Affirm Holdings, Inc. (AFRM) Stock Forecast Nov. 6, 2026
Analysis updated on Nov. 6, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
Affirm Holdings, Inc. (AFRM) stock forecast summary
Our AI scores Affirm Holdings, Inc. every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
Affirm Holdings, Inc. is a large-cap company with a market capitalization of $22.98B. It ranks number 1 by market capitalization among the 11 Personal Credit Institutions issuers in our coverage with a current forecast.
For AFRM, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 41.0%, measured on 357 forecast dates between 2022-08-19 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 17.0%, measured on 400 forecast dates between 2022-08-19 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +3.1%, buy ≥ +1.5%, sell < -0.5%, strong sell < -1.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-11-06 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, AFRM included.
AFRM price chart and AI forecast
How AFRM ranks among 5150 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Affirm Holdings, Inc. (AFRM) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Personal Credit Institutions peers listed below that report each metric.
Valuation & Market
| Metric | AFRM | Rank |
|---|---|---|
| Market Cap | $22.98B | 1/11 |
| P/E Ratio | 11.80x | 6/11 |
| EPS | $5.77 | – |
| Revenue/Share | $13.60 | – |
| FCF/Share | $2.42 | – |
Profitability & Margins
| Metric | AFRM | Rank |
|---|---|---|
| Operating Margin | 66.2% | – |
| EBT Margin | 75.3% | 1/11 |
| Tax Rate | -227.5% | – |
The effective tax rate is outside the normal band, which points to a large non-recurring tax item in the trailing twelve months; headline net income, net margin and P/E are affected by it.
Financial Health
| Metric | AFRM | Rank |
|---|---|---|
| Interest Coverage | 1.4x | – |
Cash Flow
| Metric | AFRM | Rank |
|---|---|---|
| Operating Cash Flow | $1.06B | 6/11 |
| Free Cash Flow | $817M | 3/7 |
| Capital Spending | -$246M | 7/7 |
| OCF Growth YoY | 9.4% | 6/9 |
| FCF Growth YoY | 6.2% | 4/6 |
| FCF/Sales | 17.8% | 6/7 |
| CapEx/Sales | 5.4% | 2/7 |
Operational Efficiency
| Metric | AFRM | Rank |
|---|---|---|
| Receivables Turnover | 12.9x | – |
| Fixed Assets Turnover | 6.6x | 9/10 |
| Days Sales Outstanding | 28 days | – |
Income Statement
| Metric | AFRM | Rank |
|---|---|---|
| Total Revenue | $4.59B | 2/11 |
| Operating Income | $540M | – |
| SG&A Expense | $1.47B | – |
Dividend & Shareholder Information
| Metric | AFRM | Rank |
|---|---|---|
| Shares Outstanding | 337M | – |
| EPS Growth | 736.2% | 1/11 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $2.07B | |
| Accounts Receivable | $357M | |
| Total Liabilities | $1.73B |
AFRM quarterly financials and insider trading
Affirm Holdings, Inc. (AFRM) industry peers
Companies classified under the same SEC industry code as Affirm Holdings, Inc. (Personal Credit Institutions): 11 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| AFRM Affirm Holdings, Inc. | $22.98B | |
| OMF Onemain Holdings, Inc. | $6.60B | |
| CACC Credit Acceptance Corp | $5.37B | |
| NNI Nelnet Inc | $4.67B | |
| ENVA Enova International, Inc. | $4.22B | |
| BFH Bread Financial Holdings, Inc. | $3.87B | |
| SLM Slm Corp | $3.10B | |
| HAPN Happen, Inc. | $1.84B | |
| ATLC Atlanticus Holdings Corp | $1.38B | |
| WRLD World Acceptance Corp | $695M | |
| RM Regional Management Corp. | $337M |
Where AFRM sits on the market map
Affirm Holdings, Inc. (AFRM) stock news
Loading...
Affirm Holdings, Inc. (AFRM) stock forecast FAQ
What is the Affirm Holdings, Inc. (AFRM) stock forecast?
Our AI scores Affirm Holdings, Inc. every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
How accurate are Affirm Holdings, Inc. stock predictions?
For AFRM, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 41.0%, measured on 357 forecast dates between 2022-08-19 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 17.0%, measured on 400 forecast dates between 2022-08-19 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Affirm Holdings, Inc. forecasts updated?
Affirm Holdings, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Nov. 6, 2026.
Which companies are Affirm Holdings, Inc.'s industry peers?
11 issuers in our coverage, AFRM included, share the SEC industry code Personal Credit Institutions. The largest are: Onemain Holdings, Inc. (OMF), Credit Acceptance Corp (CACC), Nelnet Inc (NNI), Enova International, Inc. (ENVA), Bread Financial Holdings, Inc. (BFH), Slm Corp (SLM).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.