Affirm Holdings Inc (AFRM)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-10-29
$74.84+2.07%
Close 2026-10-29 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-10-29
Research Workspace
Put AFRM beside peers and holdings, graph the same metric, and keep your notes with the evidence.
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.
The reason to own it still holds.
View ThesisRevenue is growing steadily — about 32% over the past year.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 34%, softest on free-cash-flow yield.
View QualityManagement screens weak on earnings delivery, the balance sheet.
View ManagementExpectations look high — the market is pricing in about 60% growth a year, above the roughly 33% analysts expect, leaving little room for error.
View ValuationThis stock is highly volatile — it swings about 2% on a typical day and fell roughly 49% in its worst 12-month stretch.
View RiskAffirm’s loan-approval AI and product partnerships must support growth, though recent revenue trends are unavailable. The company’s recent financial performance is strong, and its new AI model advances product offerings. Affirm trades at 5× P/B versus a 1× peer median and 5× its own history. The market prices in more growth than forecast, so expectations look full. Its premium over peers must be earned; our model puts the next-quarter miss probability near 22%. Peer multiples imply a price about 60% below where it trades. Our read remains intact, though this read is provisional.
Trailing returns as of 2026-10-29. AFRM is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 35 analysts currently covering AFRM (as of Oct 2026).
Based on 19 Wall Street analysts offering 12-month price targets for AFRM in the last 4 months.
Continue this research
Compare AFRM with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
Compare now without an account. Saving and monitoring require an account.
| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| AFRM Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 6 valuation methods, at three horizons. As of 2026-10-29. 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.
Compare the value case
Put AFRM next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Expand partnerships and product offerings
New AI model enhances product offerings and partnership potential.
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 2026-10-29. EPS is implied from price ÷ P/E. Not investment advice.
Current $74.84
The last 12 months of price, then the range of analyst 12-month targets from today’s $74.84.
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.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Achieve $4.2B revenue for fiscal year 2026
Analysts support growth roadmap, aligning with revenue goals.
Advances: Expand partnerships and product offerings
New card initiative expands product offerings significantly.
Advances: Expand partnerships and product offerings
Expansion in Australia supports growth and partnership objectives.
Threatens: Achieve $4.2B revenue for fiscal year 2026
Fiscal 2027 revenue guidance below expectations.
Advances: Achieve $4.2B revenue for fiscal year 2026
Beating revenue estimates aligns with growth targets.
Advances: Achieve $4.2B revenue for fiscal year 2026
Healthy guidance aligns with revenue growth target.
Advances: Achieve $4.2B revenue for fiscal year 2026
Snapshot confirms positive earnings performance.
