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AFRM Stock Forecast 2025-2026
$62.06
Current Price
$19.90B
Market Cap
Buy 18
Hold 8
Sell 0
Wall St Analyst Ratings
Distance to AFRM Price Targets
+33.7%
To High Target of $83.00
+8.0%
To Median Target of $67.00
-9.8%
To Low Target of $56.00
AFRM Price Momentum
+5.0%
1 Week Change
+31.4%
1 Month Change
+107.8%
1 Year Change
+1.9%
Year-to-Date Change
-24.8%
From 52W High of $82.53
+178.9%
From 52W Low of $22.25
📊 TOP ANALYST CALLS
Did AFRM Make This Month's Elite Buy List?
We don't follow just any analyst — only the top 3% with a proven track record make our cut. See if Affirm is one of their latest high-conviction picks.
Latest AFRM Stock Price Targets & Analyst Predictions
Based on our analysis of 31 Wall Street analysts, AFRM has a bullish consensus with a median price target of $67.00 (ranging from $56.00 to $83.00). The overall analyst rating is Strong Buy (8.3/10). Currently trading at $62.06, the median forecast implies a 8.0% upside. This outlook is supported by 18 Buy, 8 Hold, and 0 Sell ratings.
Conversely, the most conservative target is provided by Timothy Chiodo at UBS, suggesting a 9.8% downside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
AFRM Analyst Ratings
18
Buy
8
Hold
0
Sell
AFRM Price Target Range
Low
$56.00
Average
$67.00
High
$83.00
Current: $62.06
Latest AFRM Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for AFRM.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Jun 9, 2025 | Barclays | Ramsey El-Assal | Overweight | Maintains | $67.00 |
| Jun 5, 2025 | RBC Capital | Daniel Perlin | Sector Perform | Reiterates | $70.00 |
| Jun 2, 2025 | Truist Securities | Matthew Coad | Buy | Initiates | $58.00 |
| May 12, 2025 | Barclays | Ramsey El-Assal | Overweight | Maintains | $53.00 |
| May 12, 2025 | Goldman Sachs | Will Nance | Buy | Maintains | $58.00 |
| May 9, 2025 | UBS | Timothy Chiodo | Neutral | Maintains | $56.00 |
| May 9, 2025 | B of A Securities | Jason Kupferberg | Buy | Maintains | $80.00 |
| May 9, 2025 | JMP Securities | David Scharf | Market Outperform | Maintains | $75.00 |
| May 9, 2025 | JP Morgan | Reginald Smith | Overweight | Maintains | $69.00 |
| May 6, 2025 | Morgan Stanley | James Faucette | Equal-Weight | Maintains | $60.00 |
| Apr 9, 2025 | Wells Fargo | Andrew Bauch | Overweight | Maintains | $67.00 |
| Apr 9, 2025 | Evercore ISI Group | Outperform | Initiates | $50.00 | |
| Apr 8, 2025 | TD Cowen | Moshe Orenbuch | Buy | Initiates | $50.00 |
| Mar 24, 2025 | Seaport Global | Jeff Cantwell | Neutral | Initiates | $0.00 |
| Mar 20, 2025 | BMO Capital | Rufus Hone | Outperform | Reinstates | $69.00 |
| Mar 19, 2025 | Compass Point | Giuliano Bologna | Buy | Upgrade | $64.00 |
| Mar 18, 2025 | Goldman Sachs | Will Nance | Buy | Maintains | $56.00 |
| Mar 17, 2025 | Goldman Sachs | Will Nance | Buy | Maintains | $50.00 |
| Feb 10, 2025 | Goldman Sachs | Will Nance | Buy | Maintains | $90.00 |
| Feb 10, 2025 | Barclays | Ramsey El-Assal | Overweight | Maintains | $85.00 |
Affirm Holdings Inc. (AFRM) Competitors
The following stocks are similar to Affirm based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
AFRM
Affirm
mkt cap
19.07B
Affirm Holdings Inc. (AFRM) Financial Data
Affirm Holdings Inc. has a market capitalization of $19.90B with a P/E ratio of -37.1x. The company generates $3.01B in trailing twelve-month revenue with a -2.1% profit margin.
Revenue growth is +35.9% quarter-over-quarter, while maintaining an operating margin of -1.1% and return on equity of -2.3%.
Valuation Metrics
Market Cap
$19.90B
Enterprise Value
$25.90B
P/E Ratio
-37.1x
PEG Ratio
131.2x
Price/Sales
6.6x
Growth & Margins
Revenue Growth (YoY)
+35.9%
Gross Margin
+65.4%
Operating Margin
-1.1%
Net Margin
-2.1%
EPS Growth
+35.9%
Financial Health
Cash/Price Ratio
+6.8%
Current Ratio
13.5x
Debt/Equity
255.9x
ROE
-2.3%
ROA
-1.4%
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Affirm Holdings Inc. (AFRM) Business Model
About Affirm Holdings Inc.
What They Do
Provides flexible installment loans for purchases.
Business Model
The company generates revenue by offering consumers installment loans at the point of sale, allowing them to finance purchases through manageable payments. Affirm partners with numerous retailers to enhance the purchasing experience, facilitating increased conversion rates and customer satisfaction for those retailers.
Additional Information
Founded in 2012 and based in San Francisco, Affirm utilizes advanced data analytics for rapid credit checks and loan approvals. As a leader in the 'buy now, pay later' market, it significantly impacts consumer spending across various sectors, including retail, travel, wellness, and automotive services.
Company Information
Sector
Technology
Industry
Software - Infrastructure
Employees
2,006
CEO
Mr. Max Roth Levchin
Country
United States
IPO Year
2021
Website
www.affirm.comAffirm Holdings Inc. (AFRM) Latest News & Analysis
Featured Analysis
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Zacks Investment Research
Will PGIM's $3B Facility Help Affirm Scale its BNPL Offerings Fast?
AFRM's pass-through loan facility from PGIM can boost its BNPL growth while reducing funding risks and costs.
Jun 19, 2025
By Kaibalya Pravo Dey
Analyst Blog
Affirm Raises Fiscal 2025 Guidance: A Signal for Sustainable Growth?
AFRM lifts fiscal 2025 guidance after strong Q3 results, with GMV and repeat customers driving revenue and margin growth.
Jun 18, 2025
By Zacks Equity Research
Analyst Blog
Affirm's Active Merchants Rise: A Strategic Advantage in BNPL Space?
AFRM's merchant count hits 358K with strong GMV growth and global expansion fueling its BNPL momentum.
Jun 12, 2025
By Zacks Equity Research
Analyst Blog
Latest News
Quick Summary
Affirm launched a revolving loan sale facility with PGIM Fixed Income, allowing up to $3 billion investment over 36 months, purchasing up to $500 million of Affirm loans at once.
Why It Matters
Affirm's $3 billion loan facility enhances liquidity and growth potential, indicating strong investor confidence, which could positively impact stock performance and market perception.
Source: PYMNTS
Market Sentiment:
Positive
Quick Summary
AFRM raises fiscal 2025 guidance following strong Q3 performance, fueled by growth in GMV and repeat customers, positively impacting revenue and margins.
Why It Matters
AFRM's raised fiscal 2025 guidance signals strong growth potential, driven by increased GMV and repeat customers, which may enhance investor confidence and stock performance.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Concerned stockholders of Ionic Digital Inc. announced new nominations for board seats after a court ruling on fiduciary duties. The annual meeting is set for July 2, 2025. More details at ionicvote.com.
Why It Matters
The letter highlights governance issues at Ionic Digital, signaling potential instability. Changes in leadership could impact company direction and performance, affecting stock valuation.
Source: GlobeNewsWire
Market Sentiment:
Neutral
Quick Summary
AFRM secures a pass-through loan facility from PGIM, enhancing its BNPL growth potential and lowering funding risks and costs.
Why It Matters
AFRM's loan facility from PGIM enhances its Buy Now, Pay Later growth potential, lowers funding risks, and cuts costs, which could positively impact profitability and investor confidence.
Source: Zacks Investment Research
Market Sentiment:
Neutral
Quick Summary
Nonbank lenders, including Affirm, are securing large financing partners to maintain lending capacity during potential public debt market disruptions.
Why It Matters
Affirm's strategy to secure diverse financing partners enhances its resilience against market volatility, potentially stabilizing its operations and attractiveness to investors.
Source: WSJ
Market Sentiment:
Positive
Quick Summary
Affirm and PGIM Fixed Income announced a capital partnership expansion, launching a $3 billion revolving loan facility to purchase up to $500 million of Affirm's loans over 36 months.
Why It Matters
The partnership between Affirm and PGIM Fixed Income signals strong investor confidence and potential growth in Affirm’s lending capacity, which could enhance its market position and financial performance.
Source: Business Wire
Market Sentiment:
Neutral
Frequently Asked Questions About AFRM Stock
What is Affirm Holdings Inc.'s (AFRM) stock forecast for 2025?
Based on our analysis of 31 Wall Street analysts, Affirm Holdings Inc. (AFRM) has a median price target of $67.00. The highest price target is $83.00 and the lowest is $56.00.
Is AFRM stock a good investment in 2025?
According to current analyst ratings, AFRM has 18 Buy ratings, 8 Hold ratings, and 0 Sell ratings. The stock is currently trading at $62.06. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for AFRM stock?
Wall Street analysts predict AFRM stock could reach $67.00 in the next 12 months. This represents a 8.0% increase from the current price of $62.06. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Affirm Holdings Inc.'s business model?
The company generates revenue by offering consumers installment loans at the point of sale, allowing them to finance purchases through manageable payments. Affirm partners with numerous retailers to enhance the purchasing experience, facilitating increased conversion rates and customer satisfaction for those retailers.
What is the highest forecasted price for AFRM Affirm Holdings Inc.?
The highest price target for AFRM is $83.00 from at , which represents a 33.7% increase from the current price of $62.06.
What is the lowest forecasted price for AFRM Affirm Holdings Inc.?
The lowest price target for AFRM is $56.00 from Timothy Chiodo at UBS, which represents a -9.8% decrease from the current price of $62.06.
What is the overall AFRM consensus from analysts for Affirm Holdings Inc.?
The overall analyst consensus for AFRM is bullish. Out of 31 Wall Street analysts, 18 rate it as Buy, 8 as Hold, and 0 as Sell, with a median price target of $67.00.
How accurate are AFRM stock price projections?
Stock price projections, including those for Affirm Holdings Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: June 21, 2025 5:16 AM UTC