Stock Price & Analysis

Based on the provided data and recent market activity, here's a comprehensive analysis of AFRM stock:

Technical Analysis

The stock is currently trading at $66.64 in regular market hours, showing a -2.79% decline today. The stock has experienced significant volatility with:

• Today's range: $63.06 - $69.20
• Volume: 5.1M shares

Fundamental Analysis & Recent Performance

According to recent earnings reports, Affirm has demonstrated strong performance:

• Revenue growth of 47% year-over-year
• GMV (Gross Merchandise Volume) growth of 35% to $10.1B
• Active consumers increased to 21 million (+19% YoY)
• Affirm Card users reached 1.7 million (+136% YoY)

Growth Catalysts

1. Strategic Partnerships:

• Integration with Apple Pay launched in September 2024
• Expanded partnerships with major merchants including Amazon
• Increased lending capacity to $22.6B from $15.5B YoY

2. Financial Health:

• $1.8B in cash reserves
• Generated over $600M in free cash flow over past year
• Achieved break-even on operating margin

Analyst Sentiment

Recent analyst consensus:

• Average price target: $72.47
• High estimate: $85.00
• Low estimate: $55.00
• Current P/S ratio: 8.5x

Near-term Outlook

Recent bearish options activity suggests potential short-term volatility:

• High put volume with Put/Call ratio of 1.68
• Focus on Feb-25 71 puts and Feb-28 69 puts
• Next earnings expected on May 7th

Recommendation

Based on the technical and fundamental analysis, AFRM presents a HOLD recommendation at current levels. While the company shows strong fundamental growth and strategic expansion, the recent bearish options activity and current market volatility suggest waiting for a better entry point below $63 (current support level).

Based on the provided data and recent market analysis, here is the price prediction for AFRM stock in 2025:

The stock is expected to reach $84 by end of 2025, representing a 26% upside from current levels of $66.64. This projection is supported by strong fundamentals and recent earnings beats, with Q2 FY2025 showing revenue of $866 million and positive EPS of $0.23 versus expected loss.

The bullish case is driven by three key factors: 1) Continued GMV growth with FY2025 guidance of $34.74B-$35.34B, 2) Improving profitability with operating margin guidance of 22.5%-23.5%, and 3) Current valuation at 8.5x trailing revenues provides room for multiple expansion.

The S1 support level for AFRM Stock is $63.83 ,The R1 resistant level for AFRM Stock is $79.95.

As of the end of day on 2025-02-27, the price of AFRM Stock was $61.56.

The target price for AFRM Stock according to analyst rating is 76.87, with the highest price target at 90.00 and the lowest at 57.00. Analysts have a Moderate Buy rating on AFRM Stock overall.

The market cap of AFRM is $19.6B.

Based on the provided data and recent market analysis, here's a comprehensive evaluation of AFRM's valuation:

Technical Analysis

• RSI-14 at 49.87 indicates neutral momentum
• MACD is slightly bullish with positive values (MACD: 4.04, Signal: 3.76)
• Trading above key moving averages (SMA20: $68.09, SMA200: $45.33)
• Currently in Bollinger Band middle range with BBP at 0.51

Fundamental Growth

• Revenue grew 47% year-over-year to $1.4B in FY2023
• Gross Merchandise Volume (GMV) increased 35% to $10.1B
• Active consumer base expanded 23% to 21 million users
• Affirm Card reached 1.7 million active users, up 136% YoY

Valuation Assessment

• Trading at 8.5x trailing revenues, slightly below 2-year average of 8.6x
• Net margin remains negative at -70.4%, indicating profitability challenges
• High debt-to-equity ratio of 2.51 suggests significant leverage risk
• Recent analyst consensus price target of $72.47, with range of $55-$85

Conclusion: AFRM appears overvalued at current levels due to persistent profitability challenges, high leverage, and rich valuation multiples despite strong top-line growth. While the company shows impressive revenue growth and user expansion, the negative margins and high debt levels suggest the current price may not be sustainable.

Affirm Holdings, Inc. provides a platform for digital and mobile-first commerce. The Company's platform comprises three core elements: point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Its point-of-sale solutions allow consumers to pay for purchases in fixed amounts without deferred interest, late fees, or penalties. It offers commerce enablement, demand generation, and customer acquisition tools. Consumers can use the app to apply for installment loans, and upon approval, they can use the Affirm Card digitally online or in-stores to complete a purchase. The Company’s platform provides consumer and merchant features. Its consumer features include checkout, consumer borrowing, virtual card, affirm app and marketplace and Affirm debit+ card. Its merchant features include affirm at Checkout, merchant dashboard, analytics, client success support, affirm app, and returns management, among others.

Based on the provided data and recent analyst reports, here's a concise 2030 price prediction for AFRM stock:

AFRM stock is projected to reach $120-130 by 2030, driven by the company's strong revenue growth trajectory (47% YoY in Q2 2025) and improving profitability metrics as evidenced by its first profitable quarter in Q2 2025 with EPS of $0.23.

The company's expanding market share in the BNPL space and strategic partnerships, combined with projected FY2025 revenue of $3.13B-$3.19B, suggests sustained long-term growth potential through 2030.

AFRM has a total of 2171 employees.