NASDAQFinancialsCredit ServicesSnapshot 2026-07-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Improve operating margin to 9.5-11.5% in Q4 2026: operating margin 8.5% vs target 9.5%.
View ThesisRevenue is growing steadily — about 32% over the past year.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 31%, softest on returns on capital.
View QualityManagement screens weak on earnings delivery, margins, the balance sheet.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationThis stock is highly volatile — it swings about 3% on a typical day and fell roughly 54% in its worst 12-month stretch.
View RiskAFRM's growth depends on improving operating margins to meet targets. The latest operating margin is 8.5%, below the target of 9.5-11.5%. It trades at 6.7 times price-to-book, compared to a peer median of 2.0 times. The market is pricing in more growth than expected, indicating high expectations. A specific risk is the 28% chance of missing guidance on the next call. Peer multiples imply a price about 42% below where it trades. This read is provisional; the thesis is on watch.
Trailing returns as of 2026-07-31. AFRM is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 34 analysts currently covering AFRM (as of Jul 2026).
Based on 12 Wall Street analysts offering 12-month price targets for AFRM in the last 4 months.
A consensus fair price across 7 valuation methods, at three horizons. As of 2026-08-01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Advances: Achieve $4.2B revenue for fiscal year 2026
Positive consumer sentiment supports revenue growth.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $71.51
The last 12 months of price, then the range of analyst 12-month targets from today’s $71.51.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Bank charter diversifies funding sources.
Advances: Achieve $4.2B revenue for fiscal year 2026
Growth drivers align with revenue targets.
