Should you buy Affirm stock now?
The technical signal for Affirm is currently NEUTRAL. Affirm trades at $72.48 as of 9/4/2026. The overall technical signal is: Hold. The technical analysis shows the following: MACD is negative (bearish trend) at -0.428 with falling momentum (signal: -0.066); RSI is at 47.8 (neutral zone); the stock is in a short-term downtrend (price below the 20-day average); the analyst price target of $99.23 points to 36.9% upside. This is a technical observation based on current data, not investment advice.
What is the price target for Affirm stock?
The average analyst price target for Affirm is $99.23. The current price is $72.48, which gives an upside of 36.9%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $89.31 and $109.15.
Is Affirm a dividend stock?
No, Affirm does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of Affirm stock?
Affirm is rated as a stock in the risk category Speculative. the annual standard deviation is 59.7%, which classifies the stock as Speculative.
Is Affirm overvalued?
No, Affirm is considered undervalued based on the analyst price target (36.9% upside). Affirm has the following valuation ratios: a P/E ratio of 12.6 (moderately valued), a P/S ratio of 5.9, a P/B ratio of 4.3. The analyst price target suggests that the stock is undervalued by 36.9%.
Is Affirm overbought?
No, Affirm is not overbought. RSI is at 47.8 (neutral zone). The technical indicators show: RSI is at 47.8 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 4.3% below the 20-day average (short-term downtrend). In addition, MACD is negative with falling momentum (bearish).
When is the next Affirm earnings report?
The date of the next earnings report for Affirm has not been published yet. Check the company's investor calendar for updates.
Is Affirm shorted?
Yes, Affirm is shorted with 5.0% of the free float sold short. This is a moderate level of short selling, within the normal range for most stocks. Data is updated daily based on official filings with the SEC.
Are insiders buying Affirm stock?
No, insiders are not buying Affirm shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 16 sales. On a net basis, 20,879,091 $ worth of shares were sold. Across the last 20 reported transactions, the split is 0 purchases and 20 sales, with a net 24,600,636 $ sold. Active sellers include Adkins Katherine, O'Hare Robert, Michalek Libor and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is Affirm a good stock?
Based on our total score, Affirm is rated as a good stock with a total score of 65 out of 100. The stock scores above average on value, quality and momentum – it is among the top 35% in our database. The score is made up of Value: 69/100, Quality: 74/100, Momentum: 52/100. In addition: analysts see 36.9% upside to the price target; technical signal: Hold. Whether Affirm is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for Affirm stock?
The outlook for Affirm based on current data: the average analyst price target is $99.23 (+36.9%); the P/E ratio is 12.6 (low – a possible value stock). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is Affirm stock falling?
Affirm is falling right now. The technical indicators show: the price is 4.3% below the 20-day average; MACD is negative with falling momentum (bearish signal); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis, insider section and news overview above.
How high can Affirm go?
The average analyst price target for Affirm is $99.23, which corresponds to a potential gain of 36.9% from the current price of $72.48. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can Affirm fall?
We lack enough history to give a specific floor for Affirm. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does Affirm do?
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company's commerce platform, agreements with originating banks, and capital markets p... The company belongs to the Financial Services sector, more specifically the Credit Services industry, is headquartered in USA, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate Affirm as an investment.
Did Affirm raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from Affirm. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is Affirm making money or losing money?
Yes, Affirm is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 45.3% — which is excellent. The operating margin (profit before interest and taxes) is 12.6%. At a P/E ratio of 12.6, you currently pay 12.6 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can Affirm go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For Affirm, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does Affirm have a lot of debt?
Affirm has moderate debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 263%. For the financial services sector, 200-400% counts as a typical level. Banks take in deposits (debt) as their raw material and lend it out — which naturally gives a high D/E. 200-400% is typical; only above 400% counts as elevated. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can Affirm service its debt? Could struggle to service its debt — the interest coverage ratio (how many times earnings can cover interest payments) is 2.4x, and net debt equals 10.0 years of earnings (EBITDA).