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Stock·NASDAQ·Financial Services

Affirm Holdings, Inc. (AFRM)

$72.68 3.19 (4.59%)
At close: Oct 27, 4:00 PM EDT
Buy
67 / 100
CleaRank Financial AI scorei
Market cap
$24.52B
Dividend yield
None
Street target
$100.00median of 34 analysts
52-week range
$42.10 $90.44
01

AFRM stock forecast today

Where AFRM stands today, and what CleaRank Financial AI makes of it.

AFRM at a glance

Affirm Holdings, Inc. (AFRM): Buy, 67/100 on CleaRank's AI score.

  • Trend Mixed: the price is above its 200-day but below its 50-day moving average ($66.54 and $73.17).
  • Earnings AFRM beat estimates in 2 of the 4 reports in our data, and the stock rose the next day every time.
  • Insiders Insiders sold $192.5M and made no open-market purchases over the last 18 months.

Figures as of October 27, 2026.

CleaRank Financial AI

CleaRank rates Affirm Holdings, Inc. (AFRM) Buy, with a model score of 67/100.

The analysts' outlook lifts the score most: 27 of 34 analysts rate it a buy and the median target is 37.6% above the price. Momentum holds it back most: the MACD line is negative. The trend is mixed: AFRM trades 0.67% below its 50-day average of $73.17 and 9.23% above its 200-day average of $66.54. Over the past year the price fell 4.93%.

Only on CleaRank

Figures we compute ourselves from AFRM's own price, earnings and insider-filing history. Tap one to see it in context.

02

AFRM stock price and trading

The chart, today's range and how far the price has moved over each period.

2.0

Trend checks

3/4
  • Price above its 50-day average ›
    The price of $72.68 is 0.7% below the 50-day simple moving average of $73.17.
  • Price above its 200-day average ›
    The price is 9.2% above the 200-day simple moving average of $66.54.
  • 50-day average above the 200-day ›
    The 50-day average ($73.17) is 10.0% above the 200-day average ($66.54), the arrangement of a rising longer-term trend.
  • In the upper half of its 52-week range ›
    The price sits at 63% of its 52-week range, between $42.10 and $90.44.

AFRM share price

Pick a period: each tab shows how far AFRM has moved over it, to the last close.

Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
Start $76.45 Oct 27, 2025
Latest close $72.68 Oct 27, 2026
High $85.78 Jul 6, 2026
Low $42.53 Mar 27, 2026

Today's trading

Where AFRM sits inside today's range and its 52-week range.

Day range 4.47% wide
$72.68
$70.31 $73.45
52-week range 63% of the way up
$72.68
$42.10 $90.44
Open
$71.47
Previous close
$69.49
Volume
3.79M
1% below average
Market cap
$24.52B
03

AFRM fundamentals and valuation

Valuation against the sector, and the revenue and earnings behind it.

3.0

Valuation and quality checks

1/3
  • P/S below the sector median ›
    The price-to-sales ratio of 6.17 is 62.5% above the sector median of 3.8.
  • Profitable over the last 12 months ›
    Net income over the last 12 months was $382.4M on revenue of $4.0B, a net margin of 9.6%.
  • Beat estimates in most recent reports ›
    AFRM beat the EPS estimate in 2 of the 4 reports in our data.

Key statistics

The headline figures for AFRM.

Market Cap
24.52B
P/E Ratio
N/A
EPS (TTM)
N/A
Dividend Yield
None
52 Week High
90.44
52 Week Low
42.10

As of October 27, 2026, AFRM trades at $72.68, with a market value of $24.52B.

What the numbers say

CleaRank Financial AI's reading of AFRM's valuation, growth and risks.

Valuation

On sales, AFRM is priced at 5.76 times, 51.6% above the sector median of 3.8.

The business converts sales into profit at a net margin of 9.6% and an operating margin of 12.63%. Shareholders' capital earns 45.13%, above the sector median of 13.8%, measured as return on equity. The balance sheet rounds out the picture, with debt-to-equity of 1.83.

Earnings & Growth

$0.72 a share against a $0.84 estimate made the February 5, 2026 report a miss of 14.29%. Shares fell 4.02% in the next session.

The consensus EPS estimate stands at $3.85 for this fiscal year and $5.02 for next, a decline of 45.1% for the current year.

Key risks

AFRM's average daily move is 3.56%; measured against the S&P 500, its beta is 3.82. The price is 19.64% below its 52-week high of $90.44. Insiders sold $192.5M over the last 18 months and bought none on the open market, though sales of this kind are often planned in advance and say less than purchases would.

AFRM against the Financial Services sector

How AFRM compares with the median Financial Services stock CleaRank tracks.

P/S ratio 62% above the median
AFRM
6.2x
Sector median
3.8x
Revenue growth, year on year 20.9 points above the median
AFRM
32.6%
Sector median
11.7%
Return on equity 31.3 points above the median
AFRM
45.1%
Sector median
13.8%

Price to sales vs sector: On price-to-sales, the yardstick used here in place of P/E, AFRM trades at 6.17x, +62% versus the sector average of 3.80x.

Return vs XLF: Since May 15, 2025, AFRM has gained 40.4% against a gain of 9.0% for XLF.

Performance against XLF

AFRM and the Financial Services sector fund over the same days.

Jun '25Sep '25Dec '25Apr '26Jul '26Oct '26
AFRM XLF

Revenue and earnings

How much AFRM sells, and how much of it becomes profit.

Revenue, 12 months
$4.0B
Net income, 12 months
$382M
Net margin
9.6%
Revenue growth
+32.6%
Q1 '26, year on year
FY2021-51% marginFY2022-52% marginFY2023-62% marginFY2024-22% marginFY20252% margin
Revenue Net income

Revenue growth: Revenue grew 38.8% in FY2025 to $3.2B, from $2.3B a year earlier.

Profit margin: The net margin was 1.6% in FY2025, up from -22.3% the year before.

Profitable: AFRM earned $52.2M in FY2025.

Earnings reality check

Did AFRM beat what analysts expected, and how did the stock react?

Beat the estimate
2 of 4
4 reports in our data
Fell after a beat
0 of 2
first session after the report
Average surprise
+21.0%
actual EPS against the estimate
Avg. first-session move
+10.0%
the stock, after the report
EPS surprise
First-session move
Feb '25Aug '25Nov '25Feb '26

Earnings record: AFRM beat the analyst estimate in 2 of the 4 reports in our data.

Market reaction: The stock rose in the first session after every beat.

AFRM earnings surprises and the stock's reaction
Report Estimate Actual Surprise First session 5 sessions
Feb 5, 2026after close $0.84 $0.72 -14.29% -4.02% -16.26%
Nov 6, 2025after close $0.62 $0.61 -1.61% +11.61% +10.95%
Aug 28, 2025after close $0.43 $0.53 +23.26% +10.59% +9.20%
Feb 6, 2025after close $0.43 $0.76 +76.74% +21.81% +28.39%

Reports after February 5, 2026 are not yet in our data.

As of October 27, 2026, AFRM has beaten the analyst EPS estimate in 2 of the 4 reports in our data and rose in the first trading session after every one of those beats; its most recent report in our data, on February 5, 2026, came in 14.29% below the estimate and the stock moved -4.02% in the first session.

The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.

04

AFRM AI analysis and technical indicators

CleaRank's score and reasoning, the indicators behind it, and what the price moves with.

4.0

Momentum checks

1/3
  • RSI not overbought or oversold ›
    The 14-day RSI is 49.3, in neutral territory.
  • RSI above 50 ›
    An RSI of 49.3 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.
  • MACD line above zero ›
    The MACD line is negative, so the 12-day average is below the 26-day average.

CleaRank Financial AI analysis of AFRM

The score, the reasoning behind it, and what could move the price next.

Company's health
5/5
12-month analyst target
$100.00
+37.59% above price · median of 34 analysts
AI analyst consensus
67/100
Buy
What the AI sees

Affirm Holdings, Inc. (AFRM) is showing a mixed trend. At $72.68, the stock is 0.67% below its 50-day average of $73.17, yet it sits 9.23% above its 200-day average of $66.54. The 50-day average is 9.96% above the 200-day, but the price has slipped beneath the shorter average. Across its 52-week range of $42.10 to $90.44, the price is at 63% of the range, 19.64% below the high.

Recent gains sit against a weaker longer record: the price rose 1.62% over the past month, rose 0.39% over the past three months and fell 4.93% over the past year. The 14-day RSI of 49.3 is in the neutral zone, and the MACD line is negative.

Catalysts
Rewards
  • Analyst upgrade ›

    Wolfe Research upgraded it to Outperform from Peer Perform on September 14, 2026.

    Source: Analyst action, Wolfe Research, September 14, 2026
  • New analyst coverage ›

    Loop Capital started coverage at Buy on September 9, 2026.

    Source: Analyst action, Loop Capital, September 9, 2026
Risks
  • Earnings miss ›

    The February 5, 2026 report missed the EPS estimate by 14.29%, and the share price fell 4.02% in the first session after it.

    Source: Earnings report, February 5, 2026
ProTips
  1. The two nearest levels matter most: the 20-day EMA at $72.99 sits above the price, and the 200-day SMA at $66.54 sits below it.
  2. The 14-day RSI reads 49.3, in the neutral zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
  3. The share price fell 4.02% in the first session after the February 5, 2026 report.
Market outlook

AFRM's trend signals disagree. The price sits above its 200-day average of $66.54 but below its 50-day average of $73.17. Should the price close above the 50-day, both signals would point up; a close below the 200-day would point both down. Looking at the nearest levels, the 200-day SMA at $66.54 sits beneath the price, and the 20-day EMA at $72.99 sits just above it.

AFRM's 14-day RSI reads 49.3, which is in the neutral zone between 40 and 60.

Technical indicators

Momentum and trend for AFRM, from its daily closes.

Technical rating Neutral 1 of 4 signals bullish
  • RSI Neutral
  • SMA cross Bullish
  • Price vs SMA Bearish
  • MACD Bearish
Momentum Neutral
49.314-day RSI
Oversold <30 Neutral Overbought >70
MACD (12, 26) -0.339 Bearish
Trend Golden cross
-0.7%price against the 50-day average
200-day $66.54 50-day $73.17 Price $72.68
Price against the 200-day +9.2% Bullish

As of October 27, 2026, with AFRM at $72.68, its 14-day RSI is 49.3 (neutral territory), its 50-day simple moving average is $73.17 and its 200-day is $66.54.

Calculated by CleaRank on daily closes as of October 27, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26). How we calculate these

What AFRM moves with

Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.

-1 0 +1
S&P 500 (SPY) +0.58 Moderate
Nasdaq 100 (QQQ) +0.54 Moderate
Bitcoin (BTC) +0.33 Weak
Gold (XAU) +0.05 Weak

As of October 27, 2026, AFRM's 1-year correlation of daily returns is +0.58 with S&P 500 (SPY), +0.54 with Nasdaq 100 (QQQ), +0.33 with Bitcoin (BTC) and +0.05 with gold (XAU).

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05

AFRM price target and analyst forecast

The analysts' target range and how their ratings split.

5.0

Analysts checks

3/3
  • Most analysts rate it a buy ›
    27 of 34 analysts rate it a buy or strong buy, 7 a hold and 0 a sell.
  • Median target above the price ›
    The median 12-month target of $100.00 is 37.6% above the price.
  • More buy ratings than three months ago ›
    27 of 34 rate it a buy now, against 25 of 34 three months ago.

AFRM Wall Street View

12-month price targets

Low $66.00 Median $100.00 (+37.6%) High $115.00

Ratings

Buy 27 Hold 7 Sell 0 3 months ago: 25 of 34 buy

Recent rating actions

Recent analyst rating actions on AFRM
Date Firm Action Rating
Oct 13, 2026 Goldman Sachs Maintains Buy
Oct 6, 2026 TD Cowen Maintains Buy
Oct 1, 2026 Freedom Capital Markets Maintains Buy
Sep 16, 2026 Citizens Reiterates Market Outperform
Sep 14, 2026 Wolfe Research Upgrade Outperform
Sep 9, 2026 Loop Capital Initiates Buy

As of October 27, 2026, 34 Wall Street analysts cover AFRM: 27 rate it a buy or strong buy, 7 a hold and 0 a sell or strong sell. Their 12-month price targets range from $66.00 to $115.00. The median AFRM price target is $100.00, 37.6% above the price of $72.68.

Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.

06

AFRM trade plan: entry, stop loss and targets

Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.

AFRM trade plan

Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.

Your bias
Risk per trade 1%
Conservative Aggressive
Portfolio value
$
Position size: Enter portfolio size →

Long entry pick an entry style

Conservative
$71.23
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$72.68
Entry at current price
Higher risk, immediate entry

Risk management

Stop loss
$66.24
Max loss
-7.0%
Volatility-adjusted stop Set from the RSI (49.3) and recent volatility.

Profit targets (Based on Conservative Entry)

Target 1
$74.79
+5% (Conservative) +2.9% (Aggressive)
Target 2
$78.35
+10% (Conservative) +7.8% (Aggressive)
Target 3
$81.91
+15% (Conservative) +12.7% (Aggressive)

AFRM moves about 3.6% a day on average, so a stop can fill well past its level. Educational levels, not financial advice; the full disclaimer is at the foot of the page.

Risk profile

How much AFRM tends to move, against the market and on its own.

Beta
3.82
against the S&P 500; 1 moves with the market
Daily volatility
3.56%
30-day standard deviation
52-week range
$72.68
$42.10 63% of the way up $90.44

Compare AFRM

Put AFRM side by side with other stocks and benchmarks.

07

AFRM price history and drawdowns

AFRM's worst falls and recoveries, what $10,000 became, and which months have been kind to it.

7.0

Track record checks

1/4
  • Average daily move under 2% ›
    The price has moved 3.56% on an average day (30-day standard deviation of daily returns).
  • Recovered from its worst fall ›
    The worst fall was 94.6%, from November 2021 to May 2023; the price is still 56.9% below that peak.
  • Most 1-year holds ended higher ›
    55% of 1-year holding periods in the last 6 years ended with a gain.
  • Beat the S&P 500 since the chart begins ›
    $10,000 invested in January 2021 is now worth $7,211, against $21,752 in the S&P 500 (SPY).

AFRM Drawdowns & Recovery

Worst fall since January 2021
-94.6%
November 2021 to May 2023
Recovery
Not yet
still 56.9% below the November 2021 peak
From the high since January 2021
-56.9%
highest close, November 2021
1-year holds that gained
55%
of every 1-year window

As of October 27, 2026, AFRM's worst peak-to-trough fall over the period since January 2021 with dividends reinvested was -94.6% (November 2021 to May 2023); it is still 56.9% below that peak, and 55% of 1-year holding periods ended with a gain.

From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.

Growth of $10,000

What $10,000 put into AFRM in January 2021 is worth now, against the same amount in the S&P 500.

AFRM today
$7,211
from $10,000 in January 2021, dividends reinvested
S&P 500 today
$21,752
the same $10,000 in SPY
Behind the index by
$14,541
0.3x the index result
Total change
-28%
0.7x the starting amount
20222023202420252026
AFRM S&P 500 (SPY)

Against the market: AFRM trailed the S&P 500 over this period: $7,211.12 against $21,752.

A $10,000 investment in AFRM in January 2021 would be worth about $7,211 today with dividends reinvested, compared with about $21,752 for the same investment in the S&P 500 benchmark (also with dividends reinvested).

Seasonal patterns

Which calendar months have been kind to AFRM, and which have not.

Jan1/5 upFeb1/6 upMar1/6 upApr3/6 upMay3/6 upJun5/6 upJul3/6 upAug6/6 upSep4/6 upOct2/5 upNov3/5 upDec2/5 up

Strongest month, November: an average of +22.05%, up in 3 of 5 years.

Weakest month, February: an average of -14.91%, up in 1 of 6 years.

This month, October: has averaged +2.11%, up in 2 of 5 years. Past seasonality does not repeat on schedule.

Over the last 6 years, AFRM's strongest calendar month has been November (average +22.05%, up in 3 of 5 years) and its weakest February (average -14.91%, up in 1 of 6 years).

Average return for each calendar month over the last 6 years, from weekly closing prices with dividends included.

08

AFRM stock price prediction 2030

Thousands of simulated paths from the price history. A range of outcomes, not a forecast.

Monte Carlo projection

Thousands of simulated paths for $10,000 in AFRM, from its own past volatility. The shaded area holds 80% of them.

Downside, 2030
$2,764
10th percentile
Base case, 2030
$9,957
median path
Upside, 2030
$35,869
90th percentile
20262027202820292030
Upside (90th) Base case (median) Downside (10th) 10th to 90th percentile

CleaRank's 4-year Monte Carlo simulation, based on 6 years of price history, projects that a $10,000 investment in AFRM today could grow to about $9,957 by 2030 in the base case, with a 90th-percentile outcome near $35,869 and a 10th-percentile outcome around $2,764. Projections are statistical simulations, not guarantees.

AFRM Stock Price Prediction 2030: Simulated Scenarios

The same simulation in share prices, year by year.

Price today
$72.68
Base case, 2030
$72.37
1.0x over 4 years
Range, 2030
$20.09 to $261
10th to 90th percentile

CleaRank's simulation projects a price near $72.37 for AFRM by 2030 in the base case, from $72.68 today (1.0x over 4 years). The 10th-percentile path ends near $20.09. These are outcomes of a Monte Carlo simulation run on AFRM's historical return distribution, not price targets, and they assume no dividends are reinvested.

AFRM simulated price paths by year
Year 10th percentile Base case 90th percentile range base today
2027 $38.25 $72.60 $138
2028 $29.30 $72.52 $179
2029 $23.88 $72.45 $220
2030 $20.09 $72.37 $261

Method: a lognormal simulation of AFRM's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles. How the simulation works

09

AFRM insider trading

What the people running the company have bought and sold.

AFRM insider trading

Shares the company's directors and officers bought and sold, from their own filings.

Bought
None
no open-market buys
Sold
$192.5M
34 open-market sales
Insiders filing
18
over the last 18 months
Average trade
$5.7M
buys and sales together

Month by month

Open-market purchases above the line, sales below.

May '25Aug '25Nov '25Feb '26May '26Aug '26Oct '26

Net insider selling: No insider bought AFRM shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.

As of October 27, 2026, AFRM insiders reported 34 open-market sales worth $192.5M and no open-market purchases over the last 18 months; grants and option exercises are not counted.

Insider transactions in AFRM
Date Insider Type Shares Value
Oct 9, 2026
Robert Warren O'Hare
Chief Financial Officer
Sell 65.6K $5.2M
Oct 9, 2026
Robert Warren O'Hare
Chief Financial Officer
Option 65.6K $1.8M
Sep 14, 2026
Siphelele N Jiyane
Officer
Sell 27.0K $1.9M
Sep 4, 2026
Siphelele N Jiyane
Officer
Sell 25.0K $1.8M
Sep 3, 2026
Katherine Elizabeth Adkins
Officer
Sell 83.3K $6.1M
Sep 3, 2026
Katherine Elizabeth Adkins
Officer
Option 93.9K $1.9M
Sep 2, 2026
Robert Warren O'Hare
Chief Financial Officer
Sell 21.6K $1.6M
Sep 1, 2026
Siphelele N Jiyane
Officer
Grant 9.0K -
Sep 1, 2026
Michael Alan Linford
President
Grant 11.7K -
Sep 1, 2026
Libor Michalek
President
Grant 11.4K -
Page 1 of 12

Source: TwelveData, from SEC Form 4 filings

10

AFRM stock forecast: questions people ask

Answered from the figures on this page, as of October 27, 2026.

AFRM Forecast: Frequently Asked Questions

Is Affirm Holdings, Inc. (AFRM) a buy right now?
CleaRank's model scores AFRM 67/100, a Buy rating. The analysts' outlook carries the score: 27 of 34 analysts rate it a buy and the median target is 37.6% above the price. Momentum holds the score back, because the MACD line is negative. This describes the data on this page and is not a personal recommendation.
How has Affirm Holdings, Inc. (AFRM) performed over the past year?
The price fell 4.93% across the past year. Shorter stretches tell a different story, with a 0.39% gain over three months and a 1.62% rise in the past month. Even so, the stock trades 19.64% below its 52-week high of $90.44.
What are the key price levels for AFRM?
Overhead, the first levels are the 20-day EMA at $72.99 and the 50-day SMA at $73.17. Underneath the price, the nearest levels are the 200-day SMA at $66.54 and the 52-week low at $42.10.
Is AFRM expensive compared with Financial Services stocks?
The price-to-sales ratio of 6.17 runs 62.5% above the sector median of 3.8. These medians are drawn from 72 stocks across the entire sector rather than just direct rivals.
What do Wall Street analysts think of AFRM?
Of the 34 analysts following AFRM, 27 recommend buying it, 7 recommend holding, and none recommend selling. The median 12-month price target is $100.00, which is 37.6% above the current price.
How often has AFRM beaten earnings estimates?
AFRM beat the EPS estimate in 2 of the 4 reports in our data, and the share price did not fall in the first session after any of those beats.
How volatile is AFRM?
On an average day AFRM's price moves 3.56%, based on the 30-day standard deviation of daily returns. Measured against the S&P 500, its beta is 3.82.
Are AFRM insiders buying or selling?
Insiders sold $192.5M of stock over the last 18 months and bought none on the open market. Those sales are often planned in advance or made to cover tax on vesting shares, which means they say less than purchases would.
What is the 52-week range of AFRM?
Over the past 52 weeks, AFRM has ranged from $42.10 to $90.44. At $72.68, the stock sits at 63% of that span, 72.66% above the low and 19.64% below the high.
Is AFRM in an uptrend?
Not clearly. Affirm Holdings, Inc. (AFRM) trades at $72.68, above its 200-day but below its 50-day moving average ($66.54 and $73.17). Its 14-day RSI on daily closes is 49.3, in neutral territory.

Disclaimer: CleaRank.com is a financial data and analytics provider, not a registered investment advisor, broker-dealer, or financial regulatory body. The stock analysis, trade plans, and AI-generated signals presented for AFRM are for educational and informational purposes only and do not constitute financial advice, investment recommendations, or an offer to buy or sell any securities. All trade setups and performance metrics shown are hypothetical, hindsight-based, and simulated. They do not represent actual trades made by CleaRank or its affiliates. Stock prices can be volatile and are subject to market, economic, and company-specific risks. Market data is provided "as-is" and may be delayed by 15 minutes or more. We do not guarantee the accuracy, completeness, or timeliness of any data. You should never invest money you cannot afford to lose. Past performance does not guarantee future results. Consult a qualified financial advisor before making any investment decisions. Analysis generated on October 27, 2026.

Disclaimer:

Engaging in financial markets carries significant risk of total capital loss. Markets are volatile, unpredictable, and past success does not guarantee future results. Never invest funds you cannot afford to lose. CleaRank does not offer financial, investment, or advisory services. We provide no recommendations, endorsements, or guarantees regarding market outcomes. You alone are responsible for your decisions.

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