NASDAQ · STOCK
Affirm Holdings
$83.41
52W $42.09 – $100.00
58/100
$27.22B
71.2
3.65
Price History (6M)
Executive Summary
7 analysts weighed in with 71% agreement on a bullish lean. Portfolio Manager: Portfolio position concentration is currently healthy. Value Analyst: P/E of 73.1 is expensive by classic value standards. Overall recommendation: WATCH.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Higher Highs / Higher Lows structure confirms bullish price action.
Bear Case
- Risk/reward is unfavorable: 27.7% downside vs 1.3% upside.
AI Investment Committee
Committee Consensus
As of July 11, 2026
Overall Committee Score
58/100
Agreement
71%
Analysts
7
Conviction
Contested
Value Analyst
bearish
28
/ 100 · Moderate confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
− P/E of 73.1 is expensive by classic value standards
Growth Analyst
bullish
67
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 32.1% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.48) amplifies downside in a stress scenario
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
69
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.36 across 11 articles, 14d)
Portfolio Manager
bullish
75
/ 100 · Low confidence
The existing book is healthy enough that position-sizing here is a matter of stock selection, not portfolio constraints
+ Portfolio position concentration is currently healthy
Technical Analysis
RSI (14)
62.2
Neutral
MACD Histogram
0.245
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$60.31
Resistance
$84.51
Bollinger %B
0.73
Inside Bands
Price vs Moving Averages
EMA 9
$82.18
Above
EMA 21
$78.26
Above
EMA 50
$72.02
Above
EMA 200
$65.54
Above
Fundamental Analysis
Valuation
6
Growth
84
Profitability
59
Financial Health
51
Valuation
P/E Ratio
71.2×
P/B Ratio
7.27×
PEG Ratio
—
Dividend Yield
—
52W High
$100.00
52W Low
$42.09
Quality & Growth
ROE
1117.0%
ROA
314.0%
Gross Margin
9255.0%
Operating Margin
825.0%
Revenue Growth YoY
+3207.0%
Debt / Equity
2.48
AI Fundamental Assessment
P/E ratio of 71.2 (rich relative to a 15-40x range); Price-to-book of 7.3x; Revenue growth (YoY) of 32.1%; Return on equity of 11.2%; Return on assets of 3.1%; Net margin of 9.6%; Gross margin of 92.5%; Current ratio of 4.20 (healthy short-term liquidity); Debt-to-equity of 2.48; Most recent quarter beat estimates by 53.5%; 4 consecutive earnings beats; EPS growth decelerating (+60.9% -> -18.9% QoQ); Analyst estimates rising over recent quarters
Key Risks
- Risk/reward is unfavorable: 27.7% downside vs 1.3% upside.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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