TICKERNERD
Menu
AFRMAFRMFinancial Services · Credit Services

AFRM Stock Forecast: Affirm Holdings, Inc. Price Predictions for 2026-2027

Last close, 3 Aug 2026
$76
+5.76% on the day

The 34 Wall Street analysts covering Affirm Holdings, Inc. hold a median 12-month price target of $90 — +19.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 45 of 100 as at 1 Aug 2026 — in the lower half.

Market cap
$23.9B
Ticker Nerd rank
45 / 100
Median analyst target
$90
Analysts covering
34
Total return, dividends reinvested
1W
+3.5%
1M
−10.6%
YTD
+1.6%
1Y
+13.9%
From 52W high
−18.0%
From 52W low
+77.8%
$43
$92
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

AFRM stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Affirm Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 1 Aug 2026
45 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
94
Quality
86
Growth
83
Momentum
61
Value
29
Volatility
22
Issuance
16
Accruals
14
Size
9

Revisions (94): Analysts have, on balance, been raising their forecasts.

Accruals (14): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Size (9): Larger than most of the companies we track — more scrutinised, less often mispriced.

The rank is the raw material. Whether the rules would actually own Affirm Holdings, Inc. — and when they’d sell — is the membership.

Wall Street

AFRM stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on AFRM, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$40$60$80$100$120Oct 25Jan 26Apr 26Jul 26AFRMHigh $117Median $90Low $55

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

What Wall Street says34 analysts
25 Buy9 Hold0 Sell
Low $55Median $90High $117

The green dot is the last close — the median target sits +19.0% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 7 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
24 July 2026Truist SecuritiesMaintainsBuy$80 → $83
22 July 2026BernsteinInitiatesOutperform$100
22 July 2026Cantor FitzgeraldMaintainsOverweight$80 → $88
14 July 2026BairdMaintainsNeutral$70 → $82
14 July 2026BairdMaintainsNeutral—
9 July 2026Goldman SachsMaintainsBuy$90 → $106
9 July 2026Goldman SachsMaintainsBuy—
8 July 2026BarclaysInitiatesOverweight—
8 July 2026BarclaysInitiatesOverweight$97
8 July 2026JP MorganMaintainsOverweight—
8 July 2026JP MorganMaintainsOverweight$80 → $90
8 July 2026Wells FargoMaintainsOverweight—
8 July 2026Wells FargoMaintainsOverweight$89 → $96
7 July 2026TD CowenMaintainsBuy—
7 July 2026TD CowenMaintainsBuy$90 → $117
1 July 2026CitigroupMaintainsBuy—
30 June 2026Piper SandlerInitiatesOverweight—
25 June 2026Deutsche BankMaintainsBuy—
25 June 2026Morgan StanleyDowngradeEqual-Weight—
25 June 2026SusquehannaMaintainsPositive—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Estimates

AFRM analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Fundamentals

Affirm Holdings, Inc. (AFRM) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
65.0×

Cheaper than 12% of US stocks

Price / sales
6.0×

Cheaper than 21% of US stocks

Price / book
6.3×

Cheaper than 16% of US stocks

EV / EBITDA
49.5×

Cheaper than 5% of US stocks

Growth & margins
Revenue growth (YoY)
32.6%

Higher than 81% of US stocks

Earnings growth (YoY)
3569.8%

Higher than 99% of US stocks

Gross margin
65.9%

Higher than 80% of US stocks

Operating margin
8.5%

Higher than 64% of US stocks

Net margin
9.6%

Higher than 69% of US stocks

Returns & dividend
Return on equity
11.5%

Higher than 68% of US stocks

Return on assets
1.7%

Higher than 57% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Peers

AFRM vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
AFRMAffirm Holdings, Inc.$23.9B
45
SYFSynchrony Financial$24.7B
76
SOFISoFi Technologies, Inc.$20.6B
38
ALLYAlly Financial, Inc.$13.2B
68
PYPLPayPal Holdings, Inc.$51.5B
70
FCFSFirstCash Holdings, Inc.$9.0B
79
OMFOneMain Holdings, Inc.$7.4B
72
Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. AFRM appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

News

Latest AFRM news & analysis

Are Rate Cuts a Bigger Risk or Reward for Affirm?

The Motley Fool · 30 July 2026neutral

The Motley Fool reports ongoing debate about interest rate policy, with the Federal Reserve focused on raising rates to combat inflation while Donald Trump continues to advocate for rate cuts. The piece examines whether rate cuts would present a bigger risk or reward for Affirm.

Why it matters — Affirm's business is sensitive to interest rate changes, so any shift in rate policy could significantly impact its lending operations and profitability.

Best Growth Stocks to Buy for July 28th

Zacks Investment Research · 28 July 2026positive

Zacks Investment Research added AFRM to its Zacks Rank #1 (Strong Buy) growth stocks list on July 28, 2026, alongside ASAN and CRDO.

Why it matters — Inclusion on Zacks' top-ranked growth stocks list signals a positive assessment from a major independent research firm.

Is Affirm Holdings (AFRM) a Buy as Wall Street Analysts Look Optimistic?

Zacks Investment Research · 28 July 2026neutral

The article examines how Wall Street analysts' recommendations influence investor decisions and stock prices, noting that media coverage of rating changes often moves a stock's price.

Why it matters — AFRM watchers would care because analyst sentiment and rating changes can directly affect the stock's price.

FAQ

Frequently asked questions about AFRM stock

What is the AFRM stock price forecast for 2026-2027?

The 34 Wall Street analysts covering Affirm Holdings, Inc. have a median 12-month price target of $90, with estimates ranging from $55 to $117. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is AFRM stock a buy right now?

Of the 34 analysts covering Affirm Holdings, Inc., 25 rate it a Buy, 9 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Affirm Holdings, Inc. 45 out of 100 across roughly 4,600 US stocks as at 1 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank AFRM?

As at 1 Aug 2026, Affirm Holdings, Inc. ranks 45 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (94 of 100).

Will AFRM stock go up?

No one can know that. What the data says: the median 12-month target from 34 analysts implies +19.0% from the last close, and Ticker Nerd's factor model ranks Affirm Holdings, Inc. 45 out of 100 as at 1 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the AFRM stock forecast for 2030?

No analyst covering Affirm Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for AFRM are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $55 to $117 over the next 12 months.

How has AFRM stock performed over the past year?

Affirm Holdings, Inc. returned +13.9% over the 12 months to 3 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Affirm Holdings, Inc. do?

Affirm Holdings, Inc. is a financial technology company specializing in point-of-sale consumer lending and digital payments.

What is the latest news on AFRM?

The most recent item we track (The Motley Fool, 30 July 2026): "Are Rate Cuts a Bigger Risk or Reward for Affirm?". The Motley Fool reports ongoing debate about interest rate policy, with the Federal Reserve focused on raising rates to combat inflation while Donald Trump continues to advocate for rate cuts. The piece examines whether rate cuts would present a bigger risk or reward for Affirm.

Company

About Affirm Holdings, Inc.

Affirm Holdings, Inc. is a financial technology company specializing in point-of-sale consumer lending and digital payments. Headquartered in San Francisco, California, it operates a modern payment network that provides a transparent alternative to traditional credit cards and other legacy payment methods. Affirm’s platform centers on buy now, pay later solutions, allowing shoppers to split purchases into fixed installment plans, often directly embedded into online and in-store checkouts. The company serves both consumers and merchants through three core components: point-of-sale payment options, merchant commerce solutions, and a consumer-focused app. Consumers access financing and payment flexibility via the Affirm app, website, and Affirm Card, which can be used to pay in full or over time, including converting eligible debit transactions into installments. Merchants across sectors such as retail, travel, consumer electronics, and home goods use Affirm to enhance conversion, basket size, and customer engagement, supported by tools like checkout integrations, dashboards, analytics, and promotions capabilities. Affirm participates in capital markets through structures such as asset-backed securitizations, loan sales, and warehouse facilities to fund its lending activities.

CEO Mr. Max Roth Levchin · 2,206 employees · United States · https://www.affirm.com