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Affirm Holdings (AFRM) Stock Forecast for 2024, 2025, 2026. Sell or Buy?
Updated: October 16, 2024 (03:32)
Sector: TechnologyThe share price of Affirm Holdings, Inc. (AFRM) now
News Impact Analyzer
Full report
This Week
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Bullish | Impact: 5 | News: 3 (3/0/0) |
Previous Week
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Bullish | Impact: 5 | News: 2 (2/0/0) |
Two Weeks Ago
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Na | Impact: Na | News: Na |
Three Weeks Ago
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Bullish | Impact: 5 | News: 1 (1/0/0) |
Analysts predictions
Full report
This Week
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Bullish | Opinions: 1 (1/0/0) |
Previous Week
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Neutral | Opinions: Na |
Two Weeks Ago
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Neutral | Opinions: Na |
Three Weeks Ago
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Bullish | Opinions: 2 (1/1/0) |
Analyzing the Most Important AFRM news
Wedbush Upgrades Affirm on Rate Environment Optimism
Affirm's Strategy Wins Wells Fargo Boost Amid Promising Growth
Affirm Gains Momentum with Hedgeye's Long Idea and Morgan Stanley Upgrade
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
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
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
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
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
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
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 AnalysisAffirm: Short-Term Gains Amid Long-Term Challenges in the BNPL Landscape
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
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
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
Without a significant 'moat', Affirm struggles to maintain unique positioning, restricting long-term sustainable business profits in a rapidly growing market.
Share Dilution
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
Increased regulatory compliance requirements might raise Affirm's operating costs and necessitate changes to its business model, potentially constraining profitability.
Partnership with Apple
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 AnalysisCommentary
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.
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.
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Affirm Outpaces Expectations with Strong FQ4 Performance and Positive Revenue Outlook
Affirm Holdings Surges 14% Post-Earnings, Forecasts Profitability by FY 2025
Affirm Surprises with Strong Q4 Earnings, Shares Jump 2.22%
Affirm's Q4 Earnings Anticipation: Revenue Surge Amid Losses Expected
Klarna's Board Contemplates Ousting Co-Founder's Close Ally Amid IPO Plans
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
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 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.