Companies /Financial Services

Affirm Holdings Inc - Class A

NASDAQ: AFRM Credit Services
24/7 Rating SELL
12-Month Price Target
$61.86 −23.4% downside

Set by 24/7 Wall St.’s proprietary analysis of professional targets, profit trajectory, sector, risk, and retail attention. How we calculate our price targets →

Current close $80.70
Street consensus $98.66
Ours vs. the Street −37.3%
$54.67Conservative$80.70Current$61.86Our Target$91.74Optimistic
12-Month Projection Historical Optimistic Target Conservative
$60$80Oct 2025Oct 2027Today$91.74$61.86$54.67
$60$80Oct 2025Oct 2027Today$91.74$61.86$54.67

Analyst Sentiment

34ANALYSTS
Buy2779%
Hold721%
Sell00%
The Bottom Line

Affirm faces potential headwinds at current valuations. Our analysis suggests 23.4% downside risk to our $61.86 target. Investors may want to consider reducing exposure or waiting for a better entry point.

The 24/7 Factor

Base Growth
Conservative growth baseline (reduced to avoid double-counting P/E growth)
1.05×
Sector Momentum
Rate-sensitive, moderate growth
1.05×
Analyst Consensus
Strong analyst consensus (bullish)
+4.7%
Earnings Growth
Strong earnings acceleration
+3.0%
Volatility Adjustment
Higher volatility stock
−5.6%
Price Position
Trading near 52-week high
+1.5%
Read our full methodology →

5-Year Projection

Long-Term Forecast Optimistic Target Conservative
$60$90$120’26’27’28’29’30’31$117.07$51.70$48.32
$60$90$120’26’27’28’29’30’31$117.07$51.70$48.32

Prediction History

AFRM Price Target History Our Target Stock Price
$60$66$72$78Jul 16Oct 2$58.53$70.77
$60$66$72$78Jul 16Oct 2$58.53$70.77
$60$66$72$78May 28Oct 2$58.53$70.77
$60$66$72$78May 28Oct 2$58.53$70.77
Date Price Target Stock Price Rating Upside
$58.53 $70.77 SELL −17.3%
$58.70 $71.52 SELL −17.9%
$65.64 $71.21 HOLD −7.8%
$72.04 $71.44 HOLD +0.8%
$72.61 $72.35 HOLD +0.4%
$73.87 $77.76 HOLD −5.0%
$73.03 $77.03 HOLD −5.2%
$72.16 $78.35 HOLD −7.9%
Date Price Target Stock Price Rating Upside
$58.53 $70.77 SELL −17.3%
$58.70 $71.52 SELL −17.9%
$73.87 $77.76 HOLD −5.0%
$69.84 $73.25 HOLD −4.7%
$70.10 $79.70 HOLD −12.1%
$67.72 $73.89 HOLD −8.4%

Frequently Asked Questions

What is the AFRM stock price prediction for 2030?

Looking ahead to 2030, our model projects AFRM could trade at an average price of $56.52, with a potential range between $42.39 and $70.64. This represents a potential 30.0% decline from today’s price. Long-term forecasts depend heavily on company execution, competitive dynamics, and broader market conditions.

Is AFRM a buy, sell, or hold right now?

24/7 Wall St. currently rates AFRM as a SELL. Significant downside (-23.4%) Among Wall Street analysts, 27 rate it Buy, 7 rate it Hold, and 0 rate it Sell.

What is the AFRM stock price target in an optimistic scenario?

In our optimistic scenario for AFRM, the stock could reach $91.74 over the next 12 months, representing a 13.7% gain from today’s price. This scenario assumes favorable conditions materialize, including strong earnings growth, positive market sentiment, and successful execution of company initiatives.

What is the downside risk for AFRM stock?

In our conservative scenario, AFRM could trade as low as $54.67 over the next 12 months, representing a 32.3% decline from current levels. This scenario accounts for potential headwinds including earnings misses, competitive pressures, or broader market weakness.

Projections are estimates based on current data, updated daily. Not investment advice. Learn how we calculate these projections →