Wall Street analyst estimates for Affirm Holdings, Inc. (AFRM): consensus price target, buy/hold/sell recommendations and forecasts for revenue and EPS for the upcoming fiscal years.
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users.
Consensus price target
$95.50 (+28 % vs price $74.84)
between $75.00 and $115.00 · 19 targets published in the last quarter
Closing price, Oct 29
A twelve-month target is not a fair value: compare it with the range in the Valuation tab.
Revenue and EPS estimates
| Fiscal year | Revenue (average) | Revenue (low – high) | EPS (average) | Analysts |
|---|---|---|---|---|
| 2027E | $5.5B | $5.4B – $5.7B | $2.00 | 16 |
| 2028E | $6.9B | $6.7B – $7.1B | $2.90 | 13 |
| 2029E | $8.5B | $7.6B – $9.6B | $3.93 | 14 |
Fiscal year ending in June · figures in USD · consensus as of October 29, 2026
Analyst Consensus
| Strong Buy | 0 |
| Buy | 28 |
| Hold | 10 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 38 |
| Avg rating (−2 sell to +2 buy) | 0.74 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-05 | $0.38 | ||
| 2026-08-27 | $4.62 | $0.35 | +1230.3% |
| 2026-05-07 | $0.30 | $0.17 | +76.1% |
| 2026-02-05 | $0.37 | $0.28 | +32.1% |
| 2025-11-06 | $0.23 | $0.11 | +105.2% |
| 2025-08-28 | $0.20 | $0.12 | +61.9% |
| 2025-05-08 | $0.01 | $-0.01 | +258.2% |
| 2025-02-06 | $0.23 | $-0.21 | +209.5% |
Valuation Ratios
| P/E Ratio | 13.56 |
| Price / Book | 4.84 |
| EV / EBITDA | 23.42 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $264.4M | $509.5M | $870.5M | $1.35B | $1.59B | $2.32B | $3.22B | $3.95B |
| Cost of Revenue | $108.7M | $172.2M | $322.9M | $576.5M | $873.2M | $845.1M | $1.05B | $1.22B |
| Gross Profit | $155.6M | $337.3M | $547.5M | $772.8M | $714.8M | $1.48B | $2.18B | $2.73B |
| Research & Development | $70.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $105.8M | $146.3M | $565.9M | $1.11B | $1.22B | $1.10B | $979.9M | $920.8M |
| Operating Expenses | $257.2M | $445.1M | $931.2M | $1.64B | $1.92B | $2.09B | $2.26B | $1.86B |
| Operating Income | -$101.5M | -$107.8M | -$383.7M | -$866.0M | -$1.20B | -$615.8M | -$87.3M | $870.9M |
| EBITDA | -$89.3M | -$70.5M | -$370.7M | -$602.4M | -$671.6M | -$2.2M | $712.0M | $1.25B |
| Interest Expense | $25.9M | $32.3M | $52.7M | $69.7M | $183.0M | $344.3M | $425.5M | $453.6M |
| Pre-tax Income | -$120.4M | -$112.2M | -$443.4M | -$724.8M | -$989.2M | -$515.5M | $61.5M | $492.7M |
| Income Tax | $36,000 | $376,000 | -$2.3M | -$17.4M | -$3.9M | $2.2M | $9.3M | -$1.44B |
| Net Income | -$120.5M | -$112.6M | -$441.0M | -$707.4M | -$985.3M | -$517.8M | $52.2M | $1.93B |
| EPS | $-0.47 | $-0.44 | $-1.64 | $-2.51 | $-3.34 | $-1.67 | $0.16 | $5.76 |
| EPS (Diluted) | $-0.47 | $-0.44 | $-1.64 | $-2.51 | $-3.34 | $-1.67 | $0.15 | $5.53 |
| Shares Outstanding (Diluted) | 257.4 M | 257.4 M | 269.5 M | 281.7 M | 295.3 M | 309.9 M | 341.0 M | 348.8 M |
Price
| Price | $74.84 (closing price, October 29, 2026) |
| Market Cap | $22.3B |
| Exchange | NASDAQ |
| Country | US |
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