AFRMFinancial Services · Credit ServicesThe 34 Wall Street analysts covering Affirm Holdings, Inc. hold a median 12-month price target of $90 — +17.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 39 of 100 as at 22 Aug 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.
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 (87): The business earns solid, repeatable profits on what it owns.
Accruals (13): 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.
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 +17.0% from it.
Of the 20 most recent actions, 8 moved their price target up and 0 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 12 Aug 2026 | BMO Capital | Maintains | Outperform | $78 → $86 |
| 24 July 2026 | Truist Securities | Maintains | Buy | — |
| 24 July 2026 | Truist Securities | Maintains | Buy | $80 → $83 |
| 22 July 2026 | Bernstein | Initiates | Outperform | — |
| 22 July 2026 | Bernstein | Initiates | Outperform | $100 |
| 22 July 2026 | Cantor Fitzgerald | Maintains | Overweight | $80 → $88 |
| 22 July 2026 | Cantor Fitzgerald | Maintains | Overweight | — |
| 14 July 2026 | Baird | Maintains | Neutral | $70 → $82 |
| 14 July 2026 | Baird | Maintains | Neutral | — |
| 9 July 2026 | Goldman Sachs | Maintains | Buy | — |
| 9 July 2026 | Goldman Sachs | Maintains | Buy | $90 → $106 |
| 8 July 2026 | Barclays | Initiates | Overweight | — |
| 8 July 2026 | Barclays | Initiates | Overweight | $97 |
| 8 July 2026 | JP Morgan | Maintains | Overweight | $80 → $90 |
| 8 July 2026 | JP Morgan | Maintains | Overweight | — |
| 8 July 2026 | Wells Fargo | Maintains | Overweight | — |
| 8 July 2026 | Wells Fargo | Maintains | Overweight | $89 → $96 |
| 7 July 2026 | TD Cowen | Maintains | Buy | — |
| 7 July 2026 | TD Cowen | Maintains | Buy | $90 → $117 |
| 1 July 2026 | Citigroup | Maintains | Buy | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
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.
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 10% of US stocks
Cheaper than 21% of US stocks
Cheaper than 16% of US stocks
Cheaper than 5% of US stocks
Higher than 80% of US stocks
Higher than 99% of US stocks
Higher than 79% of US stocks
Higher than 61% of US stocks
Higher than 69% of US stocks
Higher than 67% of US stocks
Higher than 57% of US stocks
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 →
Mid-week market focus centers on NVIDIA earnings, which are expected to show 99% earnings growth, and the PCE report, which is forecast to remain elevated at 3.6%.
Why it matters — Macroeconomic signals such as the PCE inflation reading can influence interest-rate expectations, which are relevant to AFRM's consumer-lending business.
Zacks Investment Research published an article advising investors to look beyond top-and-bottom-line estimates for Affirm Holdings (AFRM) and consider key metrics to gain deeper insight into the company's potential performance for the quarter ended June 2026.
Why it matters — The piece offers AFRM watchers a framework for evaluating the company's upcoming quarterly earnings beyond headline forecasts.
The article describes fintech stocks including Affirm ticking up as part of a Friday sympathy trade, alongside larger gains for SoFi and Robinhood. This move is attributed to Bitcoin's breakout pulling capital into retail brokerages and crypto-linked fintech corners.
Why it matters — An AFRM watcher would care because Affirm's share moves may be tied to broader crypto-driven fintech sympathy trading rather than company-specific developments.
Affirm shares slipped 3% while Klarna fell 5%, though PayPal stayed in the green, prompting questions about a possible rotation in buy-now-pay-later (BNPL) stocks. The article suggests a sustained rotation toward established financial companies could leave Affirm and Klarna with more work before their stocks regain momentum.
Why it matters — An AFRM watcher would care because the reported stock slide and the possibility of investor rotation toward more established financial companies point to headwinds for Affirm's near-term stock momentum.
Zacks compares Affirm (AFRM) with Visa (V), concluding that Affirm's faster growth, expanding buy-now-pay-later ecosystem, and lower valuation multiple give it greater upside potential than Visa.
Why it matters — The piece highlights Affirm's competitive positioning and growth prospects relative to a major payments peer, offering AFRM watchers a bullish view of its potential.
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.
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. 39 out of 100 across roughly 4,600 US stocks as at 22 Aug 2026. None of this is personal advice — it does not consider your circumstances.
As at 22 Aug 2026, Affirm Holdings, Inc. ranks 39 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 (87 of 100).
No one can know that. What the data says: the median 12-month target from 34 analysts implies +17.0% from the last close, and Ticker Nerd's factor model ranks Affirm Holdings, Inc. 39 out of 100 as at 22 Aug 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: $55 to $117 over the next 12 months.
Affirm Holdings, Inc. returned -3.2% over the 12 months to 24 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.
Affirm Holdings, Inc. is a financial technology company that provides a digital commerce platform centered on flexible payment solutions.
The most recent item we track (Zacks Investment Research, 24 Aug 2026): "Focus on Mid-Week: NVIDIA Earnings, PCE Report". Mid-week market focus centers on NVIDIA earnings, which are expected to show 99% earnings growth, and the PCE report, which is forecast to remain elevated at 3.6%.
Affirm Holdings, Inc. is a financial technology company that provides a digital commerce platform centered on flexible payment solutions. The company connects consumers and merchants through point-of-sale financing, merchant commerce tools, and a consumer app that supports shopping and payment management in one place. Its platform is used across a broad range of retail categories, including electronics, home goods, travel, fashion, beauty, sporting goods, and automotive products. Affirm Holdings, Inc. serves both online and brick-and-mortar merchants, helping businesses offer alternative payment options within the checkout experience. Based in San Francisco and founded in 2012, the company plays a significant role in the buy now, pay later segment and broader fintech market by facilitating modern payment experiences for consumers and commerce partners.
CEO Mr. Max Roth Levchin · 2,206 employees · United States · https://www.affirm.com