November 29, 2024 Holiday Shopping Sets New Records With $6.1B Spent Online
November 25, 2024 Bitcoin Nears $100K: Crypto Revolution Reshapes Wall Street
November 18, 2024 Biden’s Missile Strategy: Escalation Or Path To Peace?
November 10, 2024 Wall Street Soars: Trump’s Victory Ignites Market Surge
Apple: Why The Future Looks Far Less Secure
Amazon: Still A Buy Thanks To Bedrock And Trainium
Amazon: Not A Second-Tier AI Player Anymore, But I Need Better Numbers
The Market Is Wrong About Microsoft – Here’s Why
December 9, 2024 When to Switch Payroll Solutions and How to Make a Smooth Transition
November 24, 2024 Latest Finance Management Regulations in Australia
November 24, 2024 Finance Management Education Resources
November 18, 2024 Best Backtesting Software For Traders
November 18, 2024 Best Forex Trading Tools
Affirm Holdings (AFRM) Stock Forecast for 2024, 2025, 2026. Sell or Buy?
Updated: December 11, 2024 (10:08)
Sector: TechnologyThe share price of Affirm Holdings, Inc. (AFRM) now
News Impact Analyzer
Full report
This Week
|
Na | Impact: Na | News: Na |
Previous Week
|
Bullish | Impact: 5 | News: 2 (2/0/0) |
Two Weeks Ago
|
Na | Impact: Na | News: Na |
Three Weeks Ago
|
Bullish | Impact: 1.14 | News: 2 (1/0/1) |
Analysts predictions
Full report
This Week
|
Neutral | Opinions: 2 |
Previous Week
|
Neutral | Opinions: Na |
Two Weeks Ago
|
Neutral | Opinions: Na |
Three Weeks Ago
|
Bullish | Opinions: 1 (1/0/0) |
Analyzing the Most Important AFRM news
J.P. Morgan Downgrades Shake Fintech Sector: Upstart and LendingClub in Focus
CFPB Accelerates Rulemaking as Trump Era Looms
Soros Capital Boosts Holdings in Affirm, Drops TeraWulf
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, 1 clearly showcase a bullish trend, while 0 see a bearish trend as the more likely scenario, and 2 stay neutral.
To identify the dominant trend, we took into account analytical articles from the past 30 days, spanning from Nov 19, 2024 to Dec 08, 2024.
Affirm's Soaring Heights Face Market Reality Check: Reassessing Value Amidst Growth
In his latest analytical financial article, Julian Lin adopts a Neutral stance on AFRM stock, providing a balanced perspective for investors considering this asset. With an impressive portfolio of 1153 publications since 2017, Lin demonstrates consistent productivity and a deep engagement with financial markets. His insights resonate with many, as evidenced by a substantial following of 33,590 subscribers. Lin's viewpoints are recognized for their outstanding credibility, placing him among the most authoritative voices in financial analysis. This high level of trust is bolstered by his prolific output, averaging numerous publications annually, further underlining his dedication and expertise. Readers can expect a thorough and unbiased analysis from Lin, making his review a valuable resource for those assessing AFRM stock.
Key Theses of the Article
- Affirm has demonstrated strong execution and financial performance, showing significant YoY growth in both GMV and revenue.
- The company's stock has risen notably, partially due to a more lenient trading environment towards valuation.
- Despite strong performance, Affirm's stock is downgraded to neutral due to concerns over its high valuation in an overheated market.
Factors Influencing AFRM Company's Stock Price
YoY GMV and Revenue Growth
With a 35% YoY growth in GMV and 41% in revenue, such impressive metrics have strongly bolstered investor confidence in the company's prospects. This signifies a robust operational performance, making it a major driver for the stock's appreciation.
Investor Sentiment and Valuation Context
The bullish market and investor leniency towards valuation have inflated the stock's price by 130% since June, reflecting significant external factors beyond pure financial metrics. Such sentiment can quickly change, indicating potential volatility and risk for current valuations.
Interest Rate Environment
Higher interest rates typically weigh on growth-oriented firms, but Affirm's ability to maintain strong margins and profitability amidst such conditions underscores its operational resilience. Nevertheless, the sensitivity to macroeconomic shifts remains a crucial consideration for investors.
Competitive Landscape
With competitors like Klarna growing at slower rates, Affirm's relative market position offers both opportunity and challenge, especially regarding sustainability of growth rates. This impacts long-term outlook and justifies cautious evaluations of its current valuation.
Review the original AnalysisAFRM: Navigating Volatility Amidst Market Overvaluation
In this review of the analytical financial article by Selendis Research, the author maintains a Neutral stance on AFRM stock, offering a balanced perspective amidst market fluctuations. With 45 publications since joining in 2024, the author demonstrates a commendable level of productivity and expertise in the financial analysis domain. Despite having been relatively new to the platform, Selendis Research has already garnered a dedicated following of 189 subscribers. Although the author's credibility, as measured by industry standards, is not yet distinguished, the insights presented should not be overlooked. Readers can expect a well-reasoned analysis that reflects a keen understanding of financial trends and market dynamics. This review provides a thoughtful examination for investors seeking to navigate the complexities of AFRM stock.
Key Theses on AFRM
- AFRM is expanding its market share and demonstrating strong revenue growth.
- The company is making progress towards profitability by improving its margins and reducing expenses.
- AFRM's current valuation suggests it is overvalued by more than 30%, posing a risk for investors.
- The stock is highly volatile, indicating that investors should wait for a better entry point.
Factors Influencing AFRM Stock Price
Market Share Expansion
AFRM has increased its market share to 34% and shown a 36% year-on-year increase in GMV, supporting future growth potential. This expansion boosts investor confidence but may not fully offset valuation concerns.
Profitability Progress
The improvement in margins and decline in operating expenses as a percentage of revenue highlight a positive trend towards profitability. This progress could mitigate risks associated with current unprofitability.
Valuation Concerns
Trading at a price-to-sales ratio of 9.57x suggests the stock is overvalued by more than 30%, which could lead to a market correction. Overvaluation poses a significant downside risk if market sentiment shifts.
Stock Volatility
With annualized volatility above 90% and a beta above 3, AFRM is subject to large price swings, which may deter risk-averse investors. High volatility implies a potential for substantial price corrections.
BNPL Market Trends
The expanding BNPL market in the U.S. presents growth opportunities for AFRM, indicated by a rising GMV. However, competitive dynamics could pressure AFRM's market positioning and profitability.
Review the original AnalysisCommentary
Affirm Holdings (AFRM) has been making significant strides in expanding its market presence, capturing a 34% market share and showcasing notable growth in Gross Merchandise Volume (GMV). Such growth stories can boost investor confidence, yet the company finds itself in a precarious position due to concerns about valuation. Trading at a high price-to-sales ratio suggests that AFRM is significantly overvalued, posing potential risks if there's a shift in market sentiment.
While AFRM is showing signs of getting closer to profitability by improving margins and reducing expenses, its stock price remains highly volatile. With annualized volatility above 90% and a beta over 3, investors should brace themselves for potential roller-coaster-like price fluctuations. Considering these factors, the overall influence on AFRM’s stock trend in the coming fortnight may remain neutral as the market processes these mixed signals. In the longer term, the firm's position in the growing Buy Now Pay Later (BNPL) market continues to hold promise, but caution should be exercised given the competitive landscape and AFRM’s existing valuation concerns.
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 4 news items directly related to AFRM from the last 30 days. Out of these, 3 clearly showcase a bullish trend, while 1 display bearish tendencies, and 0 events are neutral.
The strength of the bullish trend outpaces the bearish sentiments by 2.86 times, indicating that the news backdrop is positively influencing the company’s stock price in the current outlook.
The news analyzed fell within the period from Nov 12, 2024, to Dec 02, 2024.
Visa Teams Up with Affirm to Transform Card Payments
Affirm's Double-Beat Fails to Avert After-Hours Stock Slide
Affirm Surpasses Revenue Expectations Despite EPS Loss, Shares Dip
Affirm Set for Q1 Surprise? Analysts Predict Record Revenue Jump
Affirm Expands to U.K. with Buy Now, Pay Later Offering
Marqeta Unveils Game-changing BNPL Solution with Klarna and Affirm
Top 10 Stocks Positioned for High Growth: Can Affirm Bounce Back?
GoodRx Teams Up with Affirm for Flexible Payment Options in Pharmacies
Wedbush Upgrades Affirm on Rate Environment Optimism
Affirm's Strategy Wins Wells Fargo Boost Amid Promising Growth
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., % |
---|---|---|---|---|
Dec 13 | 69.48 | 67.15 | 70.99 | 5.72 |
Dec 14 | 71.48 | 68.87 | 74.38 | 7.99 |
Dec 15 | 69.07 | 67.53 | 72.51 | 7.38 |
Dec 16 | 66.03 | 63.35 | 69.31 | 9.41 |
Dec 17 | 67.65 | 66.56 | 70.68 | 6.19 |
Dec 18 | 71.20 | 69.30 | 74.39 | 7.34 |
Dec 19 | 70.80 | 69.76 | 71.94 | 3.13 |
Dec 20 | 68.37 | 64.69 | 69.38 | 7.25 |
Dec 21 | 72.92 | 70.47 | 76.29 | 8.26 |
Dec 22 | 74.09 | 71.91 | 77.46 | 7.72 |
Dec 23 | 69.99 | 68.82 | 71.12 | 3.35 |
Dec 24 | 68.28 | 64.65 | 69.47 | 7.47 |
Dec 25 | 71.48 | 70.43 | 75.03 | 6.54 |
Dec 26 | 75.68 | 73.62 | 78.33 | 6.40 |
Dec 27 | 73.57 | 71.71 | 76.04 | 6.03 |
Dec 28 | 72.18 | 70.46 | 74.50 | 5.74 |
Dec 29 | 76.87 | 72.89 | 78.76 | 8.05 |
Dec 30 | 76.23 | 73.77 | 80.28 | 8.82 |
Dec 31 | 75.11 | 71.43 | 78.68 | 10.16 |
Jan 01 | 73.69 | 72.14 | 77.04 | 6.79 |
Jan 02 | 76.11 | 73.34 | 79.89 | 8.94 |
Jan 03 | 73.24 | 70.21 | 74.98 | 6.79 |
Jan 04 | 73.44 | 71.85 | 74.62 | 3.86 |
Jan 05 | 77.81 | 75.36 | 80.91 | 7.37 |
Jan 06 | 80.59 | 76.64 | 83.80 | 9.35 |
Jan 07 | 80.53 | 77.49 | 82.79 | 6.84 |
Jan 08 | 79.63 | 75.17 | 81.86 | 8.90 |
Jan 09 | 75.67 | 74.24 | 77.00 | 3.71 |
Jan 10 | 77.21 | 75.86 | 80.45 | 6.06 |
Jan 11 | 72.61 | 69.87 | 74.24 | 6.26 |
Affirm Holdings Daily Price Targets
Affirm Holdings Stock Forecast 12-13-2024.
Forecast target price for 12-13-2024: $69.48.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 5.413%.
Pessimistic target level: 67.15
Optimistic target level: 70.99
Affirm Holdings Stock Forecast 12-14-2024.
Forecast target price for 12-14-2024: $71.48.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 7.400%.
Pessimistic target level: 68.87
Optimistic target level: 74.38
Affirm Holdings Stock Forecast 12-15-2024.
Forecast target price for 12-15-2024: $69.07.
Negative dynamics for Affirm Holdings shares will prevail with possible volatility of 6.869%.
Pessimistic target level: 67.53
Optimistic target level: 72.51
Affirm Holdings Stock Forecast 12-16-2024.
Forecast target price for 12-16-2024: $66.03.
Negative dynamics for Affirm Holdings shares will prevail with possible volatility of 8.602%.
Pessimistic target level: 63.35
Optimistic target level: 69.31
Affirm Holdings Stock Forecast 12-17-2024.
Forecast target price for 12-17-2024: $67.65.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 5.829%.
Pessimistic target level: 66.56
Optimistic target level: 70.68
Affirm Holdings Stock Forecast 12-18-2024.
Forecast target price for 12-18-2024: $71.20.
Positive dynamics for Affirm Holdings shares will prevail with possible volatility of 6.834%.
Pessimistic target level: 69.30
Optimistic target level: 74.39
AFRM (AFRM) Monthly Stock Prediction for 2025
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan. | 70.78 | 55.72 | 83.26 | 33.08 |
Feb. | 82.07 | 73.11 | 89.20 | 18.03 |
Mar. | 79.77 | 73.97 | 90.72 | 18.47 |
Apr. | 81.11 | 66.35 | 88.16 | 24.73 |
May. | 61.36 | 51.56 | 73.04 | 29.40 |
Jun. | 52.94 | 44.34 | 63.61 | 30.29 |
Jul. | 55.01 | 48.23 | 63.18 | 23.65 |
Aug. | 51.16 | 43.71 | 61.19 | 28.56 |
Sep. | 55.03 | 47.33 | 61.50 | 23.05 |
Oct. | 45.01 | 39.85 | 50.43 | 20.99 |
Nov. | 35.81 | 31.90 | 39.72 | 19.69 |
Dec. | 40.33 | 32.99 | 42.81 | 22.95 |
Affirm Holdings forecast for this year
Affirm Holdings Stock Prediction for Jan 2025
An uptrend is forecast for this month with an optimal target price of $70.7767. Pessimistic: $55.72. Optimistic: $83.26
Affirm Holdings Stock Prediction for Feb 2025
An uptrend is forecast for this month with an optimal target price of $82.0727. Pessimistic: $73.11. Optimistic: $89.20
Affirm Holdings Stock Prediction for Mar 2025
An downtrend is forecast for this month with an optimal target price of $79.7746. Pessimistic: $73.97. Optimistic: $90.72
Affirm Holdings Stock Prediction for Apr 2025
An uptrend is forecast for this month with an optimal target price of $81.1148. Pessimistic: $66.35. Optimistic: $88.16
Affirm Holdings Stock Prediction for May 2025
An downtrend is forecast for this month with an optimal target price of $61.3553. Pessimistic: $51.56. Optimistic: $73.04
Affirm Holdings Stock Prediction for Jun 2025
An downtrend is forecast for this month with an optimal target price of $52.9373. Pessimistic: $44.34. Optimistic: $63.61
Affirm Holdings Stock Prediction for Jul 2025
An uptrend is forecast for this month with an optimal target price of $55.0125. Pessimistic: $48.23. Optimistic: $63.18
Affirm Holdings Stock Prediction for Aug 2025
An downtrend is forecast for this month with an optimal target price of $51.1616. Pessimistic: $43.71. Optimistic: $61.19
Affirm Holdings Stock Prediction for Sep 2025
An uptrend is forecast for this month with an optimal target price of $55.0294. Pessimistic: $47.33. Optimistic: $61.50
Affirm Holdings Stock Prediction for Oct 2025
An downtrend is forecast for this month with an optimal target price of $45.0141. Pessimistic: $39.85. Optimistic: $50.43
Affirm Holdings Stock Prediction for Nov 2025
An downtrend is forecast for this month with an optimal target price of $35.8132. Pessimistic: $31.90. Optimistic: $39.72
Affirm Holdings Stock Prediction for Dec 2025
An uptrend is forecast for this month with an optimal target price of $40.3256. Pessimistic: $32.99. Optimistic: $42.81
Affirm Holdings (AFRM) Monthly Stock Prediction for 2026
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan | 37.16 | 34.35 | 43.93 | 21.79 |
Feb | 34.15 | 31.85 | 39.98 | 20.33 |
Mar | 33.19 | 28.36 | 37.47 | 24.31 |
Apr | 33.66 | 26.30 | 40.16 | 34.50 |
May | 30.17 | 26.54 | 34.65 | 23.41 |
Jun | 31.86 | 27.67 | 34.80 | 20.51 |
Jul | 27.58 | 22.02 | 30.97 | 28.92 |
Aug | 29.82 | 26.48 | 35.07 | 24.52 |
Sep | 31.74 | 25.96 | 37.07 | 29.97 |
Oct | 31.20 | 24.74 | 37.67 | 34.33 |
Nov | 29.54 | 26.90 | 36.16 | 25.62 |
Dec | 27.72 | 24.38 | 33.23 | 26.63 |
Affirm Holdings (AFRM) Monthly Stock Prediction for 2027
Month | Target | Pes. | Opt. | Vol., % |
---|---|---|---|---|
Jan | 24.54 | 20.00 | 29.69 | 32.63 |
Feb | 27.36 | 23.45 | 33.10 | 29.16 |
Mar | 31.65 | 25.98 | 34.39 | 24.48 |
Apr | 29.79 | 23.61 | 31.62 | 25.32 |
May | 25.62 | 22.96 | 28.34 | 18.98 |
Jun | 24.61 | 22.75 | 26.95 | 15.60 |
Jul | 23.23 | 19.14 | 26.49 | 27.75 |
Aug | 23.49 | 18.56 | 27.37 | 32.20 |
Sep | 26.12 | 24.59 | 27.59 | 10.87 |
Oct | 33.15 | 25.82 | 36.95 | 30.14 |
Nov | 30.46 | 23.72 | 35.49 | 33.16 |
Dec | 35.49 | 28.93 | 39.36 | 26.51 |
Affirm Holdings information and performance
650 CALIFORNIA STREET, SAN FRANCISCO, CA, US
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 of Affirm Holdings is earnings before interest, income tax and depreciation of assets.
P/E ratio (price to earnings) - shows the ratio between the price of a share and the company's profit
Price/earnings to growth
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.
Dividend yield is a ratio that shows how much a company pays in dividends each year at the stock price.
EPS shows how much of the net profit is accounted for by the common share.
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 P/E uses projections of future earnings instead of final numbers.
Enterprise Value (EV) /Revenue
The EV / EBITDA ratio shows the ratio of the cost (EV) to its profit before tax, interest and amortization (EBITDA).
Number of issued ordinary shares
Number of freely tradable shares
Shares Short Prior Month - the number of shares in short positions in the last month.
Related stocks from Technology sector
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.
Commentary
Affirm Holdings is enjoying a period of robust growth, with a stellar 35% year-over-year increase in GMV and a 41% jump in revenue. These promising figures have clearly captured investor enthusiasm, propelling the stock price up by a notable 130% since June. However, it's crucial to recognize that such growth-driven optimism does not guarantee perpetual upward momentum, particularly in an overheated market where valuations are increasingly scrutinized.
When examining the broader context, factors such as investor sentiment and the prevailing interest rate environment exert considerable influence. The current bullish sentiment is admittedly fragile, as external macroeconomic shifts can swiftly alter market dynamics. Affirm's resilience is commendable, but the average influence strength of market factors suggests a moderate impact on the stock's trend over the next 15 days. Given the competitive landscape and investor scrutiny, it seems wise to adopt a cautious perspective over the coming month. Therefore, despite the company's strong operational performance, a neutral trend perfectly encapsulates the delicate balance between optimism and risk. Investors should keep a watchful eye on macroeconomic indicators as they navigate this potentially volatile terrain.