AI PRICE FORECAST
AFRM Stock Forecast & AI Price Prediction
Affirm Holdings · Financial Services · Credit Services
AFRM live signal snapshot
AFRM last traded at $67.84, up 2.87% on the session, trading 25.0% below its 52-week high of $90.44 and 61.2% above its 52-week low of $42.09. Stock Pulse 247's AI model currently rates AFRM a SELL, at 83% model confidence. Short-term momentum is deteriorating: the 5-, 10- and 20-day moving averages are stacked downward and price is holding below the 50-day average. The model's one-month path points toward roughly $65.22 (-3.9% from here).
On the 14-day relative strength index, AFRM reads 45.4, close to the midpoint, so momentum gives neither side an edge. Its MACD line is below its signal line with a negative histogram (-0.71) — downward momentum is accelerating. Its 50-day average ($72.14) is holding 8.5% above the 200-day ($66.47), the pattern chartists call a golden cross.
The average 12-month target from 34 Wall Street analysts is $96.22 (range $66.00–$115.00) — 41.8% upside from where AFRM trades now. The current recommendation trend leans bullish: 29 Buy/Strong Buy ratings vs 0 Sell/Strong Sell (and 7 Hold).
Live figures from real market data feeds, current as of the last site build. Open the interactive AFRM dashboard for numbers updated throughout today's session.
About Affirm Holdings
Affirm Holdings, Inc. (AFRM) is a credit services company in the financial services sector, headquartered in San Francisco, CA, United States. Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. It has a market value of about $23.0 billion and roughly 2,358 full-time employees. With a beta of 3.71, the stock has historically swung more than the overall market.
AFRM performance vs. the market
AFRM is down 8.9% so far in 2026, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). On a one-year view it is down 10.8%, 22.3 points worse than the S&P 500. The last month (−12.9%) continues the three-month decline (−13.4%).
| Period | AFRM | Sector (XLF) | S&P 500 |
|---|---|---|---|
| 1 month | −12.9% | +7.0% | −2.3% |
| 3 months | −13.4% | +0.6% | −2.3% |
| Year to date | −8.9% | +7.0% | +11.4% |
| 1 year | −10.8% | +10.7% | +11.5% |
Affirm Holdings financials at a glance
In the quarter ended Sep 30, 2026, Affirm Holdings reported revenue of $1.3 billion and net income of $164 million (a 13.0% net margin). Revenue was up 35.2% from the same quarter a year earlier. The stock trades at a price-to-earnings ratio of 11.8 on trailing earnings of $5.77 per share. Trailing free cash flow was $879 million, and total debt equals 182% of shareholders' equity.
| Quarter ended | Revenue | Net income |
|---|---|---|
| Sep 30, 2026 | $1.3B | $164M |
| Jun 30, 2026 | $1.2B | $1.6B |
| Mar 31, 2026 | $1.0B | $103M |
| Dec 31, 2025 | $1.1B | $130M |
AFRM vs. its peers
Against 5 of its largest financial services peers, AFRM's −8.9% year-to-date return beats 2 of them. The strongest of the group this year is Visa (V, +21.3%).
| Company | Price | YTD | P/E | AI verdict |
|---|---|---|---|---|
| Affirm Holdings (AFRM) | $67.84 | −8.9% | 11.8 | SELL |
| Visa (V) | $425.55 | +21.3% | 34.5 | BUY |
| Mastercard (MA) | $660.73 | +15.7% | 34.6 | BUY |
| American Express (AXP) | $323.11 | −12.7% | 18.2 | HOLD |
| Capital One Financial (COF) | $197.11 | −18.7% | 12.1 | SELL |
| PayPal Holdings (PYPL) | $59.48 | +1.9% | 11.4 | BUY |
AFRM stock: common questions
What is the AFRM stock price target?
34 Wall Street analysts put the average 12-month target at $96.22, in a range of $66.00–$115.00, versus a recent price of $67.84. Stock Pulse 247's model projects about $65.22 over the next month.
Is AFRM a buy right now?
Our AI model currently rates AFRM a SELL at 83% confidence. Among analysts, 29 rate it Buy or Strong Buy, 7 Hold and 0 Sell. Neither is personal advice — weigh them with your own research and risk tolerance.
How has AFRM stock performed this year?
AFRM is down 8.9% so far in 2026, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). On a one-year view it is down 10.8%, 22.3 points worse than the S&P 500. The last month (−12.9%) continues the three-month decline (−13.4%).
What is AFRM's 52-week high and low?
AFRM has traded between $42.09 and $90.44 over the past 52 weeks; at $67.84 it is 25.0% below its 52-week high of $90.44 and 61.2% above its 52-week low of $42.09.
What sector is AFRM in, and who are its peers?
AFRM is in the financial services sector (credit services). Its largest peers on Stock Pulse 247 include Visa (V), Mastercard (MA), American Express (AXP), Capital One Financial (COF).
How accurate is the AFRM forecast?
It's a model estimate from price history, technical indicators and analyst targets, not a guarantee — no model predicts short-term moves reliably. Use it as one input alongside your own research.
How this works: the forecast combines AFRM's price history, momentum indicators (RSI, MACD, moving averages), volatility and analyst targets into one estimate. It's a model, not a guarantee.