Ticker: AFRM

Affirm Holdings

Finance Technology Software - Infrastructure

Price 72.68

Reco Sell Potential 50 Risk 75 Updated 2026-10-27

Official website

Forecast impact

negative

Target +41.7% target fill 70.6%

Reaction D5 +3.98% · D10 +8.55% market trust

Impact Potential -4 · Risk +3 valid until 2026-11-12

Track in portfolio

Price chart

AI recommendation Analyst forecast Calendar event Positive signal Negative signal Neutral / update Hold / informational B My buy S My sell

Description

Company and Business Model

Affirm Holdings is a technology company specializing in point-of-sale financing and buy now, pay later (BNPL) solutions. Its core products include consumer loans and payment solutions that enable customers to make purchases and pay over time. The company primarily generates revenue through transaction fees charged to merchants and interest on consumer loans. Major business segments include partnerships with online retailers and direct-to-consumer offerings.

Investment Profile

The investment profile of Affirm Holdings is more aligned with growth investors, given its focus on expanding its market presence and innovative financing solutions. The stock may appeal to those seeking potential capital appreciation rather than immediate income, as it does not offer dividends. Investors should consider the company's volatility and risk factors when assessing their investment horizon.

Category: Finance Sector: Technology Industry: Software - Infrastructure Investment style: Growth Horizon: Medium-term Company type: Market Leader Experience: Basic

Fundamental metrics (experimental) Updated: 2026-10-23

EPS (TTM) — earnings per share for the last 12 months, $: 5.71
Revenue QoQ — quarter-over-quarter revenue growth: 4.9%
EPS surprise: 1230.3%
20d volatility: 3.4%

AI recommendation changes

Date	Before	After	Reason
2026-10-23	Hold	Sell	Strong EPS surprise, but negative momentum raises concerns.
2026-10-21	Sell	Hold	Strong EPS surprise indicates solid growth potential.
2026-10-15	Buy	Sell	Weak momentum and high risk overshadow fundamentals.
2026-10-03	Hold	Buy	Strong EPS surprise, but mixed momentum signals.
2026-09-16	Sell	Hold	Strong EPS surprise, but negative momentum raises concerns.
2026-09-09	Hold	Sell	Weak fundamentals and negative momentum raise significant concerns.
2026-08-06	Sell	Hold	Mixed performance; revenue decline raises concerns.
2026-07-29	Hold	Sell	Weak fundamentals and negative momentum raise concerns.
2026-07-11	Buy	Hold	Weak revenue growth raises uncertainty despite positive EPS surprise.
2026-07-03	Hold	Buy	Strong momentum but revenue decline raises concerns.
2026-06-25	Sell	Hold	Strong recent performance, but fundamentals show weakness.
2026-06-23	Hold	Sell	Weak fundamentals and negative momentum raise concerns.
2026-05-28	Sell	Hold	Mixed fundamentals with strong recent momentum.
2026-05-26	Hold	Sell	Weak fundamentals and high risk; uncertain momentum.
2026-05-18	Sell	Hold	Weak revenue growth offsets positive EPS surprise.
2026-05-10	Buy	Sell	Weak fundamentals and negative momentum raise significant concerns.
2026-05-08	—	Buy	Strong revenue growth and positive EPS surprise support bullish outlook.
2026-05-08	Hold	Hold	Компания показывает сильный рост выручки и положительные сюрпризы по прибыли, что указывает на потенциал дальнейшего роста. Однако, волатильность на рынке и недавние падения цены акций создают определенные риски.
2026-03-19	Sell	Hold	Компания Affirm демонстрирует значительное снижение цен на акции за последние месяцы, что указывает на высокие риски. Несмотря на положительный рост выручки, текущие показатели не оправдывают инвестиций.
2026-03-17	Hold	Sell	Компания показывает рост выручки, но значительное снижение цены акций за последние месяцы указывает на высокие риски. Рекомендуется удерживать акции до более ясных сигналов о восстановлении.
2026-03-05	Sell	Hold	Компания Affirm демонстрирует рост выручки, однако значительное снижение цены акций за последние месяцы указывает на высокие риски. Рекомендуется удерживать акции до более ясных сигналов о восстановлении.
2026-01-27	Hold	Sell	Акции Affirm показывают негативную динамику на коротких временных интервалах, что указывает на возможные проблемы с ростом. Отсутствие данных по EPS и выручке также создает дополнительные риски для инвесторов.
2026-01-23	Sell	Hold	Компания Affirm демонстрирует умеренный рост за последние 120 дней, однако недавние колебания цен и отсутствие данных по EPS и выручке вызывают опасения. Рекомендуется удерживать акции до получения более ясной картины фи
2026-01-21	Hold	Sell	Компания Affirm демонстрирует негативные тренды в краткосрочной перспективе, а также отсутствуют ключевые финансовые показатели, что увеличивает риски для инвесторов.

Analyst forecasts

Date	Analyst	Action	Target	Price Then
2026-10-26	Monness	Update	— → 90	70.08
2026-10-13	Goldman Sachs	Target Lowered	115 → 103	78.63
2026-09-16	Needham	Update	— → 85	72.09
2026-09-14	Wolfe Research	Rating Upgraded	— → 90	71.44
2026-09-08	Loop Capital Markets	Update	— → 105	72.08
2026-09-02	Scotiabank	Update	— → 95	69.94
2026-08-31	Cantor Fitzgerald	Target Raised	— → 97	74.53
2026-08-31	Goldman Sachs	Target Raised	106 → 115	72.7679
2026-08-31	Bernstein	Target Raised	100 → 110	77.76
2026-08-28	Cantor Fitzgerald	Update	— → 88	83.32
2026-08-28	Susquehanna	Target Raised	105 → 110	84.86
2026-08-28	BMO Capital	Target Raised	86 → 101	85.3
2026-08-28	Oppenheimer	Target Raised	100 → 104	77.49
2026-08-28	RBC Capital	Target Raised	— → 96	83.237
2026-08-28	Piper Sandler	Target Raised	103 → 115	77.49
2026-08-28	UBS	Target Raised	— → 90	77.49
2026-08-28	Morgan Stanley	Target Raised	80 → 82	77.49
2026-08-24	Oppenheimer	Target Raised	87 → 100	77.03
2026-08-12	BMO Capital	Target Raised	78 → 86	76.705
2026-07-24	Truist Financial	Target Raised	80 → 83	71.21
2026-07-21	Bernstein	Update	— → 100	74.72
2026-07-17	Compass Point	Target Raised	— → 100	79.84
2026-07-14	Robert W. Baird	Target Raised	70 → 82	81.93
2026-07-09	Goldman Sachs	Target Raised	90 → 106	81.28
2026-07-08	Barclays	Update	— → 97	83.62
2026-06-29	Piper Sandler	Update	— → 103	81.79
2026-06-25	Susquehanna	Target Raised	100 → 105	77.66
2026-05-10	Morgan Stanley	Target Raised	76 → 79	64.01
2026-05-08	Oppenheimer	Target Raised	83 → 87	65.87
2026-05-08	Robert W. Baird	Target Raised	55 → 70	66.1974
2026-05-08	Stephens	Target Raised	55 → 75	67.93
2026-04-24	Truist Financial	Target Raised	71 → 75	62.84
2026-04-21	BMO Capital	Update	— → 75	64.6
2026-02-20	Truist Financial	Target Lowered	85 → 71	51.69
2026-02-19	Robert W. Baird	Update	— → 55	51.82
2026-02-18	Compass Point	Target Raised	— → 68	52.0608
2026-02-09	Mizuho Securities	Target Lowered	114 → 95	57.03
2026-02-06	RBC Capital	Target Lowered	87 → 77	56.99
2026-02-06	Oppenheimer	Target Lowered	95 → 83	56.68
2026-02-06	Susquehanna	Target Lowered	105 → 100	59.42
2026-02-06	Goldman Sachs	Target Lowered	96 → 83	59.42

News Page 1 of 1

Analysts Evercore ISI raised Netflix (NFLX) target price to $110 on positive survey results and reiterated Outperform rating

09/14/2026, 05:36 AM investing rating_growth Analysts: analysts, Evercore ISI media General Electric Allegiant Travel Company Affirm Holdings Honeywell Nvidia Valvoline Netflix Apple Broadcom

Several Wall Street firms have made significant analyst calls, including upgrades and downgrades for major companies like Netflix, Apple, and Allegiant, which could influence investor sentiment and stock performance in the near term.

Analysts Wolfe Research upgraded Affirm Holdings (AFRM) to Outperform with a target price of $90, indicating upside of 26%

09/14/2026, 04:36 AM investing rating_growth Analysts: analysts, Wolfe Research finance Affirm Holdings

Wolfe Research has upgraded Affirm Holdings to 'outperform,' suggesting that the recent decline in its stock price presents a buying opportunity for investors, with a price target of $90 indicating a potential 26% upside.

Analysts Loop Capital initiated coverage of Affirm (AFRM) with a buy rating and $105 target price, indicating a potential upside of 45%

09/09/2026, 04:36 AM investing rating_growth Analysts: analysts, Loop Capital finance Affirm Holdings

Loop Capital has initiated coverage of Affirm with a buy rating and a price target of $105, suggesting a potential 45% upside, highlighting the company's growth potential in the consumer fintech sector.

Jim Cramer Advises Investors to Diversify Beyond AI Stocks, Highlighting Opportunities in Aerospace, Fintech, Healthcare, and Energy

09/08/2026, 03:37 PM economy research finance healthcare Enbridge Affirm Holdings Boeing Robinhood Enterprise Products Partners Medtronic Amgen

Jim Cramer advises investors to diversify their portfolios beyond the heavily concentrated artificial intelligence sector, highlighting several alternative investment opportunities across various industries.

Affirm Holdings (AFRM) Stock Rises 7% Following Strong Q4 Earnings and Positive Revenue Outlook

08/28/2026, 08:38 AM economy forecast finance Affirm Holdings

Affirm Holdings experienced a 7% stock increase following strong fiscal fourth-quarter earnings, highlighting the impact of high gas prices on consumer behavior and the company's outlook.

Analysts Bank of America raised Affirm (AFRM) target price to $104 following earnings report

08/28/2026, 05:37 AM investing rating_growth Analysts: analysts, Bank of America Baozun TeraWulf (WULF) SpaceX Amazon Marvell Technology Affirm Holdings Nvidia Tesla Moderna

Several Wall Street firms have made significant calls on various companies, indicating potential investment opportunities and shifts in market sentiment. Notably, upgrades and reiterations from firms like Stifel, Bank of America, and CLSA highlight companies with promising growth prospects and favorable valuations.

Analysts Bank of America raised Affirm Holdings (AFRM) target price to $104, expecting 34% upside despite modest growth outlook

08/28/2026, 05:37 AM investing rating_growth Analysts: analysts, Bank of America finance Affirm Holdings

Bank of America maintains a buy rating on Affirm Holdings, raising its price target to $104, indicating a potential 34% upside despite the company's modest growth forecast. This outlook is supported by Affirm's strong fiscal fourth-quarter results and several growth catalysts.

Stocks to Watch: PayPal Shares Plunge 16% as Advent and Stripe Abandon Buyout Plans; Affirm Holdings Rises 13% on Strong Revenue

08/28/2026, 05:37 AM business review PayPal Marvell Technology Affirm Holdings Gap Autodesk Elastic

Premarket trading saw significant movements in several companies, with PayPal's shares plummeting nearly 16% after a potential buyout fell through, while Affirm and Gap experienced notable gains following strong earnings reports and leadership changes.

Analysts Bernstein Initiate Coverage of Affirm Holdings (AFRM) with Outperform Rating and $100 Price Target, Expecting 34% Upside

07/22/2026, 05:35 AM investing rating_growth Analysts: analysts, Bernstein finance Affirm Holdings

Bernstein has initiated coverage of Affirm Holdings with an outperform rating and a price target of $100 per share, highlighting significant growth potential in the buy now, pay later market.

Analysts Keefe, Bruyette & Woods suggest Rocket Companies (RKT) and Affirm Holdings (AFRM) could be added to the S&P 500

07/13/2026, 07:38 AM investing forecast Analysts: analysts finance Affirm Holdings Rocket Companies

Analysts at Keefe, Bruyette & Woods have identified Rocket Companies and Affirm Holdings as potential candidates for inclusion in the S&P 500 Index, which could significantly impact their stock demand and market positioning.