Affirm Holdings Inc (AFRM)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$72.35-2.62%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
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 33%, softest on free-cash-flow yield.
View QualityManagement screens weak on earnings delivery, margins, the balance sheet.
View ManagementExpectations look high — the market is pricing in about 48% growth a year, above the roughly 30% analysts expect, leaving little room for error.
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 trajectory relies on achieving $4.2 billion in revenue for fiscal year 2026. Recent earnings beat expectations, supporting this growth claim. The stock trades at 4.6× price-to-book, above the peer median of 1.6×. This suggests the market is pricing in more growth than forecasted. Risks include a 20% probability of missing earnings expectations, which could lead to valuation compression. Peer multiples imply a price about 48% below where it trades. Our read remains provisional.
Trailing returns as of 2026-09-04. 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 Sep 2026).
Based on 15 Wall Street analysts offering 12-month price targets for AFRM in the last 4 months.
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Compare AFRM with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| 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 2026-09-06. 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: Achieve $4.2B revenue for fiscal year 2026
Analysts support growth roadmap, aligning with revenue goals.
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 2026-09-04. EPS is implied from price ÷ P/E. Not investment advice.
Current $72.35
The last 12 months of price, then the range of analyst 12-month targets from today’s $72.35.
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: 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.
Advances: Achieve $4.2B revenue for fiscal year 2026
Positive consumer sentiment supports revenue growth.
