AFRMFinancial Services · Credit ServicesThe 35 Wall Street analysts covering Affirm Holdings, Inc. hold a median 12-month price target of $100 — +36.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 54 of 100 as at 27 Oct 2026 — in the upper half.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Quality (100): The business earns solid, repeatable profits on what it owns.
Accruals (12): 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.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on AFRM, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +36.4% from it.
Of the 20 most recent actions, 3 moved their price target up and 3 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 26 Oct 2026 | Morgan Stanley | Maintains | Equal-Weight | $82 → $79 |
| 23 Oct 2026 | Truist Securities | Maintains | Buy | $85 → $88 |
| 13 Oct 2026 | Goldman Sachs | Maintains | Buy | $115 → $103 |
| 13 Oct 2026 | Goldman Sachs | Maintains | Buy | — |
| 6 Oct 2026 | TD Cowen | Maintains | Buy | $124 → $110 |
| 6 Oct 2026 | TD Cowen | Maintains | Buy | — |
| 1 Oct 2026 | Freedom Capital Markets | Maintains | Buy | $105 |
| 1 Oct 2026 | Freedom Capital Markets | Maintains | Buy | — |
| 16 Sept 2026 | Citizens | Reiterates | Market Outperform | — |
| 16 Sept 2026 | Citizens | Reiterates | Market Outperform | $85 |
| 14 Sept 2026 | Wolfe Research | Upgrade | Outperform | $90 |
| 14 Sept 2026 | Wolfe Research | Upgrade | Outperform | — |
| 9 Sept 2026 | Loop Capital | Initiates | Buy | — |
| 9 Sept 2026 | Loop Capital | Initiates | Buy | $105 |
| 3 Sept 2026 | Truist Securities | Maintains | Buy | — |
| 3 Sept 2026 | Truist Securities | Maintains | Buy | $83 → $85 |
| 2 Sept 2026 | Scotiabank | Initiates | Sector Outperform | — |
| 2 Sept 2026 | Scotiabank | Initiates | Sector Outperform | $95 |
| 31 Aug 2026 | Bernstein | Maintains | Outperform | $100 → $110 |
| 31 Aug 2026 | Bernstein | Maintains | Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
AFRM appears in the Radar on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 28 Oct 2026, Affirm Holdings, Inc. returned −3.4% against +13.6% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 51% of US stocks
Cheaper than 21% of US stocks
Cheaper than 22% of US stocks
Cheaper than 5% of US stocks
Higher than 79% of US stocks
Higher than 99% of US stocks
Higher than 82% of US stocks
Higher than 69% of US stocks
Higher than 95% of US stocks
Higher than 92% of US stocks
Higher than 58% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Affirm Holdings, Inc. has a market value of $24.5B and an enterprise value of $32.8B.
Revenue in the twelve months to 30 June 2026: $4.3B. The latest quarter grew 33.0% year on year.
Net income over the same four quarters: $1.9B, a 45.3% net margin.
Diluted earnings per share, trailing twelve months: $5.52.
Free cash flow in the twelve months to 30 June 2026: $992.6M.
Trailing P/E: 12.9×; forward P/E: 14.3× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Affirm Holdings, Inc. employs 2,358 people — $1.8M of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Affirm Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Zacks Investment Research says Affirm (AFRM), alongside MDB and ESTC, is benefiting from high demand for AI-infused software and autonomous AI agents.
Why it matters — The item connects AFRM with industry demand for AI-infused software and autonomous AI agents.
Zacks Investment Research included AFRM in its Zacks Rank #1 (Strong Buy) momentum stocks list for October 28, 2026, alongside OVV and E.
Why it matters — AFRM watchers may note the stock’s inclusion in Zacks’ momentum-stock list.
Affirm Holdings (AFRM) was added to the Zacks Rank #1 (Strong Buy) List on October 28, 2026, alongside WDC, OVV, E, and DEO.
Why it matters — AFRM watchers may note that the company was included in Zacks’ top-ranked list on that date.
Affirm Holdings (AFRM) has recently received considerable attention from Zacks.com users. The item says investors should be aware of facts that could affect the company’s stock prospects.
Why it matters — AFRM watchers may note the increased user attention and the article’s focus on factors that could affect the stock’s prospects.
Affirm announced that executives will participate in upcoming investor conferences, including Citi’s 15th Annual FinTech Conference on November 9, 2026. The excerpt also lists participation on December 1 and 2, 2026, but cuts off before providing the conference details.
Why it matters — The announcement gives AFRM watchers information about scheduled opportunities for investors to hear from company executives.
The 35 Wall Street analysts covering Affirm Holdings, Inc. have a median 12-month price target of $100, with estimates ranging from $66 to $115. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 35 analysts covering Affirm Holdings, Inc., 28 rate it a Buy, 7 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Affirm Holdings, Inc. 54 out of 100 across roughly 4,600 US stocks as at 27 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 27 Oct 2026, Affirm Holdings, Inc. ranks 54 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 Quality (100 of 100).
No one can know that. What the data says: the median 12-month target from 35 analysts implies +36.4% from the last close, and Ticker Nerd's factor model ranks Affirm Holdings, Inc. 54 out of 100 as at 27 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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: $66 to $115 over the next 12 months.
Affirm Holdings, Inc. returned -3.4% over the 12 months to 28 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Affirm Holdings, Inc. is a financial technology company that operates a digital commerce platform connecting consumers, merchants, and lending partners.
The most recent item we track (Zacks Investment Research, 28 Oct 2026): "3 Internet Software Stocks to Buy From a Prospering Industry". Zacks Investment Research says Affirm (AFRM), alongside MDB and ESTC, is benefiting from high demand for AI-infused software and autonomous AI agents.
Affirm Holdings, Inc. is a financial technology company that operates a digital commerce platform connecting consumers, merchants, and lending partners. Its services enable shoppers to choose flexible payment options at checkout, including installment-based purchasing, while providing transparent terms and structured repayment arrangements. The company supports merchants through payment processing, promotional financing, customer acquisition tools, and commerce insights designed to integrate with online, mobile, and in-store shopping experiences. Its consumer-focused app helps users discover products, manage payments, review purchasing activity, and access financing options across participating retailers. Affirm Holdings, Inc. serves businesses ranging from direct-to-consumer brands and small merchants to large enterprises and omnichannel retailers. Its merchant network spans categories such as travel, electronics, fashion, beauty, home goods, sporting equipment, automotive, and general merchandise. Headquartered in San Francisco, California, Affirm Holdings, Inc. plays a notable role in modern payment and consumer finance markets by embedding lending and payment services directly into digital commerce.
CEO Mr. Max Roth Levchin · 2,358 employees · United States · https://www.affirm.com
