Affirm Holdings (AFRM) 주식 개요
는 미국, 캐나다 및 전 세계에서 결제 네트워크를 운영합니다. 자세히 보기
AFRM Community Fair Values
Create NarrativeSee what 90 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Affirm Holdings, Inc. 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$75.05 |
| 52주 최고가 | US$100.00 |
| 52주 최저가 | US$42.10 |
| 베타 | 3.62 |
| 1개월 변동 | 1.54% |
| 3개월 변동 | 15.07% |
| 1년 변동 | -5.59% |
| 3년 변동 | 321.87% |
| 5년 변동 | 10.53% |
| IPO 이후 변동 | -22.82% |
최근 뉴스 및 업데이트
내러티브 업데이트 • Aug 18
AFRM: Future Returns Will Depend On Credit Discipline Supporting Elevated Expectations
Analysts have nudged their fair value estimate for Affirm Holdings higher to about $66.16 from $64.49. This reflects updated assumptions for revenue growth, profitability, and future P/E that align with a recent series of higher Street price targets and supportive views on the company's growth and monetization opportunity.내러티브 업데이트 • Aug 04
AFRM: Future Returns Will Depend On BNPL Scale Outpacing Slowing Network Volumes
Affirm Holdings' analyst price target has been raised by about $3 to a fair value of roughly $64.49. This reflects analysts' use of updated models that incorporate slightly higher revenue growth, modestly stronger profit margins, and revised P/E and discount rate assumptions informed by recent research highlighting its Buy Now Pay Later scale, network effects, and sector backdrop.Seeking Alpha • Jul 29
Affirm: The Apex Predator Of Buy-Now-Pay-Later
Summary Over the last six years which included a global pandemic and a historic rate shock, credit performance stayed within management's target range while gross merchandise value compounded above 35% annually. The result is the trifecta we look for and rarely find: they are the US category leader, the fastest grower, and the most profitable operator. Affirm is expanding categories rapidly. Our five-year price target is $310, roughly 310% upside, a ~33% compounded annual return. Read the full article on Seeking Alpha
내러티브 업데이트 • Jul 21
AFRM: Rising Market Confidence And Funding Access Will Support Future Upside
The updated analyst price target for Affirm Holdings rises from $100.00 to $116.37, reflecting analysts' revised models that factor in recent target increases across the Street, broadly supportive views on consumer fintech conditions, and ongoing comfort with Affirm's growth, funding, and credit profile, despite at least one valuation-driven downgrade. Analyst Commentary Recent research coverage on Affirm Holdings shows a cluster of price target revisions and fresh coverage that, taken together, point to a generally constructive stance on the stock.내러티브 업데이트 • 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
내러티브 업데이트 • Aug 18
AFRM: Future Returns Will Depend On Credit Discipline Supporting Elevated Expectations
Analysts have nudged their fair value estimate for Affirm Holdings higher to about $66.16 from $64.49. This reflects updated assumptions for revenue growth, profitability, and future P/E that align with a recent series of higher Street price targets and supportive views on the company's growth and monetization opportunity.내러티브 업데이트 • Aug 04
AFRM: Future Returns Will Depend On BNPL Scale Outpacing Slowing Network Volumes
Affirm Holdings' analyst price target has been raised by about $3 to a fair value of roughly $64.49. This reflects analysts' use of updated models that incorporate slightly higher revenue growth, modestly stronger profit margins, and revised P/E and discount rate assumptions informed by recent research highlighting its Buy Now Pay Later scale, network effects, and sector backdrop.Seeking Alpha • Jul 29
Affirm: The Apex Predator Of Buy-Now-Pay-Later
Summary Over the last six years which included a global pandemic and a historic rate shock, credit performance stayed within management's target range while gross merchandise value compounded above 35% annually. The result is the trifecta we look for and rarely find: they are the US category leader, the fastest grower, and the most profitable operator. Affirm is expanding categories rapidly. Our five-year price target is $310, roughly 310% upside, a ~33% compounded annual return. Read the full article on Seeking Alpha내러티브 업데이트 • Jul 21
AFRM: Rising Market Confidence And Funding Access Will Support Future Upside
The updated analyst price target for Affirm Holdings rises from $100.00 to $116.37, reflecting analysts' revised models that factor in recent target increases across the Street, broadly supportive views on consumer fintech conditions, and ongoing comfort with Affirm's growth, funding, and credit profile, despite at least one valuation-driven downgrade. Analyst Commentary Recent research coverage on Affirm Holdings shows a cluster of price target revisions and fresh coverage that, taken together, point to a generally constructive stance on the stock.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.
내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.내러티브 업데이트 • 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.
새로운 내러티브 • 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 Alpha주주 수익률
| AFRM | US Diversified Financial | US 시장 | |
|---|---|---|---|
| 7D | -4.2% | -1.6% | -2.1% |
| 1Y | -5.6% | -1.0% | 18.8% |
수익률 대 산업: AFRM은 지난 1년 동안 -1%의 수익을 기록한 US Diversified Financial 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: AFRM은 지난 1년 동안 18.8%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| AFRM volatility | |
|---|---|
| AFRM Average Weekly Movement | 8.1% |
| Diversified Financial Industry Average Movement | 6.2% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.1% |
안정적인 주가: AFRM는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: AFRM의 주간 변동성(8%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 2012 | 2,206 | Max Levchin | www.affirm.com |
는 미국, 캐나다 및 전 세계에서 결제 네트워크를 운영합니다. 이 회사의 플랫폼에는 소비자를 위한 POS 결제 솔루션, 판매자 상거래 솔루션, 소비자 중심 앱이 포함되어 있습니다. 이 회사의 상거래 플랫폼, 원래 은행 및 자본 시장 파트너와의 계약을 통해 소비자는 시간이 지남에 따라 구매 대금을 지불할 수 있습니다.
Affirm Holdings, Inc. 기초 지표 요약
| AFRM 기초 통계 | |
|---|---|
| 시가총액 | US$25.13b |
| 순이익 (TTM) | US$382.42m |
| 매출 (TTM) | US$3.97b |
65.7x
주가수익비율(P/E)6.3x
주가매출비율(P/S)AFRM는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| AFRM 손익계산서 (TTM) | |
|---|---|
| 매출 | US$3.97b |
| 매출원가 | US$2.05b |
| 총이익 | US$1.92b |
| 기타 비용 | US$1.54b |
| 순이익 | US$382.42m |
최근 보고된 실적
Mar 31, 2026
다음 실적 발표일
Aug 27, 2026
| 주당순이익(EPS) | 1.14 |
| 총이익률 | 48.37% |
| 순이익률 | 9.63% |
| 부채/자본 비율 | 239.3% |
AFRM의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/08/21 12:04 |
| 종가 | 2026/08/20 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/06/30 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
Affirm Holdings, Inc.는 43명의 분석가가 다루고 있습니다. 이 중 32명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| David Koning | Baird |
| Ramsey El-Assal | Barclays |
| Harshita Rawat | Bernstein |