Affirm Holdings (AFRM) is trading up at $74.17 (+1.88%), as of the latest quote. It is a Russell 1000 constituent in the Financials sector.
Analyst price targets on AFRM
Current price targets from 3 firms average $101, median $104, ranging from $85 to $115 — the average is 37% above the current $74.2. Each is tracked to its date and scored the same way a member's call is.
- Citizens JMP $70.5 → $85 by Oct 2027 Oct 15, 2026 via Investing.com · Citizens JMP's track record
- Goldman Sachs $71.2 → $115 by Sep 2027 Sep 19, 2026 via Yahoo Finance · Goldman Sachs's track record
- Bank of America $74.1 → $104 by Sep 2027 Sep 2, 2026 via Yahoo Finance · Bank of America's track record
Targets published by research firms, extracted from the news, checked against independent reporting, and linked to their source. Where a firm did not state a horizon the target is tracked as 12 months, the industry convention; the rows where the firm set its own horizon are marked. Reported here as facts about what was published — not recommendations from Dalsna Finance, and no firm listed is affiliated with this site.
Affirm Holdings revenue & net income history (FY2019–FY2026)
| FY2019Jun 2019 | FY2020Jun 2020 | FY2021Jun 2021 | FY2022Jun 2022 | FY2023Jun 2023 | FY2024Jun 2024 | FY2025Jun 2025 | FY2026Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||
| Revenue | $264.4M | $509.5M | $870.5M | $1.35B | $1.59B | $2.32B | $3.22B | $4.26B |
| Growth (year over year) | — | +92.7% | +70.8% | +55.0% | +17.7% | +46.3% | +38.8% | +32.2% |
| Operating income | −$127.4M | −$107.8M | −$383.7M | −$866.0M | −$1.20B | −$615.8M | −$87.3M | $417.0M |
| Operating margin | −48.2% | −21.2% | −44.1% | −64.2% | −75.6% | −26.5% | −2.7% | 9.8% |
| Net income | −$120.5M | −$112.6M | −$441.0M | −$707.4M | −$985.3M | −$517.8M | $52.2M | $1.93B |
| Net margin | −45.6% | −22.1% | −50.7% | −52.4% | −62.1% | −22.3% | 1.6% | 45.3% |
| EPS (diluted) | −$2.84 | −$2.63 | −$2.94 | −$2.51 | −$3.34 | −$1.67 | $0.15 | $5.53 |
| Balance sheet | ||||||||
| Cash and equivalents | $357.8M | $267.1M | $1.47B | $1.26B | $892.0M | $1.01B | $1.35B | $1.63B |
| Total assets | — | $1.40B | $4.87B | $6.97B | $8.16B | $9.52B | $11.2B | $15.8B |
| Total liabilities | — | $965.2M | $2.29B | $4.36B | $5.62B | $6.79B | $8.09B | $10.3B |
| Long-term debt | — | — | — | — | — | $1.84B | $7.61B | $9.79B |
| Shareholders' equity | −$263.4M | −$367.1M | $2.58B | $2.62B | $2.53B | $2.73B | $3.07B | $5.48B |
| Cash flow | ||||||||
| Operating cash flow | −$87.6M | −$71.3M | −$193.1M | −$162.2M | $12.2M | $450.1M | $793.9M | $1.23B |
| Capital expenditure | $19.4M | $21.0M | $20.3M | $86.3M | $120.8M | $159.3M | $192.2M | $238.3M |
| Free cash flow | −$107.1M | −$92.3M | −$213.4M | −$248.5M | −$108.6M | $290.8M | $601.7M | $992.6M |
| Share buybacks | $2.63M | $18.9M | $800.0K | $86.0K | $109.0K | $0 | $250.0M | $0 |
| Q1 FY25Sep 2024 | Q2 FY25Dec 2024 | Q3 FY25Mar 2025 | Q4 FY25†Jun 2025 | Q1 FY26Sep 2025 | Q2 FY26Dec 2025 | Q3 FY26Mar 2026 | Q4 FY26†Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||
| Revenue | $698.5M | $866.4M | $783.1M | $876.4M | $933.3M | $1.12B | $1.04B | $1.17B |
| Growth (year over year) | +40.7% | +46.6% | +35.9% | +33.0% | +33.6% | +29.6% | +32.6% | +33.0% |
| Operating income | −$132.6M | −$4.32M | −$8.39M | $58.1M | $63.7M | $117.6M | $88.4M | $147.3M |
| Operating margin | −19.0% | −0.5% | −1.1% | 6.6% | 6.8% | 10.5% | 8.5% | 12.6% |
| Net income | −$100.2M | $80.4M | $2.80M | $69.2M | $80.7M | $129.6M | $102.9M | $1.62B |
| Net margin | −14.3% | 9.3% | 0.4% | 7.9% | 8.6% | 11.5% | 9.9% | 138.7% |
| EPS (diluted) | −$0.31 | $0.23 | $0.01 | $0.22 | $0.23 | $0.37 | $0.30 | $4.63 |
| Balance sheet | ||||||||
| Cash and equivalents | $1.05B | $1.20B | $1.35B | $1.35B | $1.43B | $1.53B | $1.72B | $1.63B |
| Total assets | $10.1B | $10.5B | $10.4B | $11.2B | $11.5B | $13.0B | $13.1B | $15.8B |
| Total liabilities | $7.30B | $7.70B | $7.56B | $8.09B | $8.18B | $9.41B | $9.36B | $10.3B |
| Long-term debt | — | $7.31B | $7.15B | $7.61B | $7.74B | $9.01B | $8.87B | $9.79B |
| Shareholders' equity | $2.84B | $2.79B | $2.87B | $3.07B | $3.30B | $3.55B | $3.78B | $5.48B |
| Cash flow | ||||||||
| Operating cash flow | $196.9M | $312.0M | $210.4M | $74.6M | $374.6M | $173.7M | $386.5M | $296.2M |
| Capital expenditure | $44.2M | $43.9M | $53.0M | $51.1M | $54.4M | $55.7M | $61.4M | $66.9M |
| Free cash flow | $152.7M | $268.1M | $157.4M | $23.5M | $320.2M | $118.0M | $325.1M | $229.3M |
| Share buybacks | — | — | $0 | $0 | — | — | $0 | $0 |
From Affirm Holdings's 10-K and 10-Q filings with the SEC; its fiscal year ends in June. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. † Quarter derived from the company's year-to-date or full-year totals. Filings on SEC EDGAR →
About Affirm Holdings
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later (BNPL) financier. As of 2026, Affirm reports nearly 28 million users and processes $50 billion in annual payments.
Source: Wikipedia — Affirm Holdings
- Headquarters
- San Francisco, California From SEC filings, Oct 2026
Recent News (3)
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Is Affirm Holdings, Inc. (AFRM) Stock a Buy After Goldman Sachs Raised Its Price Target?
Is Affirm Holdings, Inc. (AFRM) Stock a Buy After Goldman Sachs Raised Its Price Target?
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Goldman Sachs Is Bullish. Here Are 3 Reasons AFRM Stock Could Climb 69%.
Goldman Sachs Is Bullish. Here Are 3 Reasons AFRM Stock Could Climb 69%.
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