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

Last close, 3 Sept 2026
$74
+0.24% on the day

The 33 Wall Street analysts covering Affirm Holdings, Inc. hold a median 12-month price target of $100 — +34.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 56 of 100 as at 2 Sept 2026 — in the upper half.

Market cap
$23.6B
Ticker Nerd rank
56 / 100
Median analyst target
$100
Analysts covering
33
Revenue$1.0B+32.6% y/y
Operating income$202.2M
Net income$102.9M
Free cash flow$325.1M
Quarterly, 8 quarters to 31 Mar 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−4.2%
1M
−1.8%
YTD
−0.2%
1Y
−12.9%
From 52W high
−19.4%
From 52W low
+74.6%
$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 2 Sept 2026
56 / 100

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
Revisions
93
Growth
91
Momentum
61
Value
43
Volatility
29
Issuance
17
Accruals
12
Size
9

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 quant trader with fourteen years in markets.

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 $124Median $100Low $67

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

What Wall Street says33 analysts
24 Buy9 Hold0 Sell
Low $67Median $100High $124

The green dot is the last close — the median target sits +34.6% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 18 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
31 Aug 2026BernsteinMaintainsOutperform$100 → $110
31 Aug 2026Cantor FitzgeraldMaintainsOverweight$88 → $97
31 Aug 2026Goldman SachsMaintainsBuy$106 → $115
28 Aug 2026B of A SecuritiesMaintainsBuy$93 → $104
28 Aug 2026BarclaysMaintainsOverweight$97 → $105
28 Aug 2026BMO CapitalMaintainsOutperform$86 → $101
28 Aug 2026Cantor FitzgeraldReiteratesOverweight$88
28 Aug 2026JP MorganMaintainsOverweight$90 → $105
28 Aug 2026Morgan StanleyMaintainsEqual-Weight$80 → $82
28 Aug 2026NeedhamMaintainsBuy$90 → $100
28 Aug 2026OppenheimerMaintainsOutperform$100 → $104
28 Aug 2026Piper SandlerMaintainsOverweight$103 → $115
28 Aug 2026RBC CapitalMaintainsSector Perform$80 → $96
28 Aug 2026SusquehannaMaintainsPositive$105 → $110
28 Aug 2026TD CowenMaintainsBuy$117 → $124
28 Aug 2026UBSMaintainsNeutral$82 → $90
26 Aug 2026Morgan StanleyMaintainsEqual-Weight$79 → $80
24 Aug 2026OppenheimerMaintainsOutperform$87 → $100
12 Aug 2026BMO CapitalMaintainsOutperform—
12 Aug 2026BMO CapitalMaintainsOutperform$78 → $86

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

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.

Performance

AFRM vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 3 Sept 2026, Affirm Holdings, Inc. returned −12.9% against +21.4% for the S&P 500, dividends included.

AFRM vs S&P 500, last 12 monthsTotal return, rebased to 100
406080100120Oct 25Jan 26Apr 26Jul 26AFRMS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

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.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+22.6%
Analysts raising
1
Analysts cutting
1
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
12.6×

Cheaper than 52% of US stocks

Price / sales
5.5×

Cheaper than 23% of US stocks

Price / book
4.3×

Cheaper than 25% of US stocks

EV / EBITDA
45.2×

Cheaper than 5% of US stocks

Growth & margins
Revenue growth (YoY)
33.0%

Higher than 80% of US stocks

Earnings growth (YoY)
2234.7%

Higher than 99% of US stocks

Gross margin
65.9%

Higher than 80% of US stocks

Operating margin
12.6%

Higher than 68% of US stocks

Net margin
45.3%

Higher than 95% of US stocks

Returns & dividend
Return on equity
45.1%

Higher than 92% of US stocks

Return on assets
1.9%

Higher than 58% of US stocks

Dividend yield
—

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

Key statistics

Affirm Holdings, Inc. (AFRM) statistics: revenue, profit & scale

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 $23.6B and an enterprise value of $33.4B.

  • Revenue in the twelve months to 31 Mar 2026: $4.0B. The latest quarter grew 33.0% year on year.

  • Net income over the same four quarters: $382.4M, a 9.6% net margin.

  • Diluted earnings per share, trailing twelve months: $1.10.

  • Free cash flow in the twelve months to 31 Mar 2026: $786.9M, after $222.6M of capital spending.

  • Shares outstanding: 334.8M.

  • Trailing P/E: 12.6×; forward P/E: 14.4× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Affirm Holdings, Inc. employs 2,358 people — $1.7M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 31 Mar 2026 · market figures as at 2 Sept 2026

Data provided by Twelve Data

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.$23.6B
56
SYFSynchrony Financial$25.5B
76
SOFISoFi Technologies, Inc.$22.5B
35
ALLYAlly Financial, Inc.$13.0B
71
PYPLPayPal Holdings, Inc.$49.2B
68
FCFSFirstCash Holdings, Inc.$9.7B
73
OMFOneMain Holdings, Inc.$7.4B
74

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 →

News

Latest AFRM news & analysis

Affirm Rallies 6% on $104 Price Target From BofA, Sezzle Climbs 4%, PayPal Rises 3%

24/7 Wall Street · 2 Sept 2026positive

Installment-lending stocks advanced at midday Wednesday as Treasury yields retreated, with Affirm rallying 6% following a $104 price target from Bank of America. The move also helped pull peers higher, with Sezzle rising 4% and PayPal rising 3%.

Why it matters — AFRM watchers would note that the price-target raise and the group's strength alongside falling Treasury yields signal positive market sentiment around Affirm as the sector's largest name.

SoFi Drops 4%, Affirm Falls 5% as Yields Hit Balance-Sheet Lenders, Robinhood Holds Steady

24/7 Wall Street · 1 Sept 2026negative

SoFi shares fell 4% and Affirm fell 5% as rising yields pressured balance-sheet lenders, while Robinhood held steady. The selling was specifically targeted at fintech companies that carry consumer credit on their own balance sheets.

Why it matters — Affirm's decline is tied to its balance-sheet lending model being vulnerable to yield movements, which is relevant news for AFRM watchers assessing market conditions.

Affirm Q4 Earnings Beat on Strong GMV Growth, Rising Card Adoption

Zacks Investment Research · 31 Aug 2026positive

Affirm reported fourth-quarter earnings that beat expectations, driven by 36% growth in gross merchandise volume, rising transaction volumes, and increased card adoption. At the same time, the company saw higher credit losses and expenses.

Why it matters — For Affirm watchers, the beat reflects continued momentum in GMV and card adoption, though rising credit losses and expenses remain factors to monitor.

Affirm Drops 4% as Post-Earnings Rally Unwinds Despite 36% GMV Growth

24/7 Wall Street · 31 Aug 2026negative

Affirm Holdings shares fell 4% on Monday, giving back most of the gains from a post-earnings rally that followed the company's fiscal fourth-quarter report, which featured 36% GMV growth.

Why it matters — The pullback indicates that the initial positive reaction to Affirm's quarterly results is fading, which could signal shifting market sentiment around the stock.

Affirm CEO Sees Greater BNPL Demand as Gas Prices Climb

PYMNTS · 30 Aug 2026neutral

Affirm CEO Max Levchin said on CNBC's "Squawk Box" that higher gas prices are weighing on U.S. consumers, and that Affirm sees greater buy now, pay later demand as a result. He acknowledged that consumers cannot ignore the rising fuel costs.

Why it matters — An AFRM watcher would care because the CEO's comments signal how macro pressures such as gas prices may influence consumer demand for Affirm's buy now, pay later services.

FAQ

Frequently asked questions about AFRM stock

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

The 33 Wall Street analysts covering Affirm Holdings, Inc. have a median 12-month price target of $100, with estimates ranging from $67 to $124. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is AFRM stock a buy right now?

Of the 33 analysts covering Affirm Holdings, Inc., 24 rate it a Buy, 9 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Affirm Holdings, Inc. 56 out of 100 across roughly 4,600 US stocks as at 2 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank AFRM?

As at 2 Sept 2026, Affirm Holdings, Inc. ranks 56 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).

Will AFRM stock go up?

No one can know that. What the data says: the median 12-month target from 33 analysts implies +34.6% from the last close, and Ticker Nerd's factor model ranks Affirm Holdings, Inc. 56 out of 100 as at 2 Sept 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: $67 to $124 over the next 12 months.

How has AFRM stock performed over the past year?

Affirm Holdings, Inc. returned -12.9% over the 12 months to 3 Sept 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 that provides consumer payment and merchant commerce solutions.

What is the latest news on AFRM?

The most recent item we track (24/7 Wall Street, 2 Sept 2026): "Affirm Rallies 6% on $104 Price Target From BofA, Sezzle Climbs 4%, PayPal Rises 3%". Installment-lending stocks advanced at midday Wednesday as Treasury yields retreated, with Affirm rallying 6% following a $104 price target from Bank of America. The move also helped pull peers higher, with Sezzle rising 4% and PayPal rising 3%.

Company

About Affirm Holdings, Inc.

Affirm Holdings, Inc. is a financial technology company that provides consumer payment and merchant commerce solutions. Affirm helps shoppers pay for purchases over time through point-of-sale installment options, including its app, virtual and physical card offerings, and checkout integrations for online and in-store transactions. The company also offers tools that help merchants present flexible payment choices, manage checkout experiences, and support commerce across e-commerce, retail, travel, and other consumer-facing industries. Its platform is designed around transparent repayment terms and a broad payments network that connects consumers, merchants, and partner financial institutions. Headquartered in San Francisco, California, and founded in 2012, Affirm Holdings, Inc. focuses on digital payments, consumer finance, and merchant enablement in the modern commerce market.

CEO Mr. Max Roth Levchin · 2,358 employees · United States · https://www.affirm.com