Insider buying last 90 days
No open-market insider purchases were filed for AFRM in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every AFRM insider filing, plotted on the chart in Gekko.Open AFRM in Gekko
NASDAQ: AFRM
Affirm (AFRM) Stock Analysis & Forecast
Sep 28 close
$67.21−4.31 (−6.0%)
Gekko Brief
AI summaryAffirm fell this week, closing at $67.21, down 6% on a day when rising yields and inflation concerns pressured rate-sensitive fintech names broadly, with peer SoFi also declining. Beyond the daily move, coverage this week centered on Affirm's financial profile, including revenue breakdown data showing €3.73 billion generated last year, with the Interest segment contributing €1.79 billion and €3.60 billion coming from the United States market. A separate piece questioned whether Affirm can sustain profitability amid funding cost pressures as it enters fiscal 2027 with GMV growth and improving margins.
The stock trades between its 50-day average of $73.61 and 200-day average of $66.75, reflecting a mixed trend, and sits 13.3% lower over one month and 17.8% lower over three months, though six-month returns remain up 58%. The GekkoIndex reads 61.9, placing the stock in the Accumulation zone. Price stands 19.8% below Gekko Fair Value of $83.80.
The next earnings report is scheduled for 5 November 2026, after the close, 37 days away and outside a typical 20-trading-day hold. Over the last 30 days, 2 unusual options signals appeared, with call premium of $1,906,785 against put premium of $44,756. Seasonality over the next 20 trading days has averaged 4.1% across 5 years, rising in 2 of them. Consensus among 28 firms includes 23 buy and 5 hold ratings, with a consensus target of $99.09.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Affirm price vs fair value
Close $67.21200-day averageGekko Fair Value $83.80
Affirm quick facts
- Market cap
- $22.51B
- P/E ratio
- 12.9
- Forward P/E
- 35.6
- EPS, TTM
- $5.53
- Revenue, TTM
- $4.26B
- Profit margin
- 45.3%
- Dividend yield
- —
- Beta
- 3.61
- Volume
- 3.66M avg 4.82M
- 1-year return
- −13.8%
- Typical daily move
- ±5.1%
- Typical 20-day move
- ±15.6%
- 50-day average
- $73.61
- 200-day average
- $66.75
- Next earnings
- Nov 5 after close
- Shares outstanding
- 296.9M
Affirm swing-trade checklist
Affirm scores 4 supportive, 2 mixed and 0 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive2 mixed0 headwinds
- Trendmixed
Averages disagree
Close $67.21 sits between the 50-day ($73.61) and 200-day ($66.75) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
61.9, Accumulation
Reading 61.9 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
19.8% below
Price is 19.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 30 days: 2 unusual options signals.
See smart money - Earnings risksupportive
Reports in 37 days
Next report Nov 5, 2026, 37 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
+4.1% on average
From this point in the calendar, the next 20 trading days averaged +4.1% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Affirm stock chart and price history
Affirm closed at $67.21 on Sep 28, 2026, −13.8% over the past year, inside a 52-week range of $42.10 to $90.44.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −13.3%
- 3 months
- −17.8%
- 6 months
- +58.0%
- 1 year
- −13.8%
The full AFRM chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open AFRM in Gekko
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About Affirm
Affirm runs an online and app-based checkout financing service reaching shoppers in the United States and Canada. Rather than paying in full at the register, customers can split purchases into installments, with repayment stretching anywhere from as short as one month to as long as forty-eight months, and the company supplies both a consumer app and a set of tools merchants use to plug this financing into their stores.
Its financing is made possible through a network of bank partners that originate the loans behind each purchase, letting Affirm connect shoppers with credit at checkout rather than lending directly itself. Merchant partners have numbered close to 29,000 as of mid-2021, covering everything from small sellers and major retailers to online-only brands and brick-and-mortar stores, in fields like athletic gear, furniture, travel booking, clothing, jewelry, electronics and other accessories.
Affirm traces its start to 2012 and keeps its headquarters in San Francisco, California. Shares trade on the NASDAQ under the ticker AFRM.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- affirm.com
Affirm GekkoIndex: the smart money zone
Affirm’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 61.9, in the Accumulation zone, up 1 point over five sessions.
61.9Accumulation
Up 1 point over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 25 | −0.6% | −2.3% | ||
| Accumulation (current zone) | 228 | +0.4% | +5.5% | ||
| Neutral | 374 | +1.5% | +3.8% | ||
| Distribution | 40 | −1.7% | −6.1% | ||
| Selling | 5 | Too few readings yet | |||
Average AFRM share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the AFRM price, zone by zone.Track AFRM in Gekko
Is Affirm stock overvalued? Gekko Fair Value
Affirm trades 19.8% below Gekko Fair Value of $83.80, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Affirm shares are worth, recalculated every trading day.
$83.80
Gekko Fair Value, Sep 29, 2026
19.8% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open AFRM in Gekko
Affirm insider and Congress trading
No open-market insider purchases were filed for Affirm, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in AFRM were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for AFRM, plotted on the chart in Gekko.Open AFRM in Gekko
Buybacks
Affirm has been buying back its own shares.
- Bought back, quarter ended Sep 30, 2025
- $112.3M
- As a share of market cap
- 0.50%
From company filings.
Unusual options activity last 30 days
2signals, 98% of the flagged premium in calls.
Latest: Bullish flow on Sep 19, $997K in unusual premium.
Hedge funds and billionaires quarter ended Jun 30
3of the funds Gekko tracks hold AFRM.
1added0opened2trimmed1sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
Affirm earnings: next date and track record
Affirm reports on Nov 5, 2026, after the close (37 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Nov 5, 2026
Expected after the close, 37 days away
- EPS estimate
- $0.34
- Revenue estimate
- $1.21B
8 of 8reports beat the EPS estimate
±8.3%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 27, 2026 AI summary
- What they said
- Affirm reported its most profitable quarter ever in fiscal Q4 2026, excluding tax allowance release. The company is expanding leadership with Michael Linford promoted to President and Pat Suh to SVP/GM of Global Markets. Affirm currently reaches 80 of the top 250 e-commerce sites and 10% of e-commerce merchants, with continued merchant expansion underway. Management is investing in next-generation products targeting fiscal 2028-2029 impact.
- Guidance
- Fiscal 2027 growth is expected to remain strong based on precedent of initial guidance trajectory. Long-term product expansion beyond point-of-sale credit is planned, including cards, accounts, and business purchases. Near-term financials reflect existing working products; speculative initiatives are targeted for 2028-2029.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 27, 2026 | $4.62 est $0.33 | $1.17B est $1.11B | +1.7% |
| May 7, 2026 | $0.62 est $0.16 | $1.04B est $995.3M | −2.4% |
| Feb 5, 2026 | $0.37 est $0.27 | $1.12B est $1.06B | −8.3% |
| Nov 6, 2025 | $0.23 est $0.11 | $933.3M est $883.2M | +2.9% |
| Aug 28, 2025 | $0.20 est $0.12 | $876.4M est $837.0M | +14.0% |
| May 8, 2025 | $0.01 est −$0.01 | $783.1M est $783.0M | −10.0% |
| Feb 6, 2025 | $0.23 est −$0.21 | $866.4M est $807.2M | +19.8% |
| Nov 7, 2024 | −$0.31 est −$0.34 | $698.5M est $664.0M | −7.0% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Affirm stock forecast and analyst price targets
Analysts’ average 12-month price target for Affirm is $99.09, +47.4% from the last close, from 28 firms rating the stock in the last 90 days.
$99.09consensus 12-month target, +47.4% from the last close
Now $67.21Avg $99.09
Low $82High $124
Each firm’s latest rating in the last 90 days: 28 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 25 | Deutsche Bank | $100 | +48.8% |
| Sep 24 | Truist Financial | — | — |
| Sep 24 | Wells Fargo | $105 | +56.2% |
| Sep 23 | BMO Capital | $101 | +50.3% |
| Sep 14 | Wolfe Research | $90 | +33.9% |
+5.5%average 20-day move after past Accumulation readings
+4.1%average move over the next 20 trading days in the last 5 years
±5.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Affirm seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Affirm averaged +4.1% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.5% | 2 of 5 |
| Next 10 trading days | +4.5% | 2 of 5 |
| Next 15 trading days | +2.7% | 2 of 5 |
| Next 20 trading days | +4.1% | 2 of 5 |
| Next 30 trading days | +3.0% | 3 of 5 |
For scale, AFRM’s typical 20-trading-day move in either direction is about 15.6%.
Affirm market cap and key statistics
Affirm’s market cap is $22.51B, with a P/E ratio of 12.9 and revenue of $4.26B over the last twelve months.
Valuation
- Market cap
- $22.51B
- P/E ratio
- 12.9
- Forward P/E
- 35.6
- EPS, TTM
- $5.53
- Gekko Fair Value
- $83.80
Trading
- Volume
- 3.66M
- Avg volume, 20 days
- 4.82M
- 52-week high
- $90.44
- 52-week low
- $42.10
- Shares outstanding
- 296.9M
Financials
- Revenue, TTM
- $4.26B
- Profit margin
- 45.3%
- Return on equity
- 45.1%
- Quarterly earnings growth, YoY
- +2,187.0%
Risk and income
- Beta
- 3.61
- Typical daily move
- ±5.1%
- Typical 20-day move
- ±15.6%
Affirm stock news this week
Coverage of Affirm this week reads neutral: 1 positive, 4 neutral and 0 negative headlines.
- Here's Why Affirm Holdings (AFRM) Fell More Than Broader MarketZacks Investment Research, Sep 28
- SoFi Falls 3% as Rising Yields Pressure Fintech; Affirm Drops 4%, Robinhood Slips24/7 Wall Street, Sep 28
- Affirm Holdings, Inc. Class A Actuals & Estimates (HAM:78P)TradingView, Sep 27
- Affirm Holdings, Inc. Class A Revenue Breakdown – DUS:78PTradingView, Sep 26
- Return on assets % of Affirm Holdings, Inc. Class A – DUS:78PTradingView, Sep 26
- Total operating expenses of Affirm Holdings, Inc. Class A – DUS:78PTradingView, Sep 26
Affirm peers
Affirm’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 5.4% below |
| MAMastercard | Neutral | 6.5% below |
| AXPAmerican Express | Accumulation | 12.9% below |
| COFCapital One Financial | Accumulation | 14.8% below |
| URIUnited Rentals | Neutral | 9.0% below |
| RKTRocket Companies | Accumulation | 23.5% below |
A peer links to its own page where one exists.
Affirm stock FAQ
What is Affirm’s market cap?
Affirm’s market cap is $22.51B at the Sep 28, 2026 close of $67.21, with 296.9M shares outstanding. The shares trade on a P/E ratio of 12.9.
What is the Affirm stock forecast?
The consensus analyst 12-month price target for Affirm is $99.09, +47.4% from the last close. Of the 28 firms that rated the stock in the last 90 days, 23 rate it a buy, 5 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Affirm stock overvalued or undervalued?
On Gekko’s estimate Affirm is undervalued: the Sep 28, 2026 close of $67.21 is 19.8% below Gekko Fair Value of $83.80. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Affirm report earnings next?
Affirm is expected to report on Nov 5, 2026, after the market closes (37 days away). Analysts expect earnings of $0.34 per share on revenue of $1.21B. Affirm beat the earnings estimate in 8 of its last 8 reports, moving 8.3% on average across the report.
What is Affirm’s 52-week high and low?
Affirm’s 52-week high is $90.44 and its 52-week low is $42.10; it closed at $67.21 on Sep 28, 2026, −13.8% over the past year. Over the last five years the shares peaked at $176.65 on Nov 8, 2021.
Is Affirm stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and earnings risk), 2 as mixed (trend and seasonality). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in Affirm?
Gekko flagged 2 unusual options signals in Affirm over the last 30 days, with $1.91M of flagged premium in calls and $45K in puts. The latest, bullish flow, was on Sep 19, 2026 with $997K in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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