Is AFRM stock a Buy, Sell, or Hold?

Based on our analysis, AFRM is currently a WAIT with low confidence. 📊 MIXED SIGNALS: AFRM shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of AFRM stock?

Our analysis estimates the fair value range for AFRM to be between $72.10 and $77.91. The current price is $71.44.

What is the analyst price target for AFRM?

The average Wall Street analyst price target for AFRM is $99.39. This implies a potential upside of 39.1% from current levels.

Affirm (AFRM) Stock: Buy, Sell, or Hold?

AFRM - Affirm Holdings, Inc. Class A Common Stock

PERSONAL CREDIT INSTITUTIONS

$71.44

3.45 (5.07%) ▲

5d: -3.85%

30d: -2.67%

90d: +7.44%

WAIT

LOW Confidence

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Analysis Updated: Sep 11, 2026 12:00 AM ET

Earnings: Nov 05, 2026

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 31, 2026 at $74.07 · last confirmed Sep 9, 2026

Strength: 5.7/10

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 MIXED SIGNALS: AFRM shows conflicting indicators. Wait for confirmation before entering.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 15.8%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$112.90

Based on 9.9% avg growth

INTRINSIC VALUE TODAY

$70.10

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 18.8x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: AFRM is currently trading at $71.44, which is considered oversold relative to its 30-day fair value range of $72.10 to $77.91. The stock's valuation (Forward PE: 19.0) is in line with its historical norms (18.8). At these levels, the market is pricing in 0.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, AFRM is in a strong uptrend. Immediate support is located at $66.03, while resistance sits at $90.44. The stock is showing strong short-term momentum, up 5.1% recently.

Market Sentiment: AFRM scores 25/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $99.39 (+39.1%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $72.10 - $77.91

Company Quality Score 51/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 62.9%

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All Signals

BULLISH: Price oversold vs 30-day range
BEARISH: Weak technical setup (25/100)
BULLISH: High volume confirmation
BULLISH: Strong upward momentum (+5.1%)
BULLISH: Trading 39.1% below Wall St target ($99.39)
NEUTRAL: Market pricing in 0.4% annual earnings growth - fairly valued
WARNING: Composite score 51/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $72.10 - $77.91

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $66.03

Resistance Level $90.44

Current Trend Strong Uptrend

Technical data as of Sep 11, 2026

Fundamental Context

Forward P/E (Next Year Est.) 19.00

Wall Street Target $99.39 (+39.1%)

Revenue Growth (YoY) 33.0%

Earnings Growth (YoY) 2186.9%

Profit Margin 45.3%

Valuation Premium vs History +0.4% premium

PE vs Historical 19.0 vs 18.8 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +0.4% (market-implied from PE analysis)

1-Year Target $71.73 (+0%)

2-Year Target $72.01 (+1%)

3-Year Target $72.30 (+1%)

3-Yr Target (if PE normalizes) (PE: 19→19) PE COMPRESSION $71.53 (+0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.2, Growth: 15.8%) $117.61 (+65%)

Base: (SPY PE: 19.0, Growth: 15.8%) $110.81 (+55%)

Bear: (PE: 16.2, Growth: 15.8%) $94.19 (+32%)

📈 Valuation based on Current Earnings

Trailing PE: 12.34 | Current EPS (TTM): $5.51

Bull Case $51.03 (-29%)

Analyst growth -31.8%, PE expands to 13.6

Base Case $46.39 (-35%)

Market implied -31.8%, PE stable at 12.3

Bear Case $46.23 (-35%)

Severe decline -20.0%, PE contracts to 10.5

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: September 12, 2026 2:04 AM ET
Data refreshes hourly during market hours. Next update: 3:04 AM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

Sells

Net

INSIDERS SELLING

Recent Transactions

Noel Bertram Watson SELL 2000 shares 2026-04-14

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