Affirm Holdings (AFRM) Resumen de Acciones
Affirm Holdings, Inc. opera una red de pagos en Estados Unidos, Canadá e internacionalmente. Saber más
| Puntuación del snowflake | |
|---|---|
| Valoración | 1/6 |
| Crecimiento futuro | 5/6 |
| Rendimiento pasado | 3/6 |
| Salud financiera | 2/6 |
| Dividendos | 0/6 |
AFRM Community Fair Values
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Analyst Price Targets
Competidores de Affirm Holdings, Inc.
Historial de precios y rendimiento
| Precios históricos de las acciones | |
|---|---|
| Precio actual de la acción | US$74.72 |
| Máximo en las últimas 52 semanas | US$100.00 |
| Mínimo de 52 semanas | US$42.10 |
| Beta | 3.67 |
| Cambio en 1 mes | 1.08% |
| Variación en 3 meses | 12.23% |
| Cambio de 1 año | 14.20% |
| Variación en 3 años | 324.55% |
| Variación en 5 años | 25.58% |
| Variación desde la OPV | -23.16% |
Noticias y actualizaciones recientes
Seeking Alpha • Jul 13
Affirm: Easy Money Will Be Gone By The Time It Feels Safe
Summary Affirm is now a free cash flow machine, poised to generate over $1 billion in FCF in the next twelve months. AFRM is expected to deliver 24%-25% revenue growth in fiscal 2027, with annual revenues surpassing $5 billion. Profitability is accelerating: management has consistently raised non-GAAP operating margin guidance, targeting 29% next fiscal year. At 25x forward FCF and a PEG of ~1x, AFRM appears undervalued despite competitive risks and current risk-off sentiment. Read the full article on Seeking Alpha
Actualización de narrativa • Jul 07
AFRM: Future Returns Will Rely On Sustaining 100b GMV Without Execution Missteps
Affirm Holdings' updated analyst price target framework reflects a modest fair value trim to about $61 from roughly $63, as analysts factor in stronger growth and margin assumptions alongside a lower modeled P/E multiple and slightly reduced discount rate following a series of recent target lifts and one valuation-driven downgrade. Analyst Commentary Recent Street research on Affirm Holdings shows a split view, with several large firms lifting price targets while at least one high profile institution has taken a more measured stance on the stock after a strong run.Recent updates
Seeking Alpha • Jul 13
Affirm: Easy Money Will Be Gone By The Time It Feels Safe
Summary Affirm is now a free cash flow machine, poised to generate over $1 billion in FCF in the next twelve months. AFRM is expected to deliver 24%-25% revenue growth in fiscal 2027, with annual revenues surpassing $5 billion. Profitability is accelerating: management has consistently raised non-GAAP operating margin guidance, targeting 29% next fiscal year. At 25x forward FCF and a PEG of ~1x, AFRM appears undervalued despite competitive risks and current risk-off sentiment. Read the full article on Seeking AlphaActualización de narrativa • Jul 07
AFRM: Future Returns Will Rely On Sustaining 100b GMV Without Execution Missteps
Affirm Holdings' updated analyst price target framework reflects a modest fair value trim to about $61 from roughly $63, as analysts factor in stronger growth and margin assumptions alongside a lower modeled P/E multiple and slightly reduced discount rate following a series of recent target lifts and one valuation-driven downgrade. Analyst Commentary Recent Street research on Affirm Holdings shows a split view, with several large firms lifting price targets while at least one high profile institution has taken a more measured stance on the stock after a strong run.Actualización de narrativa • Jun 23
AFRM: Future Returns Will Depend On Achieving Ambitious 100b GMV Target
Analysts have lifted the fair value estimate for Affirm Holdings from $53.00 to about $63.17, citing higher price targets driven by updated volume expectations, Affirm's $100b gross merchandise volume ambition, and a generally more constructive view on profitability and sector trends. Analyst Commentary on Affirm Holdings Recent Street research on Affirm Holdings points to a mixed backdrop, with several firms lifting price targets while others trim expectations or strike a more cautious tone.
Actualización de narrativa • Jun 09
AFRM: Expanded Funding And Commerce Partnerships Will Support Future Upside Potential
Analysts have lifted their targets on Affirm Holdings, with several firms nudging price objectives higher by low to mid single digit dollar amounts. They point to stronger projected Gross Merchandise Volume, supportive retail spending trends, and recent promotional activity as key drivers behind refreshed models.Actualización de narrativa • May 26
AFRM: Expanding AI Commerce Partnerships Will Support Future Upside Potential
The analyst price target for Affirm Holdings in this update is set at $100, down from $110. This reflects analysts' use of a slightly lower revenue growth outlook alongside higher margin and lower P/E assumptions, following a series of mostly supportive research notes about the company and its recent analyst day.
Actualización de narrativa • Apr 23
AFRM: Expanded Payment Partnerships And Fair Financing Execution Will Drive Future Upside
Narrative Update: Affirm Holdings The updated analyst price target for Affirm Holdings shifts from approximately $86 to about $79, as analysts weigh slightly higher revenue growth assumptions against lower margin expectations and reduced forward P/E multiples, while still reflecting a broadly constructive tone in recent research coverage. Analyst Commentary Recent research on Affirm reflects a mix of constructive long term views and shorter term caution, with updates clustering around changes to price targets, competitive pressures and macro risk to its credit book.Actualización de narrativa • Apr 08
AFRM: Future Returns Will Rely On Embedded Commerce Offsetting BNPL Credit Concerns
Affirm Holdings' updated analyst price target remains anchored by a fair value estimate of $53.00, with small tweaks to revenue growth, profit margin and discount rate assumptions as analysts balance recent target cuts across the group with ongoing views that Affirm is a best in class buy now pay later name within payments. Analyst Commentary Recent Street research around Affirm shows a split view.Actualización de narrativa • Mar 25
AFRM: Future Returns Will Hinge On Embedded Payments Outweighing BNPL Credit Fears
The analyst fair value estimate for Affirm has shifted from $55.74 to $53.00 as analysts factor in higher projected revenue growth and a richer future P/E of about 38.6x, alongside lower margin expectations and a slightly higher discount rate, influenced by a mix of renewed Buy ratings, trimmed price targets, and ongoing debates around BNPL competition and credit risk. Analyst Commentary Recent Street research on Affirm highlights a split view.Actualización de narrativa • Mar 10
AFRM: BNPL Partnerships And Sector Support Will Drive Future Upside Potential
The analyst price target for Affirm has been revised to $110 from $115, as analysts factor in updated sector multiples, a slightly higher discount rate, and expectations for revenue growth and profit margins, while still viewing the company as a high-quality BNPL name within payments. Analyst Commentary Recent research on Affirm highlights a mix of fresh initiations, reinstatements, and target revisions, with several bullish analysts framing the stock as a higher quality BNPL name within the broader payments and specialty finance groups.Actualización de narrativa • Feb 24
AFRM: Future Returns Will Depend On Embedded Payments Outweighing Credit And BNPL Fears
Analysts have trimmed their fair value estimate for Affirm Holdings, with the implied price target moving from about $64.44 to $55.74 as they factor in lower peer multiples, ongoing BNPL competition and macro risk around its credit products, even as some still see longer term category growth potential. Analyst Commentary Recent Street research around Affirm highlights a mix of optimism on the broader buy now, pay later theme and caution on how that translates into equity value for the stock.Actualización de narrativa • Feb 10
AFRM: Expanding Embedded Payment Partnerships Will Support Future Upside Potential
Narrative Update Analysts have trimmed their price target on Affirm Holdings by about $6.71, reflecting updated views on fair value, a slightly higher discount rate, modestly adjusted revenue growth assumptions, a higher profit margin outlook, and a lower future P/E multiple following a mix of recent target cuts and upgrades across the Street. Analyst Commentary Street research on Affirm has been active, with several firms revisiting their fair value frameworks, tightening price targets, and updating ratings as they reassess growth, profitability, and sector positioning.Actualización de narrativa • Jan 27
AFRM: Future Returns Will Hinge On Embedded Payments And Credit Discipline
Analysts trimmed their implied price target for Affirm Holdings by a small amount, reflecting slightly higher discount rate assumptions and peer group valuation changes, while still pointing to firm BNPL volume expectations and fresh bullish coverage that highlight the product's growing role as an embedded payment tool across online and offline commerce. Analyst Commentary Recent research on Affirm highlights a mix of optimism around the long term role of buy now pay later, alongside more cautious adjustments to price targets that reflect changing sector assumptions and peer valuations.Actualización de narrativa • Jan 11
AFRM: Future Returns Will Depend On Execution In A Tougher Credit Cycle
Analysts have inched their fair value estimate for Affirm Holdings higher to roughly US$64.50 per share, citing updated sector views on buy now pay later growth, refined profit margin expectations, and adjusted P/E assumptions that align with recent price target changes across the specialty finance group. Analyst Commentary Recent Street research presents a mixed backdrop for Affirm, with some firms reaffirming positive views on the broader buy now pay later theme while trimming individual price targets for the stock.Actualización de narrativa • Dec 25
AFRM: Future Returns Will Depend On Sustaining Key Merchant Partnerships
Affirm Holdings' analyst price target has edged lower by roughly $2 to the mid $80s range, as analysts factor in lower sector valuation multiples despite reaffirmed confidence in the company’s accelerating revenue growth, improving profitability, and long term expansion opportunities. Analyst Commentary Recent Street research on Affirm reflects a more measured stance on the stock, even as analysts acknowledge the company’s strong execution and expanding partnerships.Actualización de narrativa • Dec 11
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.Actualización de narrativa • Nov 27
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.Actualización de narrativa • Nov 05
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.Actualización de narrativa • Oct 22
Analysts Weigh Affirm Holdings Prospects Amid Slight Valuation Shift and Ongoing Growth Momentum
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.Actualización de narrativa • Oct 08
Merchant Adoption And Global Expansion Will Drive Future Success
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.Artículo de análisis • Sep 20
Affirm Holdings, Inc. (NASDAQ:AFRM) Looks Just Right With A 26% Price Jump
Despite an already strong run, Affirm Holdings, Inc. ( NASDAQ:AFRM ) shares have been powering on, with a gain of 26...Actualización de narrativa • Sep 12
Merchant Adoption And Global Expansion Will Drive Future Success
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.Actualización de narrativa • Aug 27
International E-Commerce Expansion Will Unlock Digital Financing Potential
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.
Nueva narrativa • Apr 22
0% APR Loans And AI Will Redefine Consumer Lending
Expanding 0% APR loans and consumer network aims to boost customer base and transaction volumes, fostering revenue and GMV growth.Seeking Alpha • Mar 28
Affirm: What Does Losing Walmart Mean For Affirm?
Summary Today, I will walk us through the implications of the recent Klarna-Walmart deal. For those just tuning in, Klarna recently captured Affirm's contract with Walmart, resulting in Affirm losing its Walmart business. I will explore this development in detail with you. While the loss of the Walmart business isn't good for Affirm, I do not believe it impairs the thesis in any sense. In fact, I think the thesis is as strong as ever. Read the full article on Seeking AlphaSeeking Alpha • Mar 10
Affirm: Rating Upgrade With GAAP Profitability Imminent
Summary Affirm has shown strong execution with an uncanny track record of crushing guidance. The company achieved a surprise GAAP net profit in the quarter and expects sustainable GAAP operating profitability by fiscal year-end. Despite potential volatility and market downturn risks, Affirm's strong balance sheet and management's track record show that this time it's different. I am upgrading the stock given the strong fundamental momentum. Read the full article on Seeking AlphaSeeking Alpha • Feb 07
Affirm Holdings Q2: A Perfect Time To Take Profits (Rating Downgrade)
Summary Affirm Holdings, Inc.'s shares surged 22% due to strong Q2 '25 earnings, driven by a surge in gross merchandise volume and revenues. Affirm's Q2 bottom line was $0.23 per share, beating consensus by $0.46, with revenue $59M higher than expected. The company benefited from higher transactions per account and submitted a strong outlook for Q3 '25. Despite better-than-expected earnings, AFRM stock is now very highly valued with a P/S ratio of 6.3X… which is about 90% above the historical, 3-year average valuation ratio. Read the full article on Seeking AlphaSeeking Alpha • Jan 15
Affirm: Minimal Gains Expected From Here (Technical Analysis)
Summary Affirm stock is up nearly 500% since its 2023 low, but technicals have turned net bearish, indicating potential for further pullback. The stock has broken below its uptrend line, with moving averages and indicators showing signs of near-term weakness and potential downtrend development. Despite bearish technicals, Affirm's fundamentals are strong with significant revenue growth and narrowed net losses, making the stock modestly undervalued based on P/S and P/B ratios. Given the bearish technical outlook but attractive valuation, I rate Affirm as a hold, with potential for further pullback in the near term. Read the full article on Seeking AlphaSeeking Alpha • Jan 08
Affirm: Big Bull For 2025
Summary Affirm's strong 2024 performance, driven by robust execution and rising BNPL demand, positions it for continued growth and profitability in 2025. Affirm's market leadership in BNPL, expanding partnerships, and favorable consumer trends offer significant growth opportunities, despite competitive and credit quality risks. Valuation remains an investor pushback, but Affirm's growth prospects and improved profitability could support multiple expansion upon consistent execution. Read the full article on Seeking AlphaSeeking Alpha • Dec 07
Affirm: Wait Now, Buy Later
Summary In 1Q25, AFRM continues to expand its market share to 34% and post strong revenue growth (+41% y/y). Additionally, the company estimated that overall GMV increased by 36% y/y. AFRM is making meaningful progress towards profitability. As a percentage of revenues, RLTC ex-provisions have improved substantially, while major expenses have declined. Valuation analysis based on price-to-sales and revenue growth suggests that the company is overvalued by more than 30%, making AFRM unattractive at this stage. Ultimately, AFRM is a highly volatile company (90% annualized volatility) with an extremely elevated beta of more than 3. Hence, investors should exercise caution and wait for a better entry point. Read the full article on Seeking AlphaSeeking Alpha • Nov 19
Affirm Holdings Could Be Set For A Breakout
Summary Affirm Holdings is experiencing robust growth in sales, Gross Merchandise Volume, and payment transactions, driven by high engagement on its BNPL platform and Affirm Card adoption. The company's 1Q25 earnings report shows a 41% YoY sales increase and a 35% YoY rise in Gross Merchandise Volume, indicating strong business development. Lower interest rates could further boost Affirm's BNPL services, enhancing its profitability and making it a promising long-term investment with a favorable risk/reward profile. Affirm Holdings is rated 'Buy' due to its potential for substantial growth, efficient cost structure, and promising product lineup, particularly the Affirm Card. Read the full article on Seeking AlphaSeeking Alpha • Nov 05
Affirm: Look Beyond Next Earnings Release
Summary Affirm benefits from Apple Pay’s BNPL exit and lower interest rates, boosting short-term growth prospects. Valued at around $47 per share, Affirm shows near-term potential but lacks a margin of safety for a long-term hold. Recommendation: Hold for a short-term increase, but consider selling due to rising competition and funding challenges. Read the full article on Seeking AlphaRentabilidad de los accionistas
| AFRM | US Diversified Financial | Mercado US | |
|---|---|---|---|
| 7D | -11.5% | 0.1% | -0.7% |
| 1Y | 14.2% | -4.1% | 17.3% |
Rentabilidad vs. Industria: AFRM superó a la industria US Diversified Financial, que obtuvo un rendimiento del -2.5% el año pasado.
Rentabilidad vs. Mercado: AFRM obtuvo unos resultados inferiores a los del mercado US, que fueron del 17.1% el año pasado.
Volatilidad de los precios
| AFRM volatility | |
|---|---|
| AFRM Average Weekly Movement | 7.9% |
| Diversified Financial Industry Average Movement | 6.0% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.2% |
Precio estable de las acciones: AFRM no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.
Volatilidad a lo largo del tiempo: La volatilidad semanal de AFRM (8%) se ha mantenido estable durante el año pasado.
Acerca de la empresa
| Fundada | Empleados | CEO | Página web |
|---|---|---|---|
| 2012 | 2,206 | Max Levchin | www.affirm.com |
Affirm Holdings, Inc. opera una red de pagos en Estados Unidos, Canadá e internacionalmente. Su plataforma incluye soluciones de pago en el punto de venta para consumidores, soluciones de comercio para comerciantes y una aplicación orientada al consumidor. La plataforma de comercio de la empresa, los acuerdos con los bancos de origen y los socios de los mercados de capitales permiten a los consumidores pagar una compra a lo largo del tiempo.
Resumen de fundamentos de Affirm Holdings, Inc.
| Estadísticas fundamentales de AFRM | |
|---|---|
| Capitalización bursátil | US$25.22b |
| Beneficios(TTM) | US$382.42m |
| Ingresos (TTM) | US$3.97b |
65.4x
Ratio precio-beneficio (PE)6.3x
Ratio precio-ventas (PS)¿Está AFRM sobrevalorada?
Ver valor justo y análisis de valoraciónBeneficios e Ingresos
| Cuenta de resultados (TTM) de AFRM | |
|---|---|
| Ingresos | US$3.97b |
| Coste de los ingresos | US$2.05b |
| Beneficio bruto | US$1.92b |
| Otros gastos | US$1.54b |
| Beneficios | US$382.42m |
Últimos beneficios comunicados
Mar 31, 2026
Próxima fecha de beneficios
n/a
| Beneficios por acción (BPA) | 1.14 |
| Margen bruto | 48.37% |
| Margen de beneficio neto | 9.63% |
| Ratio deuda/patrimonio | 239.3% |
¿Cómo se ha desempeñado AFRM a largo plazo?
Ver rendimiento histórico y comparativaAnálisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/07/21 02:49 |
| Precio de las acciones al final del día | 2026/07/21 00:00 |
| Beneficios | 2026/03/31 |
| Ingresos anuales | 2025/06/30 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
| |
| Estimaciones del consenso de analistas | +3 años |
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| Precios de mercado | 30 años |
| |
| Propiedad | 10 años |
| |
| Gestión | 10 años |
| |
| Principales avances | 10 años |
|
* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
Affirm Holdings, Inc. está cubierta por 42 analistas. 31 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| David Koning | Baird |
| Ramsey El-Assal | Barclays |
| Andrew Bauch | BMO Capital Markets Equity Research |