5%

0.726

+272.29%

1.09B

+24.45%

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 2.89% over the past three months. During the same period, the stock price has changed by -25.54%.

Revenue Estimates for FY2026

Revise Upward

+2.89%

In Past 3 Month

EPS Estimates for FY2026

Revise Upward

+27.77%

In Past 3 Month

Stock Price

Go Down

-25.54%

In Past 3 Month

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: 66.590

Low

83.00

Averages

96.47

High

115.00

Current: 66.590

Low

83.00

Averages

96.47

High

115.00

Wolfe Research

Peer Perform

initiated

$72 -> $82

2025-12-09

Reason

Wolfe Research

Price Target

$72 -> $82

2025-12-09

initiated

Peer Perform

Reason

Wolfe Research initiated coverage of Affirm with a Peer Perform rating and $72-$82 year-end 2026 fair value range. The firm views Affirm as a "differentiated" buy now pay later provider with growth drivers, including 0% annual percentage rate loans, card adoption, and international expansion. However, Wolfe awaits a more attractive entry point before recommending the shares.

Freedom Capital

NULL

Buy

initiated

$90

2025-12-04

Reason

Freedom Capital

Price Target

$90

2025-12-04

initiated

NULL

Buy

Reason

Freedom Capital initiated coverage of Affirm with a Buy rating and $90 price target. Buy Now Pay Later has seen exponential growth over the past decade and Affirm is considered the category leader in BNPL payment options to consumers in the U.S., the analyst tells investors. "Tremendous" share gains in the U.S. have translated into a GAAP profitable business and a mid-20s grower, adds the analyst, who sees "several catalysts on the horizon to deliver upside to consensus estimates."

JPMorgan

Neutral -> Underweight

downgrade

$72

2025-12-04

Reason

JPMorgan

Price Target

$72

2025-12-04

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.

Valuation Metrics

The current forward P/E ratio for Affirm Holdings Inc (AFRM.O) is 20.56, compared to its 5-year average forward P/E of -28.06. For a more detailed relative valuation and DCF analysis to assess Affirm Holdings Inc 's fair value, click here.

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.

N/A

5Y Average PE

-28.06

Current PE

20.56

Overvalued PE

69.03

Undervalued PE

-125.16

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.

N/A

5Y Average EV/EBITDA

-24.79

Current EV/EBITDA

25.65

Overvalued EV/EBITDA

101.03

Undervalued EV/EBITDA

-150.61

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.

5Y Average PS

7.70

Current PS

5.19

Overvalued PS

15.17

Undervalued PS

0.23

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

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

AFRM News & Events

Events Timeline

No data

News

4.0

12-14Yahoo Finance

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6.5

12-13NASDAQ.COM

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3.0

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Frequently Asked Questions

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

The current price of AFRM is 66.59 USD — it has decreased -0.98 % in the last trading day.

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.

What is the price predicton of AFRM Stock?

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.

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.

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

How many employees does Affirm Holdings Inc (AFRM). have?

Affirm Holdings Inc (AFRM) has 2206 emplpoyees as of December 15 2025.

What is Affirm Holdings Inc (AFRM) market cap?

Today AFRM has the market capitalization of 22.20B USD.