AFRM
Affirm Holdings, Inc. Class A Common Stock
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Affirm (AFRM) Stock: Buy, Sell, or Hold?
$68.86
+2.91 (+4.41%)
▲
5d:
-8.9%
30d:
-11.59%
90d:
-12.08%
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70/30 Portfolio Builder
Earnings: Nov 05, 2026
0d
Protect AFRM Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (84%)
Quality Score
51/100
Position
OVERSOLD
30-Day Fair Range
$69.75 – $76.52
Position: OVERSOLD
Forward P/E & Valuation
17.5x
FAIR
vs 18.8x historical avg
Wall Street Target
$96.22
+45.9% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$64.55 / $77.93
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: AFRM shows conflicting indicators. Wait for confirmation before entering.
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Nov 2, 2026 at $74.58 · last confirmed Nov 10, 2026
Strength: 8.0/10
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$112.90
Based on 9.9% avg growth
INTRINSIC VALUE TODAY
$70.10
1.8% Margin of Safety
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.
In-depth Analysis How we analyze
Valuation Analysis: AFRM is currently trading at $68.86, which is considered oversold relative to its 30-day fair value range of $69.75 to $76.52. The stock's valuation (Forward PE: 17.5) is in line with its historical norms (18.8). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% over the next few years. This pessimistic expectation contrasts with the company's recent 101.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, AFRM is in a strong uptrend. Immediate support is located at $64.55, while resistance sits at $77.93. The stock is showing strong short-term momentum, up 4.4% recently.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $96.22 (+45.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, AFRM is in a strong uptrend. Immediate support is located at $64.55, while resistance sits at $77.93. The stock is showing strong short-term momentum, up 4.4% recently.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $96.22 (+45.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$69.75 -
$76.52
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
84.3%
Trading Range & Key Levels
30-Day Trading Range
$69.75 -
$76.52
Current vs Trading Range
OVERSOLD
Support Level
$64.55
Resistance Level
$77.93
Current Trend
Strong Uptrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding AFRM? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.4%)
- BULLISH: Trading 45.9% below Wall St target ($96.22)
- WARNING: Composite score 51/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
17.54
Wall Street Target
$96.22
(+45.9%)
Revenue Growth (YoY)
35.2%
Earnings Growth (YoY)
101.4%
Profit Margin
43.9%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
17.5 vs 18.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$64.37
(-2%)
2-Year Target
$62.82
(-5%)
3-Year Target
$61.31
(-7%)
3-Yr Target (if PE normalizes)
(PE: 18→19)
$65.71
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 15.8%)
$115.80
(+76%)
Base:
(SPY PE: 17.5, Growth: 15.8%)
$102.29
(+55%)
Bear:
(PE: 14.9, Growth: 15.8%)
$86.95
(+32%)
📈
Valuation based on Current Earnings
Trailing PE: 11.79 | Current EPS (TTM): $5.77
Bull Case
$48.76
(-26%)
Analyst growth -34.8%, PE expands to 13.0
Base Case
$44.32
(-33%)
Market implied -34.8%, PE stable at 11.8
Bear Case
$46.26
(-30%)
Severe decline -20.0%, PE contracts to 10.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 17.5 to 18.8
Stabilization Target:
$70.67
(+7.2%)
PE Expansion Potential:
+7.2%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (AFRM)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 10, 2026
Daily AI digest
AI Retail Discussion Summary:
Affirm reported Q3 CY2026 revenue and EPS above expectations, with sales up 35.2% YoY. Management attributed growth to continued momentum in buy now, pay later offerings and new verticals, but acknowledged increased provision expenses and delinquencies contributed to negative sentiment.
Key Retail Themes:
Strong revenue growth
Continued expansion in product offerings
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 1:17 PM ET
Data refreshes hourly during market hours. Next update: 2:17 PM
Data refreshes hourly during market hours. Next update: 2:17 PM
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Technical Signals Check
Is AFRM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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