$84.45
+2.52 (+3.08%)
Last updated: Jul 15, 2026 04:27
Fundamentals Overview
Affirm Holdings, Inc. is in the middle of its 52-week range with premium valuation, trending upward today.
Valuation premium
Profitability
Risk (Beta)
3.67 — higher vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Sentiment improving (2 upgrades) · 3M vs S&P 500: +52.9% · 3M vs Technology sector: +36.4%
Pressures (Sell):
Beta 3.67 (elevated)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: C+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 12, Equal Weight: 3, Market Outperform: 1, Outperform: 4, Overweight: 7, Positive: 1, Sector Perform: 2.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $-126.68; current price is $84.45. That’s a -250% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 76.87 |
| PEG (TTM) | 0.11 |
| P/B (TTM) | 7.53 |
| P/S (TTM) | 7.12 |
| P/FCF (TTM) | 35.93 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 717.01 |
| Quick Ratio (TTM) | 717.01 |
| Cash Ratio (TTM) | 654.23 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 9.63% |
| Gross margin (TTM) | 67.71% |
| Operating margin (TTM) | 11.12% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for AFRM.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Goldman Sachs | maintain | Buy | Buy | 2026-07-09 |
| JP Morgan | maintain | Overweight | Overweight | 2026-07-08 |
| Wells Fargo | maintain | Overweight | Overweight | 2026-07-08 |
| TD Cowen | maintain | Buy | Buy | 2026-07-07 |
| Citigroup | maintain | Buy | Buy | 2026-07-01 |
| Morgan Stanley | downgrade | Overweight | Equal Weight | 2026-06-25 |
| Susquehanna | maintain | Positive | Positive | 2026-06-25 |
| Deutsche Bank | maintain | Buy | Buy | 2026-06-25 |
| Truist Securities | maintain | Buy | Buy | 2026-05-28 |
| Mizuho | maintain | Outperform | Outperform | 2026-05-14 |
| Needham | maintain | Buy | Buy | 2026-05-13 |
| B of A Securities | maintain | Buy | Buy | 2026-05-11 |
| Needham | maintain | Buy | Buy | 2026-05-08 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2026-05-08 |
| JP Morgan | maintain | Overweight | Overweight | 2026-05-08 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2026-05-08 |
| Truist Securities | maintain | Buy | Buy | 2026-04-24 |
| Cantor Fitzgerald | maintain | Overweight | Overweight | 2026-04-21 |
| Evercore ISI Group | maintain | Outperform | Outperform | 2026-04-21 |
| Citizens | maintain | Market Outperform | Market Outperform | 2026-04-17 |
| Truist Securities | maintain | Buy | Buy | 2026-02-20 |
| Mizuho | maintain | Outperform | Outperform | 2026-02-09 |
| Cantor Fitzgerald | maintain | Overweight | Overweight | 2026-02-09 |
| JP Morgan | maintain | Overweight | Overweight | 2026-02-06 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2026-02-06 |
| Needham | maintain | Buy | Buy | 2026-02-06 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2026-02-06 |
| Oppenheimer | maintain | Outperform | Outperform | 2026-02-06 |
| Morgan Stanley | upgrade | Equal Weight | Overweight | 2026-02-03 |
| Needham | upgrade | Hold | Buy | 2026-01-27 |