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Affirm Holdings (AFRM)
NASDAQ:AFRM
AFRM Analyst Ratings
Moderate Buy
15 Buy
6 Hold
0 Sell
TipRanks enables you to focus on the analyst rating consensus of all analysts or only the top performers in the past 3 months
AFRM Stock 12 Month Forecast
Average Price Target
$93.50
▲(22.98% Upside)
| Highest Price Target$115.00 | Average Price Target$93.50 | Lowest Price Target$74.00 |
The highest, average, and lowest price target of all analysts. Click on ‘Top Analysts’ to focus on the best performers.
Detailed List of Analyst Forecasts
Detailed List of Analyst Forecasts
Citizens JMP
$105
Buy
38.10%
Upside
Reiterated
09/25/25
Oppenheimer
$80→$95
Buy
24.95%
Upside
Reiterated
09/25/25
Jefferies
$95→$110
Buy
44.68%
Upside
Reiterated
09/23/25
RBC Capital
$97
Hold
27.58%
Upside
Reiterated
09/22/25
Mizuho Securities
$108→$100
Buy
31.53%
Upside
Reiterated
09/16/25
Evercore ISI
$100
Buy
31.53%
Upside
Reiterated
09/16/25
Analysts Are Bullish on These Technology Stocks: Affirm Holdings (AFRM), CoreWeave (CRWV)We tested the onboarding experience with the new iOS 26 and it was pretty smooth - causing us to be more optimistic about the adoption potential over time. We expect to get more color on early uptake trends on the Sept earnings call and how this could potentially impact the medium-term growth expectations (we project mid-to-high 20%s GMV growth into FY28) given its increased convenience for consumers at the physical POS.
Goldman Sachs
$105
Buy
38.10%
Upside
Reiterated
09/16/25
Truist Financial
$72→$95
Buy
24.95%
Upside
Assigned
09/12/25
Needham
―
Hold
―
Reiterated
09/10/25
William Blair
―
Buy
―
Reiterated
09/08/25
Analysts Offer Insights on Technology Companies: Powerfleet (NASDAQ: AIOT) and Affirm Holdings (NASDAQ: AFRM)We encourage investors to build Affirm positions, even with the stock +43% year-to-date (SPX +10%). Affirm is a fintech category killer, in our view, justifying a premium valuation. We define category killers as companies capable of transforming traditional fintech markets. We see Affirm as the undisputed BNPL (buy now, pay later) leader in a consumer tender category with just over 1% of U.S. spend. Over time, we anticipate BNPL will capture a much greater share of spend and Affirm will be the principle catalyst and beneficiary of this shift.
TR | OpenAI - 4o
$90
Buy
18.37%
Upside
Upgraded
09/03/25
AI Generated ArticleAI Generated Article
TD Cowen
$90→$115
Buy
51.26%
Upside
Reiterated
08/29/25
Morgan Stanley
$70→$90
Hold
18.37%
Upside
Reiterated
08/29/25
J.P. Morgan
$91→$94
Buy
23.64%
Upside
Reiterated
08/29/25
UBS
$56→$85
Hold
11.80%
Upside
Reiterated
08/29/25
Ranks
Any
Analyst Rating
Any
Upside/ Downside
Any
Action
Any
Citizens JMP
$105
Buy
38.10%
Upside
Reiterated
09/25/25
Oppenheimer
$80→$95
Buy
24.95%
Upside
Reiterated
09/25/25
Jefferies
$95→$110
Buy
44.68%
Upside
Reiterated
09/23/25
RBC Capital
$97
Hold
27.58%
Upside
Reiterated
09/22/25
Mizuho Securities
$108→$100
Buy
31.53%
Upside
Reiterated
09/16/25
Evercore ISI
$100
Buy
31.53%
Upside
Reiterated
09/16/25
Analysts Are Bullish on These Technology Stocks: Affirm Holdings (AFRM), CoreWeave (CRWV)We tested the onboarding experience with the new iOS 26 and it was pretty smooth - causing us to be more optimistic about the adoption potential over time. We expect to get more color on early uptake trends on the Sept earnings call and how this could potentially impact the medium-term growth expectations (we project mid-to-high 20%s GMV growth into FY28) given its increased convenience for consumers at the physical POS.
Goldman Sachs
$105
Buy
38.10%
Upside
Reiterated
09/16/25
Truist Financial
$72→$95
Buy
24.95%
Upside
Assigned
09/12/25
Needham
―
Hold
―
Reiterated
09/10/25
William Blair
―
Buy
―
Reiterated
09/08/25
Analysts Offer Insights on Technology Companies: Powerfleet (NASDAQ: AIOT) and Affirm Holdings (NASDAQ: AFRM)We encourage investors to build Affirm positions, even with the stock +43% year-to-date (SPX +10%). Affirm is a fintech category killer, in our view, justifying a premium valuation. We define category killers as companies capable of transforming traditional fintech markets. We see Affirm as the undisputed BNPL (buy now, pay later) leader in a consumer tender category with just over 1% of U.S. spend. Over time, we anticipate BNPL will capture a much greater share of spend and Affirm will be the principle catalyst and beneficiary of this shift.
TR | OpenAI - 4o
$90
Buy
18.37%
Upside
Upgraded
09/03/25
AI Generated ArticleAI Generated Article
TD Cowen
$90→$115
Buy
51.26%
Upside
Reiterated
08/29/25
Morgan Stanley
$70→$90
Hold
18.37%
Upside
Reiterated
08/29/25
J.P. Morgan
$91→$94
Buy
23.64%
Upside
Reiterated
08/29/25
UBS
$56→$85
Hold
11.80%
Upside
Reiterated
08/29/25
Best Analysts Covering Affirm Holdings
1 Month
xxx
Success Rate
7/11 ratings generated profit
Average Return
+7.60%
reiterated a xxx
rating 7 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 1 Month would result in 63.64% of your transactions generating a profit, with an average return of +7.60% per trade.
3 Months
xxx
Success Rate
19/30 ratings generated profit
Average Return
+22.39%
reiterated a xxx
rating 3 months ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 3 Months would result in 63.33% of your transactions generating a profit, with an average return of +22.39% per trade.
1 Year
Success Rate
9/11 ratings generated profit
Average Return
+33.69%
reiterated a buy rating 7 days ago
Copying John Hecht's trades and holding each position for 1 Year would result in 81.82% of your transactions generating a profit, with an average return of +33.69% per trade.
2 Years
xxx
Success Rate
31/43 ratings generated profit
Average Return
+135.42%
reiterated a xxx
rating 14 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 2 Years would result in 72.09% of your transactions generating a profit, with an average return of +135.42% per trade.
The Best Analyst Covering tool allows you to follow the analysts who have the best success rates and average returns on a specific stock. Only analysts that gave a Buy or Sell rating on the stock in the past 12 months are eligible for inclusion in this tool. Follow the analysts of your choice to receive real-time updates when they publish a new rating.
AFRM Analyst Recommendation Trends
Rating
May 25
Jun 25
Jul 25
Aug 25
Sep 25
Strong Buy
11
7
5
0
0
Buy
22
18
21
25
32
Hold
16
11
15
14
14
Sell
0
0
0
0
0
Strong Sell
0
0
0
0
0
total
49
36
41
39
46
Each month's total comprises the sum of three months' worth of ratings.
AFRM Financial Forecast
AFRM Stock Forecast FAQ
What is AFRM’s average 12-month price target, according to analysts?
Based on analyst ratings, Affirm Holdings’s 12-month average price target is 93.50.
What is AFRM’s upside potential, based on the analysts’ average price target?
Affirm Holdings has 22.98% upside potential, based on the analysts’ average price target.
Can I see which stocks the top-ranking analysts are rating?
Yes, go to the Analysts’ Top Stocks tool to see stocks with a Strong Buy or Strong Sell analyst rating consensus, according to the top performers.
How can I follow the stock ratings of top Wall Street analysts?
Head over to our Expert Center to see a list of the top 100 Wall Street analysts and follow the analysts of your choice. Visit their profiles for more details about their stock ratings and see how they perform on a stock-by-stock basis.
Is AFRM a Buy, Sell or Hold?
Affirm Holdings has a consensus rating of Moderate Buy which is based on 15 buy ratings, 6 hold ratings and 0 sell ratings.
What is Affirm Holdings’s price target?
The average price target for Affirm Holdings is 93.50. This is based on 21 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $115.00 ,the lowest forecast is $74.00. The average price target represents 22.98% Increase from the current price of $76.03.
The highest analyst price target is $115.00 ,the lowest forecast is $74.00. The average price target represents 22.98% Increase from the current price of $76.03.
What do analysts say about Affirm Holdings?
Affirm Holdings’s analyst rating consensus is a Moderate Buy. This is based on the ratings of 21 Wall Streets Analysts.
How can I buy shares of AFRM?
Open a brokerage account, see exclusive account opening deals on our Best Online Brokers page.