Affirm Holdings: Analysts' Ratings and Price Targets

Analysts' ratings for Affirm Holdings (AFRM) show a mix of bullish and bearish sentiments. The average 12-month price target is $73.82, with a high estimate of $84.00 and a low estimate of $58.00. Analysts have recently raised their price targets and ratings, with some maintaining their stance. The current average reflects a 15.8% increase from the previous average price target of $63.75.

Analysts' ratings for Affirm Holdings (AFRM) have shown a mix of bullish and bearish sentiments, with the average 12-month price target rising to $73.82, a 15.8% increase from the previous average of $63.75. The high estimate stands at $84.00, while the low estimate is $58.00. Recent adjustments to price targets and ratings reflect the ongoing debate among analysts about the company's prospects.

Evercore ISI maintained its Outperform rating but added AFRM to its Tactical Underperform list, citing potential near-term headwinds and a valuation that is trading close to peak levels [2]. Despite this, the firm acknowledged Affirm's strong risk platform and long-term growth potential. Similarly, RBC Capital raised its price target to $75, maintaining a Sector Perform rating, while Needham reiterated a Hold rating due to potential revenue challenges [2].

Affirm's expansion into new verticals, geographies, and products, such as its recent partnership with Stripe and Google Pay, has been noted as a positive development [2]. However, concerns about competition from Synchrony and potential margin pressure due to a higher mix of non-interest-bearing transactions remain [1]. Additionally, Affirm's valuation metrics, such as a forward 12-month price-to-sales multiple of 6.26X and a price-to-free cash flow ratio of 44.25X, are significantly higher than industry averages and rival BNPL providers [3].

The upcoming earnings report scheduled for August 28, 2025, will provide further clarity on Affirm's financial performance and guidance for fiscal year 2026. Analysts will be closely monitoring the company's volume and revenue growth, as well as its margin outlook, to reassess their ratings and price targets.

References:

[1] https://www.tipranks.com/stocks/afrm
[2] https://www.investing.com/news/analyst-ratings/evercore-isi-reiterates-outperform-on-affirm-stock-despite-nearterm-caution-93CH-4199387
[3] https://www.theglobeandmail.com/investing/markets/stocks/XYZ/pressreleases/34251163/afrm-trades-at-premium-too-much-affirm-ation-or-still-time-to-buy/