DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 100 days ago

AFRM·AFRM

$.
+. (+.%)
After Hours
High
$51.08
Open
$50.13
Market Cap
16.59B
52W High
$100.00
Low
$48.55
P. Close
$49.91
P/E
58.77
52W Low
$30.90
Fwd P/E
-
Mean Target
-
Technical Score (1D)
23
SELL
News Sentiment
62
BULLISH
Recent analyst actions paint a mixed picture for Affirm (AFRM). Mizuho lowered its price target to $95 while maintaining an Outperform rating, and RBC Capital maintained a Sector Perform rating while reducing its price target. These adjustments reflect a more cautious outlook on valuation, despite some analysts maintaining positive ratings. This could lead to increased volatility in the near term. The market is also digesting the news that AFRM's share price has declined recently, which is being attributed to consumer spending trends and regulatory influences. However, the company's Q2 results and new partnerships with Intuit and Expedia are key drivers for the stock. This creates uncertainty about the stock's future performance. Traders should watch for further revisions to analyst ratings and monitor consumer spending data.
Earnings Summary
Affirm Holdings, Inc., operating in the financial services sector within the credit services industry, operates a payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solutions for consumers and merchant commerce solutions. Recent performance shows mixed results. Comparing Q1 2025 to the projected Q3 2026, EPS decreased from $0.19 to an estimated $0.65, while revenue increased from $783M to an estimated $996M. There is only one quarter of actual data available. Affirm beat estimates in one of the last two quarters. Due to limited data, a historical streak analysis is not possible. Recent news indicates that Affirm is partnering with Virgin Media O2 to offer monthly payment plans in the UK, which could expand its market reach. However, the company also warned of slower Q4 growth. Investors should watch for the FCA approval of the UK partnership and how the market reacts to the mixed guidance, as well as the impact of analyst price target adjustments.

EPS

EstBeatMiss
$0.13$0.27$0.42$0.57$0.71Q1'25Q3'26
QtrEstActual+/−
Q3'26$0.65 - -
Q1'25$0.40$0.19-51.8%

Revenue

EstBeatMiss
$751M$820M$890M$959M$1.0BQ1'25Q3'26
QtrEstActual+/−
Q3'26$996M - -
Q1'25 - $783M -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
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Market Data

AFRM Stock Snapshot

AFRM is currently trading at $49.90, giving AFRM a market cap of 16.59B and a P/E ratio of 58.8. Today's range spans $48.55–$51.08, with shares opening at $50.13 and moving down $0.01 (0.0%) from the prior close. DailyIQ's technical score sits at 23/100 (SELL) with a news sentiment reading of 62/100.

Over the past year AFRM has traded between $30.90 and $100.00 - the current price is +61.5% off the 52-week low and -50.1% from the high.

Earnings estimate risk is at the forefront for AFRM (AFRM) - a large-cap Financial Services name (16.59B market cap) showing a SELL (23/100) alongside bullish sentiment (62/100) often flags a period where consensus estimates are still catching down to what the market is already pricing in. Price: $49.90 (in the lower half of its 52-week range in $30.90–$100.00). (P/E: 58.8) Active managers who track the technical-fundamental gap tend to position ahead of the revision, not after it.

The current SELL phase for AFRM (23/100) at $49.90 (in the lower half of its 52-week range) suggests that the market is discounting either a fundamental deterioration or a sector headwind that hasn't fully appeared in the earnings line yet. Sentiment at 62/100 (bullish) confirms that news flow is not providing a counternarrative. At 16.59B in Financial Services capitalization, AFRM has the liquidity for institutional exits to be orderly — but orderly doesn't mean shallow within the $30.90–$100.00 range.

Recent News Coverage

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