AFRM
Q3 2026 EPS Estimate
$0.35
Aug 27, 2026 · Reports after close
Revenue Estimate
$1.11B
FY2027E EPS$1.80
FY2028E EPS$2.58

Analyst Sentiment

Wall St. Consensus
Buy
30 analysts·High coverage
68
Score
22 Buy (73%)7 Hold (23%)1 Sell (4%)
Rating Breakdown
Strong Buy
00%
Buy
2273%
Hold
723%
Sell
13%
Strong Sell
00%

Analyst ratings reflect Wall Street opinion, not guarantees. Historical accuracy varies by firm and sector.

Price Target Expectations

Bear
$75.00
-4.3%
Consensus
$92.00
+17.4%
Bull
$106.00
+35.3%
12-Month Target Range30 analysts
$75.00$92.00$106.00
Current $78.35Consensus
Current Price
$78.35
Upside to Consensus
$13.65

Price targets are 12-month analyst forecasts. Actual results depend on earnings, market conditions, and sector trends.

Earnings & Revenue Estimates

Forward Growth Estimates (YoY)
FY2027
Rev+25.54%
EPS+43.85%
FY2028
Rev+24.84%
EPS+43.57%
FY2029
Rev+23.79%
EPS+45.95%
Raw consensus estimates (low / average / high) from covering analysts.
Annual
MetricFY2027EFY2028EFY2029EFY2030E
Revenue Avg$5.28B$6.59B$8.15B$17.00B
Low$5.08B$6.13B$7.42B$15.92B
High$5.59B$7.03B$8.93B$18.28B
EBITDA Avg$-1.13B$-1.42B$-1.75B$-3.66B
Low$-1.20B$-1.51B$-1.92B$-3.93B
High$-1.09B$-1.32B$-1.60B$-3.42B
EBIT Avg$-1.44B$-1.80B$-2.23B$-4.64B
Low$-1.53B$-1.92B$-2.44B$-4.99B
High$-1.39B$-1.67B$-2.03B$-4.34B
Net Income Avg$633M$900M$1.29B$1.40B
Low$475M$623M$1.16B$1.28B
High$792M$1.18B$1.41B$1.54B
EPS Avg$1.80$2.58$3.77$4.11
Low$1.39$1.83$3.39$3.77
High$2.32$3.45$4.13$4.51
Analysts (Rev / EPS)25 / 1623 / 2211 / 108 / 8
Quarterly
MetricQ3 2026Q4 2026Q1 2027Q2 2027Q3 2027Q4 2027Q1 2028Q2 2028
Revenue Avg$1.16B$1.39B$1.30B$1.42B$1.47B$1.72B$1.62B$1.76B
Low$1.14B$1.35B$1.26B$1.38B$1.43B$1.67B$1.57B$1.70B
High$1.19B$1.45B$1.35B$1.48B$1.53B$1.79B$1.68B$1.83B
EBITDA Avg$-250M$-299M$-280M$-305M$-316M$-371M$-347M$-378M
Low$-256M$-311M$-291M$-318M$-329M$-386M$-362M$-393M
High$-245M$-290M$-271M$-296M$-307M$-359M$-337M$-366M
EBIT Avg$-317M$-379M$-355M$-387M$-401M$-470M$-441M$-479M
Low$-325M$-395M$-370M$-403M$-418M$-490M$-459M$-499M
High$-311M$-368M$-344M$-375M$-389M$-456M$-428M$-465M
Net Income Avg$121M$181M$142M$179M$187M$254M$198M$245M
Low$88M$174M$136M$172M$179M$244M$191M$235M
High$161M$191M$149M$188M$197M$268M$209M$258M
EPS Avg$0.35$0.52$0.41$0.51$0.54$0.73$0.57$0.70
Low$0.25$0.50$0.39$0.49$0.52$0.70$0.55$0.68
High$0.46$0.55$0.43$0.54$0.57$0.77$0.60$0.74
Analysts (Rev / EPS)15 / 510 / 17 / 17 / 37 / 37 / 16 / 213 / 4

Earnings Surprises

Recent Analyst Actions

Aug 12, 2026BMO Capital
Affirm price target raised to $86 from $78 at BMO Capital
Target:$86.00
+12.1%from $76.70
Jul 24, 2026Truist Financial
Affirm price target raised to $83 from $80 at Truist
Target:$83.00
+16.6%from $71.21
Jul 21, 2026Bernstein
Affirm initiated with an Outperform at Bernstein
Target:$100.00
+33.8%from $74.72
Jul 17, 2026Compass Point
Affirm Holdings (AFRM) PT Raised to $100 at Compass PointMember Login
Target:$100.00
+25.3%from $79.84
Jul 14, 2026Robert W. Baird
Affirm price target raised to $82 from $70 at Baird
Target:$82.00
+0.1%from $81.93
Jul 9, 2026Goldman Sachs
Affirm price target raised to $106 from $90 at Goldman Sachs
Target:$106.00
+30.4%from $81.28
Jul 8, 2026Barclays
Affirm initiated with an Overweight at Barclays
Target:$97.00
+16.0%from $83.62
Jun 29, 2026Piper Sandler
Affirm initiated with an Overweight at Piper Sandler
Target:$103.00
+25.9%from $81.79
Jun 25, 2026Susquehanna
Affirm price target raised to $105 from $100 at Susquehanna
Target:$105.00
+35.2%from $77.66
May 10, 2026Morgan Stanley
Affirm price target raised to $79 from $76 at Morgan Stanley
Target:$79.00
+23.4%from $64.01
May 8, 2026Oppenheimer
Affirm price target raised to $87 from $83 at Oppenheimer
Target:$87.00
+32.1%from $65.87
May 8, 2026Robert W. Baird
Affirm price target raised to $70 from $55 at Baird
Target:$70.00
+5.7%from $66.20
May 8, 2026Stephens
Affirm price target raised to $75 from $55 at Stephens
Target:$75.00
+10.4%from $67.93
Apr 24, 2026Truist Financial
Affirm price target raised to $75 from $71 at Truist
Target:$75.00
+19.4%from $62.84
Apr 21, 2026BMO Capital
Affirm initiated with an Outperform at BMO Capital
Target:$75.00
+16.1%from $64.60
Feb 20, 2026Truist Financial
Affirm price target lowered to $71 from $85 at Truist
Target:$71.00
+37.4%from $51.69
Feb 19, 2026Robert W. Baird
Affirm initiated with a Neutral at Baird
Target:$55.00
+6.1%from $51.82
Feb 18, 2026Compass Point
Affirm Holdings Inc. (AFRM) PT Raised to $68 at Compass Point
Target:$68.00
+30.6%from $52.06
Feb 9, 2026Mizuho Securities
Affirm price target lowered to $95 from $114 at Mizuho
Target:$95.00
+66.6%from $57.03
Feb 6, 2026RBC Capital
Affirm price target lowered to $77 from $87 at RBC Capital
Target:$77.00
+35.1%from $56.99
Feb 6, 2026Oppenheimer
Affirm price target lowered to $83 from $95 at Oppenheimer
Target:$83.00
+46.4%from $56.68
Feb 6, 2026Susquehanna
Affirm price target lowered to $100 from $105 at Susquehanna
Target:$100.00
+68.3%from $59.42
Feb 6, 2026Goldman Sachs
Affirm price target lowered to $83 from $96 at Goldman Sachs
Target:$83.00
+39.7%from $59.42
Feb 6, 2026UBS
Affirm price target lowered to $78 from $86 at UBS
Target:$78.00
+31.3%from $59.42
Feb 3, 2026Morgan Stanley
Morgan Stanley upgrades Affirm on 'compelling' entry point
Target:$76.00
+22.6%from $61.99
Data is provided for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.