Affirm Holdings (AFRM) Stock Forecast for 2024, 2025, 2026. Sell or Buy Prediction







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Affirm Holdings (AFRM) Stock Forecast for 2024, 2025, 2026. Sell or Buy?

Updated: October 16, 2024 (03:32)

Sector: Technology

The share price of Affirm Holdings, Inc. (AFRM) now

Latest session on the 15th of October for
Affirm Holdings, Inc. is negative
Trading Volume: 9262176
Open: 49.34 /  High: 50.09 /  Low: 47.23
What analysts predict: $45.67
52-week High/Low: $52.48 / $15.97
50-Day Moving Average: $36.94 — support level today
200-Day Moving Average: $35.48 — support level today

News Impact Analyzer

Full report
This Week
Bullish Impact: 5 News: 3 (3/0/0)
Previous Week
Bullish Impact: 5 News: 2 (2/0/0)
Two Weeks Ago
Na Impact: Na News: Na
Three Weeks Ago
Bullish Impact: 5 News: 1 (1/0/0)

Analysts predictions

Full report
This Week
Bullish Opinions: 1 (1/0/0)
Previous Week
Neutral Opinions: Na
Two Weeks Ago
Neutral Opinions: Na
Three Weeks Ago
Bullish Opinions: 2 (1/1/0)

Analyzing the Most Important AFRM news

Wedbush Upgrades Affirm on Rate Environment Optimism

Oct 14, 2024
Trend: Bullish
Influence: 7
The upgrade from Wedbush to Neutral reflects a positive shift for Affirm due to the benefits of a lower interest rate environment, which reduces funding costs and supports growth. This change in sentiment is likely to create optimism among investors, potentially driving the stock price higher in the short term as market conditions improve.

Affirm's Strategy Wins Wells Fargo Boost Amid Promising Growth

Oct 11, 2024
Trend: Bullish
Influence: 8
The upgrade by Wells Fargo and a significant price target increase reflect growing confidence in Affirm's strategic moves and partnerships, particularly with Apple Pay. Improved market positioning and a stronger valuation case suggest a bullish trend. These developments, combined with strong analyst support, are likely to positively influence AFRM's stock price in the near future.

Affirm Gains Momentum with Hedgeye's Long Idea and Morgan Stanley Upgrade

Oct 09, 2024
Trend: Bullish
Influence: 8
The addition of Affirm as a long idea by Hedgeye, along with Morgan Stanley's rating upgrade, suggests a bullish sentiment around Affirm. These endorsements highlight improved consumer attraction and potential growth in BNPL usage, likely boosting investor confidence and driving the stock price higher in the near term. High influence due to the positive endorsements.

Historical and forecast chart of Affirm Holdings stock

The chart below shows the historical price of Affirm Holdings stock and a prediction chart for the next month. For convenience, prices are divided by color. Forecast prices include: Optimistic Forecast, Pessimistic Forecast, and Weighted Average Best Forecast. Detailed values for the Affirm Holdings stock price can be found in the table below.

Long-term forecasts by years.

Affirm Holdings, Inc. Analysts predictions review

As of now, Panda has combed through 3 analytical articles which are directly related to AFRM from the last 30 days. Out of these, 2 clearly showcase a bullish trend, while 0 see a bearish trend as the more likely scenario, and 1 stay neutral.

To identify the dominant trend, we took into account analytical articles from the past 30 days, spanning from Sep 16, 2024 to Oct 13, 2024.

Affirm's Strategic Partnerships and Revenue Surge Signal a Bullish Trajectory

Trend: Bullish
Oct 13, 2024

In this review, we delve into Fountainhead's latest analytical piece, where the author's Bullish stance on AFRM stock is prominently featured. Known for compelling insights since 2012, Fountainhead has amassed a notable following, evidenced by nearly 2000 subscribers and an impressive portfolio of 89 publications. This frequency underscores a consistent and prolific contribution to financial discourse, resulting in substantial appreciated author credibility. With metrics reflecting highly authoritative opinions, Fountainhead's perspectives hold significant weight in the financial community. Readers can rely on well-grounded analyses, as Fountainhead combines years of expertise with robust analytical acumen. This combination makes the forthcoming review of the AFRM stock both insightful and influential, especially for those looking to navigate its investment potential with confidence.

Key Theses of the Article

  • Affirm has strong growth potential within the Buy Now Pay Later (BNPL) market.
  • Strategic partnerships, such as with Amazon, Shopify, and Apple, are essential to Affirm's competitive advantage.
  • The company's financial metrics indicate substantial revenue growth and improving operating margins.
  • The BNPL market is underpenetrated and possesses further growth opportunities within the US.

Key Factors Influencing AFRM Stock Price

Strategic Partnerships

Significance: 9 out of 10

Partnerships with industry giants like Amazon, Shopify, and Apple serve as a catalyst for future growth. These alliances secure Affirm's position within e-commerce, providing significant growth potential and penetration into new payment avenues.

Revenue Growth

Significance: 8 out of 10

With a projected 30% revenue growth for FY2025 and a 3-year revenue CAGR of 25%, Affirm's financial growth is a critical indicator of its strong market position and potential for profitability. As revenue increases, so does investor confidence and potential stock value.

Market Position in BNPL

Significance: 7 out of 10

Affirm is leading in an underpenetrated BNPL market, evidenced by a GMV per customer that is nearly three times that of its closest competitors. This market position could provide sustainable long-term growth, contributing to stock stability and value.

Operational Improvements

Significance: 7 out of 10

Improved operating metrics, such as a 46% increase in the top line in FY2024, reflect Affirm's operational efficiencies and ability to scale, adding value to its stock potential. Positive financial forecasts and cost management bolster market optimism.

Interest Rate Environment

Significance: 6 out of 10

High interest rates can dampen customer spending potential and affect loan re-payments, aligning with Fiscal Year projections of reduced demand growth. This factor introduces risk and potential volatility to Affirm's earnings profile and stock performance.

Review the original Analysis

Commentary

Affirm Holdings is on an impressive growth path, driven by its strategic partnerships with heavyweights like Amazon, Shopify, and Apple. These partnerships are predicted to have the most potent impact on the stock's movement, ensuring solid penetration into new markets and avenues. With an 8 average significance across all key factors, Affirm's strategic alliances stand out as primary boosters and hold significant promise for elevating stock value within the next 15 days, enhancing investor confidence.

However, while surging revenue and a leading position in the underexplored BNPL space are promising, Affirm's potential is slightly tempered by the current high-interest rate climate affecting consumer spending. Despite this, Affirm's operational improvements and strategic foresight position it favorably, forecasting a bullish stock trend not only in the coming month but also assuming a sustained upward trajectory as key partnerships solidify and market penetration deepens.

Affirm: Short-Term Gains Amid Long-Term Challenges in the BNPL Landscape

Trend: Neutral
Sep 19, 2024

Marek Malina, a budding contributor since 2024, recently penned a review on the analytical aspects of AFRM stock, maintaining a Neutral stance. Despite having only two publications and 21 subscribers, Malina's insights provide a fresh perspective. However, with the metrics available, it appears that Malina is still in the early stages of establishing his authority in financial analysis, reflecting a cautious approach to the credibility of his analyses. Malina's work offers an opportunity to explore emerging viewpoints in the financial domain while readers should remain aware of the author's developing experience and influence. The review promises to deliver an unbiased perspective on AFRM stock, inviting readers to engage with an objective analysis that contributes to a broader discourse on financial investments.

Key Theses of the Affirm Review

  • Affirm Holdings has potential upside in the short term due to decreasing interest rates, product innovation, and an expanding BNPL market.
  • Affirm's lack of a competitive advantage, intense competition, and significant share dilution are long-term concerns.
  • Future GAAP profitability is expected to improve sentiment towards Affirm stock.
  • Potential regulatory changes could impact Affirm's business operations and profitability.

Factors Influencing Affirm's Stock Price

Decreasing Interest Rates

Significance: 8 out of 10

Lower interest rates make business financing cheaper, potentially improving profit margins and accelerating sales growth. The forecasted rates between 2.5% and 3% by the end of next year could be beneficial for Affirm.

Intense Competition

Significance: 7 out of 10

The presence of established players like PayPal and new entrants in the BNPL market pressures Affirm's profit margins through price wars and necessitates innovation, limiting market share growth.

Lack of Competitive Advantage

Significance: 6 out of 10

Without a significant 'moat', Affirm struggles to maintain unique positioning, restricting long-term sustainable business profits in a rapidly growing market.

Share Dilution

Significance: 5 out of 10

A 5.3% increase in shares outstanding and significant SBC expenses dilute existing shareholder value and suppress potential EPS growth despite profitable business results.

Potential Regulation Changes

Significance: 6 out of 10

Increased regulatory compliance requirements might raise Affirm's operating costs and necessitate changes to its business model, potentially constraining profitability.

Partnership with Apple

Significance: 7 out of 10

Collaboration with Apple, integrating Affirm within Apple Pay's extensive user base, offers substantial revenue opportunities, yet its immediate financial impact remains limited.

Review the original Analysis

Commentary

Affirm Holdings is navigating a complex landscape with potential short-term gains, but it's not all smooth sailing. The prospect of decreasing interest rates, forecasted between 2.5% and 3% by late next year, provides an opportunity for improved margins and sales growth. This could reinforce Affirm's position in the expanding Buy Now, Pay Later (BNPL) market. Moreover, strategic partnerships, notably with Apple, could tap into new customer bases, promising revenue boosts.

However, when we delve deeper, persistent challenges cast a shadow over the long-term outlook. Intense competition, especially from giants like PayPal, coupled with a lack of unique competitive advantage, limits Affirm's growth potential. Share dilution and prospective regulatory changes further complicate the landscape, potentially eroding shareholder value. Considering these variables, the average influence strength points to a neutral short-term trajectory for Affirm's stock, balancing between near-term gains and underlying long-term risks.

Sep 16, 2024
Affirm Holdings: Poised for Strong Gains as Bullish Momentum Builds
Trend: Bullish
Sep 01, 2024
Affirm Holdings: Robust Sales Growth and Positive Forecast Spark Investor Confidence
Trend: Bullish
Aug 30, 2024
Affirm's Path to Profitability: Can Partnerships and Risk Management Drive Long-term Success?
Trend: Bullish
Aug 29, 2024
Affirm's Growth Gains Momentum Amid Valuation Concerns and Profitability Targets
Trend: Neutral
Aug 29, 2024
Affirm Surges Ahead with 33% Revenue Growth and Path to GAAP Profitability
Trend: Bullish

Comprehensive Analysis of Affirm Holdings (AFRM) Stock Market Performance


Our multifaceted analysis of Affirm Holdings's stock market is grounded in the company's key news stories, insights from reputable analysts, as well as mathematical and technical evaluations. Taking into account assessments from each of these aspects in real-time helps us address the most crucial questions for investors in the most objective way possible:

  • When should I take profit in Affirm Holdings stock?
  • When should I record a loss on Affirm Holdings stock?
  • What are analysts' forecasts for Affirm Holdings stock?
  • What is the future of Affirm Holdings stock?

We forecast Affirm Holdings stock performance using neural networks based on historical data on Affirm Holdings stocks.

Affirm Holdings, Inc. News influencing stock rates

As of now, Panda has combed through 6 news items directly related to AFRM from the last 30 days. Out of these, 6 clearly showcase a bullish trend, while 0 display bearish tendencies, and 0 events are neutral.

Based on an analysis of the most important news from the last 30 days affecting AFRM shares, it's clear that bullish sentiments are completely overshadowing bearish ones. The impact of positive news is more than five times as dominant as that of negative developments.

The news analyzed fell within the period from Sep 18, 2024, to Oct 14, 2024.

βeta
Oct 09, 2024

Affirm Attracts High-Income Clients, Earning Morgan Stanley's Upgrade

Trend: Bullish
Influence: 7
The upgrade by Morgan Stanley signifies a positive outlook due to Affirm's strategic moves to attract higher-income consumers. The connection with Apple Pay and easing regulatory burdens further bolster this sentiment. These factors collectively enhance Affirm's growth potential, contributing to a likely increase in its stock value, hence the bullish trend and influence score of 7.
Oct 08, 2024

Affirm Soars as BTIG Goes Bullish, Downgrades American Express

Trend: Bullish
Influence: 8
The post highlights BTIG's upgrade of Affirm to 'Buy', which reflects confidence in the company's financial model and growth prospects. This positive outlook, combined with the downgrade of a competitor like American Express, enhances Affirm's market positioning, likely boosting investor sentiment and driving up the stock price in the near term.
Sep 18, 2024

28 Growth Stocks Set to Surge as Fed Considers Rate Cuts

Trend: Bullish
Influence: 7
With Affirm Holdings (AFRM) listed among top growth stocks poised for gains, the anticipation of Federal Reserve rate cuts enhances its growth prospects. Such cuts typically make borrowing cheaper, fueling expansion and stock performance. This environment provides a favorable backdrop for AFRM, justifying a bullish outlook with significant potential to influence its stock price positively.
Aug 29, 2024

High Volume Movers: DG, CRM, OKTA, HPQ, AFRM Surge

Trend: Bullish
Influence: 8
Affirm Holdings (AFRM) experienced a significant volume spike, with an intraday price action of +34.1%. This demonstrates strong market interest and likely investor confidence, suggesting a bullish trend. Such movements typically have a high influence on future price momentum, potentially driving AFRM’s stock higher in the short term.
Aug 29, 2024

Tech Stocks on the Move: NVDA, CRM Down, AFRM Up on Strong Earnings

Trend: Bullish
Influence: 8
The post indicates an 18% surge in AFRM stock following strong FQ4 earnings and positive guidance for profitability. These promising financial metrics and optimistic future outlook create a clear bullish trend, likely driving the stock higher in the short term.
Aug 28, 2024

Affirm Outpaces Expectations with Strong FQ4 Performance and Positive Revenue Outlook

Trend: Bullish
Influence: 8
Affirm's better-than-expected fiscal Q4 results and a robust revenue outlook for the current quarter signal strong momentum. These positive developments enhance investor confidence, likely boosting the stock price in the near term.
Aug 28, 2024

Affirm Holdings Surges 14% Post-Earnings, Forecasts Profitability by FY 2025

Trend: Bullish
Influence: 8
Affirm's strong fiscal Q4 results and forecast for GAAP profitability by FY 2025 signal positive momentum. Key metrics like increased revenue, GMV, and active consumers bolster investor confidence, likely driving stock price higher.
Aug 28, 2024

Affirm Surprises with Strong Q4 Earnings, Shares Jump 2.22%

Trend: Bullish
Influence: 8
Affirm's GAAP EPS of -$0.14 beat expectations by $0.30 and revenue surged to $659.18M, outperforming by $53.8M. The company's robust growth, reflected in a 47.9% Y/Y revenue increase, and positive financial outlook are driving a bullish sentiment, evident in a 2.22% rise in stock price.
Aug 27, 2024

Affirm's Q4 Earnings Anticipation: Revenue Surge Amid Losses Expected

Trend: Neutral
Influence: 7
Affirm’s expected revenues show impressive growth at +35.8% Y/Y, suggesting a strong market position. However, the anticipated EPS of -$0.47 signals ongoing profitability challenges. This mixed outlook balances the sentiment, leading to a 'Neutral' trend with a high influence score of 7 due to the significant juxtaposition of revenue growth against profitability issues.
Aug 27, 2024

Klarna's Board Contemplates Ousting Co-Founder's Close Ally Amid IPO Plans

Trend: Bearish
Influence: 6
The potential board shakeup at Klarna signals internal instability, which could shift investor interest towards competitors like Affirm (AFRM). This distraction might provide AFRM a competitive edge in the near term, potentially boosting its stock value. The news has a moderately strong influence on market sentiment due to Klarna's significant presence in the sector.

Next-generation digital and mobile commerce platform that includes a point-of-sale payment solution, a merchant solution, and a consumer app. POS solutions allow consumers to pay for purchases with fixed amounts without interest, hidden fees or penalties. The platform enables consumers to pay for goods over time rather than a lump sum. The commerce solution is designed to effectively promote merchants’ products, optimize customer acquisition strategies, and drive sales. The consumer app provides access to the full suite of Affirm products. The app can be used to manage payments, open a savings account, and access a personalized marketplace.

Affirm Holdings daily forecast for a month

Date Target Pes. Opt. Vol., %
Oct 18 47.16 45.74 47.92 4.76
Oct 19 47.75 45.71 49.96 9.29
Oct 20 46.45 44.24 47.91 8.31
Oct 21 46.97 44.60 48.48 8.70
Oct 22 46.41 43.84 47.13 7.48
Oct 23 48.55 46.58 49.61 6.49
Oct 24 48.79 47.19 51.15 8.40
Oct 25 49.20 46.55 50.24 7.92
Oct 26 47.38 46.55 49.53 6.41
Oct 27 45.12 44.17 46.04 4.22
Oct 28 45.85 44.60 47.61 6.76
Oct 29 44.92 44.07 46.74 6.06
Oct 30 44.79 44.07 46.20 4.84
Oct 31 44.92 43.69 47.24 8.13
Nov 01 43.44 41.55 45.20 8.78
Nov 02 43.26 42.44 45.13 6.35
Nov 03 43.29 42.20 44.29 4.95
Nov 04 44.86 43.07 46.68 8.38
Nov 05 43.45 41.99 45.00 7.17
Nov 06 43.88 42.49 44.64 5.06
Nov 07 43.20 41.90 45.44 8.44
Nov 08 42.14 40.52 43.88 8.30
Nov 09 42.73 41.27 43.48 5.36
Nov 10 43.78 41.42 46.05 11.17
Nov 11 43.01 42.05 44.34 5.44
Nov 12 43.40 42.55 44.44 4.43
Nov 13 43.56 42.03 44.35 5.51
Nov 14 43.22 40.83 45.55 11.56
Nov 15 42.74 41.66 44.86 7.68
Nov 16 42.68 40.88 43.36 6.06

Affirm Holdings Daily Price Targets


Affirm Holdings Stock Forecast 10-18-2024.

Forecast target price for 10-18-2024: $47.16.
Negative dynamics for Affirm Holdings shares will prevail with possible volatility of 4.547%.
Pessimistic target level: 45.74
Optimistic target level: 47.92

Affirm Holdings Stock Forecast 10-19-2024.

Forecast target price for 10-19-2024: $47.75.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 8.497%.
Pessimistic target level: 45.71
Optimistic target level: 49.96

Affirm Holdings Stock Forecast 10-20-2024.

Forecast target price for 10-20-2024: $46.45.
Negative dynamics for Affirm Holdings shares will prevail with possible volatility of 7.669%.
Pessimistic target level: 44.24
Optimistic target level: 47.91

Affirm Holdings Stock Forecast 10-21-2024.

Forecast target price for 10-21-2024: $46.97.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 8.002%.
Pessimistic target level: 44.60
Optimistic target level: 48.48

Affirm Holdings Stock Forecast 10-22-2024.

Forecast target price for 10-22-2024: $46.41.
Negative dynamics for Affirm Holdings shares will prevail with possible volatility of 6.963%.
Pessimistic target level: 43.84
Optimistic target level: 47.13

Affirm Holdings Stock Forecast 10-23-2024.

Forecast target price for 10-23-2024: $48.55.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 6.098%.
Pessimistic target level: 46.58
Optimistic target level: 49.61

AFRM (AFRM) Monthly Stock Prediction for 2024

Month Target Pes. Opt. Vol., %
Nov. 53.54 45.59 57.58 20.83
Dec. 53.24 44.29 61.73 28.25

Affirm Holdings forecast for this year


Affirm Holdings Stock Prediction for Nov 2024

An uptrend is forecast for this month with an optimal target price of $53.5358. Pessimistic: $45.59. Optimistic: $57.58


Affirm Holdings Stock Prediction for Dec 2024

An downtrend is forecast for this month with an optimal target price of $53.236. Pessimistic: $44.29. Optimistic: $61.73



Affirm Holdings (AFRM) Monthly Stock Prediction for 2025

Month Target Pes. Opt. Vol., %
Jan 52.64 46.45 59.42 21.83
Feb 45.12 41.96 49.54 15.30
Mar 38.93 34.46 41.11 16.17
Apr 48.42 42.45 56.82 25.29
May 45.70 41.99 50.82 17.37
Jun 41.10 36.03 48.58 25.82
Jul 43.40 37.81 48.02 21.26
Aug 46.07 36.53 52.26 30.11
Sep 43.75 40.93 52.33 21.77
Oct 38.36 34.82 45.23 23.03
Nov 47.70 42.63 51.85 17.78
Dec 51.04 45.76 62.34 26.60

Affirm Holdings (AFRM) Monthly Stock Prediction for 2026

Month Target Pes. Opt. Vol., %
Jan 59.62 53.78 64.79 17.00
Feb 76.15 59.30 91.07 34.88
Mar 67.83 59.47 80.56 26.17
Apr 80.94 69.83 91.81 23.94
May 88.64 81.44 97.58 16.53
Jun 82.68 76.90 99.35 22.60
Jul 89.63 78.84 98.41 19.89
Aug 85.36 75.32 92.29 18.39
Sep 91.34 76.76 104.89 26.82
Oct 91.59 80.57 96.72 16.70
Nov 101.85 93.01 110.69 15.97
Dec 88.73 81.03 98.67 17.88

Affirm Holdings information and performance

Affirm Holdings Address

650 CALIFORNIA STREET, SAN FRANCISCO, CA, US

Market Capitalization: 14 647 362 000 $

Market capitalization of the Affirm Holdings, Inc. is the total market value of all issued shares of a company. It is calculated by the formula multiplying the number of AFRM shares in the company outstanding by the market price of one share.

EBITDA: -365 212 992 $

EBITDA of Affirm Holdings is earnings before interest, income tax and depreciation of assets.

PE Ratio: None

P/E ratio (price to earnings) - shows the ratio between the price of a share and the company's profit

PEG Ratio: None

Price/earnings to growth

DPS: None

Dividend Per Share is a financial indicator equal to the ratio of the company's net profit available for distribution to the annual average of ordinary shares.

DY: None

Dividend yield is a ratio that shows how much a company pays in dividends each year at the stock price.

EPS: -1.67

EPS shows how much of the net profit is accounted for by the common share.

Quarterly Earnings Growth YOY: N/A
Quarterly Revenue Growth YOY: 0.479
Trailing PE: -

Trailing P/E depends on what has already been done. It uses the current share price and divides it by the total earnings per share for the last 12 months.

Forward PE: -

Forward P/E uses projections of future earnings instead of final numbers.

EV To Revenue: 8.52

Enterprise Value (EV) /Revenue

EV To EBITDA: -45.4

The EV / EBITDA ratio shows the ratio of the cost (EV) to its profit before tax, interest and amortization (EBITDA).

Shares Outstanding: 267435000

Number of issued ordinary shares

Shares Float: N/A

Number of freely tradable shares

Shares Short Prior Month: N/A

Shares Short Prior Month - the number of shares in short positions in the last month.

Short Ratio: N/A
Percent Insiders: N/A
Percent Institutions: N/A


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Disclaimer:

All forecast data on the site are provided for informational purposes of using neural forecasting tools in the financial market and are not a call to action and, moreover, are not trading signals. When using the forecast data, the investor assumes all financial risks. The pandaforecast.com portal is not responsible for the loss of your money in the stock market as a result of using the information contained on the site.