/AFRM
AFRM Stock - Affirm Holdings, Inc.
Technology|Software - InfrastructureNASDAQ
$75.72-0.88%
$0.67 (-0.88%) • Jan 13
57
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.76
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).80
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.0
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+14.9%upside
Target: $87.00
AI Analysis PreviewPremium
Real-time AI-powered market analysis
Precise entry/exit price targets
Risk assessment & position sizing
Unlock GoAI Insights for AFRM
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Buy/Sell Signals
94% win rate on Alpha signals
Deep Analysis
Institutional-grade thesis
Real-Time Alerts
SMS & push notifications
Risk Scoring
Multi-factor analysis
Free 14-day trial • No credit card required
Active Trade Setup
ENTRY ZONE$74.96 – $76.47
TARGET (TP)$87.00
STOP LOSS$69.66
RISK/REWARD1:1.9
Premium members get real-time SMS alerts
Price Chart
Financial Statements
Revenue & Profitability Trend
← Swipe to see more →
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta3.57
52W High$100.00
52W Low$30.90
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $3.22B | $2.32B | $1.59B | $1.35B | $870.46M |
| Gross Profit | $2.18B | $1.48B | $714.82M | $772.84M | $547.55M |
| Gross Margin | 67.5% | 63.6% | 45.0% | 57.3% | 62.9% |
| Operating Income | $-87,273,000 | $-615,847,000 | $-1,200,862,000 | $-866,048,000 | $-383,667,000 |
| Net Income | $52.19M | $-517,757,000 | $-985,345,000 | $-707,417,000 | $-441,027,000 |
| Net Margin | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% |
| EPS | $0.16 | $-1.67 | $-3.34 | $-2.51 | $-1.64 |
Company Overview
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
14
38%
Hold / Neutral
20
54%
Sell / Underperform
3
8%
Analyst Consensus🔴 Bearish
14 Bullish23 Neutral/Bearish
Price Targets
$45
Average Target
↓ 40.7% Downside
Now
$10
Low
$45
Average
$101
High
Based on 42 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 9th 2025 | Wolfe Research | Initiation | Peer Perform | - |
| October 23rd 2025 | Citigroup | Initiation | Buy | $100 |
| October 22nd 2025 | Wells Fargo | Initiation | Overweight | $89 |
| October 6th 2025 | Rothschild & Co Redburn | Upgrade | Buy | $101 |
| August 1st 2025 | Rothschild & Co Redburn | Initiation | Neutral | $74 |
| July 21st 2025 | Oppenheimer | Initiation | Outperform | $80 |
| July 17th 2025 | Deutsche Bank | Resumed | Buy | $78 |
| July 14th 2025 | BTIG Research | Downgrade | Neutral | - |
| June 12th 2025 | Stephens | Initiation | Equal Weight | $69 |
| June 2nd 2025 | Truist | Initiation | Buy | $58 |
| May 9th 2025 | Susquehanna | Upgrade | Positive | $65 |
| April 8th 2025 | TD Cowen | Initiation | Buy | $50 |
| March 24th 2025 | Seaport Research Partners | Initiation | Neutral | - |
| March 20th 2025 | BMO Capital Markets | Resumed | Outperform | $69 |
| March 19th 2025 | Compass Point | Upgrade | Buy | $64← $61 |
Earnings History & Surprises
AFRMBeat Rate
61%
Last 18 quarters
Avg Surprise
+34.7%
EPS vs Estimate
Beats / Misses
11/7
Last 12 quarters
Latest EPS
$0.23
Q4 2025
EPS Surprise History
Q1 24
-50.0%
$0.04vs$0.08
Q2 24
+38.4%
$-0.43vs$-0.70
Q3 24
+70.9%
$-0.14vs$-0.48
Q4 24
+8.8%
$-0.31vs$-0.34
Q1 25
+209.5%
$0.23vs$-0.21
Q2 25
+258.2%
$0.01vs$-0.01
Q3 25
+61.9%
$0.20vs$0.12
Q4 25
+105.2%
$0.23vs$0.11
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 6, 2026 | — | — | — | — |
Q1 2026 | Feb 5, 2026 | $0.28 | — | — | — |
Q4 2025 | Nov 6, 2025 | $0.11 | $0.23 | +105.2% | ✓ BEAT |
Q3 2025 | Aug 28, 2025 | $0.12 | $0.20 | +61.9% | ✓ BEAT |
Q2 2025 | May 8, 2025 | $-0.01 | $0.01 | +258.2% | ✓ BEAT |
Q1 2025 | Feb 6, 2025 | $-0.21 | $0.23 | +209.5% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $-0.34 | $-0.31 | +8.8% | ✓ BEAT |
Q3 2024 | Aug 28, 2024 | $-0.48 | $-0.14 | +70.9% | ✓ BEAT |
Q2 2024 | May 8, 2024 | $-0.70 | $-0.43 | +38.4% | ✓ BEAT |
Q1 2024 | Feb 8, 2024 | $0.08 | $0.04 | -50.0% | ✗ MISS |
Q4 2023 | Nov 8, 2023 | $-0.70 | $-0.57 | +18.6% | ✓ BEAT |
Q3 2023 | Aug 24, 2023 | $-0.86 | $-0.69 | +19.8% | ✓ BEAT |
Q2 2023 | May 9, 2023 | $-0.91 | $-0.69 | +24.2% | ✓ BEAT |
Q1 2023 | Feb 8, 2023 | $-1.01 | $-1.10 | -8.9% | ✗ MISS |
Q4 2022 | Nov 8, 2022 | $-0.82 | $-0.86 | -4.9% | ✗ MISS |
Q3 2022 | Aug 25, 2022 | $-0.45 | $-0.65 | -44.4% | ✗ MISS |
Q2 2022 | May 12, 2022 | $-0.45 | $-0.19 | +57.8% | ✓ BEAT |
Q1 2022 | Feb 10, 2022 | $-0.44 | $-0.57 | -29.5% | ✗ MISS |
Q4 2021 | Nov 10, 2021 | $-0.30 | $-0.40 | -33.3% | ✗ MISS |
Q3 2021 | Sep 9, 2021 | $-0.27 | $-0.48 | -77.8% | ✗ MISS |
Latest News
TD Cowen Maintains Buy on Affirm Holdings, Lowers Price Target to $110
➖ NeutralBenzinga•Jan 8, 2026, 05:53 PM
Affirm Holdings shares are trading higher after the company's CFO, Rob O'Hare, announced during a fireside chat that it has renewed its partnership pact with Amazon for about five more years.
📈 PositiveBenzinga•Dec 16, 2025, 07:09 PM•Also:
Affirm stock climbs with talk of Amazon renewal at investor day
📈 PositiveSeeking Alpha•Dec 16, 2025, 06:35 PM•Also:
Shares of stocks in the broader financial sector are trading higher amid overall market strength following the Fed's rate cut announcement.
📈 PositiveBenzinga•Dec 10, 2025, 08:41 PM•Also: , ,
Wolfe Research Initiates Coverage On Affirm Holdings with Peer Perform Rating
➖ NeutralBenzinga•Dec 9, 2025, 11:45 AM
Freedom Capital Markets Initiates Coverage On Affirm Holdings with Buy Rating, Announces Price Target of $90
📈 PositiveBenzinga•Dec 5, 2025, 01:36 PM
'Attorney General Tong Launches Inquiry Into Buy Now, Pay Later Lenders' - Connecticut Attorney General
📉 NegativeBenzinga•Dec 1, 2025, 04:15 PM•Also: , ,
Truist Securities Maintains Buy on Affirm Holdings, Lowers Price Target to $85
➖ NeutralBenzinga•Nov 19, 2025, 05:54 PM•Also:
RBC Capital Maintains Sector Perform on Affirm Holdings, Lowers Price Target to $87
➖ NeutralBenzinga•Nov 7, 2025, 06:09 PM
B of A Securities Maintains Buy on Affirm Holdings, Raises Price Target to $98
📈 PositiveBenzinga•Nov 7, 2025, 11:58 AM
Affirm Holdings shares are trading higher after the company reported better-than-expected Q1 financial results.
📈 PositiveBenzinga•Nov 7, 2025, 11:53 AM
Morgan Stanley Maintains Equal-Weight on Affirm Holdings, Lowers Price Target to $83
➖ NeutralBenzinga•Nov 7, 2025, 11:41 AM
Affirm Will Continue To Make Its Closed-End Installment Loan Products Available To Eligible Consumers On Amazon.com, And Through The Amazon Pay Widget On Certain Third-Party Retailer Online Channels
📈 PositiveBenzinga•Nov 6, 2025, 10:00 PM•Also:
Affirm stock gains on GMV guidance lift, Q1 earnings, revenue beats
📈 PositiveSeeking Alpha•Nov 6, 2025, 09:47 PM
Affirm Holdings Raises FY2026 Sales Guidance from $3.864B to $3.990B vs $3.995B Est
➖ NeutralBenzinga•Nov 6, 2025, 09:45 PM
Affirm Holdings shares are trading higher after the company reported better-than-expected Q1 financial results.
📈 PositiveBenzinga•Nov 6, 2025, 09:25 PM
Affirm Holdings Sees Q2 Sales $1.030B-$1.060B vs $1.053B Est
📈 PositiveBenzinga•Nov 6, 2025, 09:13 PM
Affirm Holdings Q1 EPS $0.23 Beats $0.11 Estimate, Sales $933.337M Beat $883.144M Estimate
📈 PositiveBenzinga•Nov 6, 2025, 09:12 PM
Affirm shares are trading higher after the company expanded its long-term capital partnership with New York Life, which will purchase up to $750 million in its installment loans through December 2026.
📈 PositiveBenzinga•Oct 31, 2025, 07:37 PM
Affirm Expands It Long-Term Capital Partnership With New York Life, Under Which New York Life Will Purchase Up To $750M In Affirm's Installment Loans Through December 2026
📈 PositiveBenzinga•Oct 31, 2025, 01:02 PM
Frequently Asked Questions about AFRM
What is AFRM's current stock price?
Affirm Holdings, Inc. (AFRM) is currently trading at $75.72 per share. The stock has moved -0.88% today.
What is the analyst price target for AFRM?
The average analyst price target for AFRM is $87.00, based on 1 analyst.
What sector is Affirm Holdings, Inc. in?
Affirm Holdings, Inc. operates in the Technology sector, specifically within the Software - Infrastructure industry. The company is traded on the NASDAQ exchange.
What is AFRM's market cap?
Affirm Holdings, Inc. has a market capitalization of $24.67 billion, making it a large-cap company.
Does AFRM pay dividends?
No, Affirm Holdings, Inc. does not currently pay a dividend to shareholders.
Similar Stocks
Technology SectorCHKP
Check Point Software Technologies Ltd.
$183.53
Mkt Cap: $19.8B
CYBR
CyberArk Software Ltd.
$460.37
Mkt Cap: $23.2B
FIG
Figma, Inc.
$33.25
Mkt Cap: $16.2B
GRAB
Grab Holdings Limited
$4.78
Mkt Cap: $19.0B
IOT
Samsara Inc.
$33.44
Mkt Cap: $19.1B
NTNX
Nutanix, Inc.
$52.52
Mkt Cap: $14.1B
PTC
PTC Inc.
$168.47
Mkt Cap: $20.2B
TOST
Toast, Inc.
$34.82
Mkt Cap: $20.5B
TTD
The Trade Desk, Inc.
$36.73
Mkt Cap: $18.1B
VRSN
VeriSign, Inc.
$248.84
Mkt Cap: $23.1B
Explore stocks similar to AFRM for comparison