Affirm Holdings

Analysts Weigh Affirm Holdings Prospects Amid Slight Valuation Shift and Ongoing Growth Momentum

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

22 Apr 25

Updated

11 Dec 25

Views

283

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

13.7%

7D

1.7%

Loading

1Y

13.7%

7D

1.7%

You can edit this narrative until Dec 12 5:10 PM. Then, changes will post as Updates.

Author's Valuation

US$92.7122.3% undervalued

AnalystConsensusTarget Fair Value

Shared on 11 Dec 25

Fair value Decreased 0.13%

AFRM: Expanding Platform Partnerships Will Drive Future Upside Momentum

Analysts have modestly trimmed their price target on Affirm Holdings, with the average estimate easing by a few dollars to the mid to high $80s range as they recalibrate valuations to lower peer multiples. At the same time, they are citing resilient consumer demand, strengthening profitability and reinforcing growth drivers from deepening partnerships with platforms like Amazon and Apple Pay, along with international expansion.

Shared on 27 Nov 25

Fair value Decreased 3.44%

AFRM: Expanding Partnerships And International Access Will Drive Upside Momentum

Affirm Holdings' analyst price target has been revised downward from approximately $96 to $93 per share. Analysts cite adjustments to peer valuations and sector multiples, even as they note stronger projected revenue growth and an improved profit margin outlook.

Shared on 05 Nov 25

Fair value Decreased 0.17%

AFRM: Expanded Partnerships And International Reach Will Support Ongoing Upside Momentum

Analysts have slightly reduced their fair value estimate for Affirm Holdings from $96.31 to $96.14, citing moderating revenue growth and profit margin assumptions. This adjustment is offset by sustained optimism around the company’s expanding market position and solid quarterly execution.

Shared on 22 Oct 25

Fair value Decreased 0.18%

Affirm Holdings’ analyst fair value estimate saw a minor decrease to $96.31 from $96.48. Analysts cited continued momentum in gross merchandise volume and stable user spending, but noted slightly tempered projections for revenue growth and profit margins.

Shared on 08 Oct 25

Fair value Increased 1.52%

Affirm Holdings' analyst price target has been revised upward to $96.48. This reflects increased confidence among analysts in its international expansion, higher growth expectations, and recent strong operating results.

Shared on 12 Sep 25

Fair value Increased 1.98%

Affirm’s price target was revised higher to $95.03 as analysts highlighted strong GMV growth, resilient fundamentals, and improving credit quality driven by a shift toward 0% APR products, while noting margin risks from intensifying BNPL competition. Analyst Commentary Bullish analysts cite Affirm’s strong quarterly results, with beats across revenue, earnings, and especially Gross Merchandise Volume (GMV), as well as the company’s above-expectation FY26 guidance despite the loss of a key enterprise client.

Shared on 27 Aug 25

Fair value Increased 27%

Affirm Holdings’ consensus price target has been raised to $76.68, reflecting analyst optimism about strong BNPL growth, resilient earnings trends, and new partnerships outweighing competitive pressure and margin concerns. Analyst Commentary Bullish analysts cite stable macroeconomic conditions, continued strong spending trends in fintech and Buy Now Pay Later (BNPL) segments, and positive Q2 earnings momentum as primary reasons for raising price targets.

Shared on 01 May 25

Fair value Increased 3.14%

AnalystConsensusTarget Fair Value

US$92.71

22.3% undervalued

Future estimation in

Growth p.a.

Growth p.a.

%

Decrease

Increase

Current revenue growth rate

17.90%

Diversified Financial revenue growth rate

0.29%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

7.98%

Calculation

US$1.05b

Earnings '28

x

40.78x

PE Ratio '28

=

US$43.00b

Market Cap '28

US$43.00b

Market Cap '28

/

368.92m

No. shares '28

=

US$116.56

Share Price '28

US$116.56 Share Price '28

Discounted to 2025 @ 8.02% p.a.

=

US$92.48

Fair Value '25