AFRMFinancial Services · Credit ServicesThe 34 Wall Street analysts covering Affirm Holdings, Inc. hold a median 12-month price target of $100 — +33.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 52 of 100 as at 6 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 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 +33.5% from it.
Of the 20 most recent actions, 5 moved their price target up and 0 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 1 Oct 2026 | Freedom Capital Markets | Maintains | Buy | $105 |
| 16 Sept 2026 | Citizens | Reiterates | Market Outperform | $85 |
| 16 Sept 2026 | Citizens | Reiterates | Market Outperform | — |
| 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 | $83 → $85 |
| 3 Sept 2026 | Truist Securities | Maintains | Buy | — |
| 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 | — |
| 31 Aug 2026 | Cantor Fitzgerald | Maintains | Overweight | $88 → $97 |
| 31 Aug 2026 | Cantor Fitzgerald | Maintains | Overweight | — |
| 31 Aug 2026 | Goldman Sachs | Maintains | Buy | — |
| 31 Aug 2026 | Goldman Sachs | Maintains | Buy | $106 → $115 |
| 28 Aug 2026 | B of A Securities | Maintains | Buy | — |
| 28 Aug 2026 | B of A Securities | Maintains | Buy | $93 → $104 |
| 28 Aug 2026 | Barclays | Maintains | Overweight | — |
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 6 Oct 2026, Affirm Holdings, Inc. returned −1.3% against +17.3% 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 22% of US stocks
Cheaper than 23% of US stocks
Cheaper than 6% 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 $23.9B and an enterprise value of $32.2B.
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: 12.8×; forward P/E: 14.7× — 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 →
Antom, Ant International’s merchant payment platform, will offer Affirm at checkout to its US merchants this month. Eligible customers can choose customized biweekly or monthly payment plans.
Why it matters — The partnership expands the availability of Affirm’s pay-over-time option across Antom’s US merchant network.
Affirm Holdings announced it will publish its first quarter fiscal year 2027 financial results and shareholder letter on its investor relations website after market close on Thursday, November 5, 2026, followed by a conference call and webcast at 2:00pm PT hosted by CEO Max Levchin, President Michael Linford, and others.
Why it matters — This announcement informs AFRM watchers of the scheduled date and logistics for the company's next quarterly earnings release and investor call.
Affirm Holdings rose about 5% alongside other buy now pay later lenders, including Klarna and PayPal, in a group-wide rally while the broader financials sector remained nearly flat. Affirm stock was trading at $74 during the move.
Why it matters — A coordinated rally among buy now pay later companies suggests investors are taking a more favorable view of the sector, which could be relevant to Affirm's near-term momentum.
Zacks Investment Research examines whether Affirm Holdings (AFRM) is worth investing in based on Wall Street's bullish analyst views, exploring how sell-side analyst recommendations and rating changes can influence the stock's price. The article discusses the importance of these brokerage-firm-employed analyst reports for investors deciding whether to buy, sell, or hold the stock.
Why it matters — AFRM watchers would care because analyst recommendations and rating changes can influence the stock's price, making Wall Street's bullish sentiment directly relevant to investment decisions.
Affirm Holdings has drawn significant attention from Zacks.com users recently, prompting a review of the facts that could affect the stock's prospects. The piece highlights that investors should be aware of key developments surrounding the company.
Why it matters — AFRM watchers would care because heightened investor interest and a review of key facts could signal factors worth monitoring for the company's outlook.
The 34 Wall Street analysts covering Affirm Holdings, Inc. have a median 12-month price target of $100, with estimates ranging from $66 to $124. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 34 analysts covering Affirm Holdings, Inc., 27 rate it a Buy, 7 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Affirm Holdings, Inc. 52 out of 100 across roughly 4,600 US stocks as at 6 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 6 Oct 2026, Affirm Holdings, Inc. ranks 52 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 34 analysts implies +33.5% from the last close, and Ticker Nerd's factor model ranks Affirm Holdings, Inc. 52 out of 100 as at 6 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 $124 over the next 12 months.
Affirm Holdings, Inc. returned -1.3% over the 12 months to 6 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Affirm Holdings, Inc. is a financial technology company that provides consumer payment and merchant commerce solutions.
The most recent item we track (Business Wire, 6 Oct 2026): "Affirm partners with Ant International's Antom to bring pay-over-time to US customers". Antom, Ant International’s merchant payment platform, will offer Affirm at checkout to its US merchants this month. Eligible customers can choose customized biweekly or monthly payment plans.
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
