NASDAQ · STOCK
Affirm Holdings
$81.30
52W $42.09 – $100.00
60/100
$27.79B
72.7
3.64
⚠
Lean Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
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: 24.8% downside vs 2.9% upside.
AI Investment Committee
Committee Consensus
As of July 08, 2026
Overall Committee Score
60/100
The AI Investment Committee is an ensemble of six specialized analytical agents: Value Analyst, Technical Analyst, Growth Analyst, Risk Analyst, Macro Analyst, and News Analyst. Each agent independently evaluates AFRM using dedicated data signals, then the committee aggregates their verdicts into a final score and recommendation. This multi-agent approach reduces individual model bias and provides a more balanced investment assessment.
Technical Analysis
RSI (14)
53.0
Neutral
MACD Histogram
0.484
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$60.31
Resistance
$82.52
Bollinger %B
0.66
Inside Bands
Price vs Moving Averages
EMA 9
$81.15
Above
EMA 21
$77.04
Above
EMA 50
$71.00
Above
EMA 200
$65.16
Above
Fundamental Analysis
Valuation
6
Growth
100
Profitability
59
Financial Health
51
Valuation
P/E Ratio
72.7×
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
[reduced confidence: limited earnings history] P/E ratio of 72.7 (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; Earnings-history trend unavailable; growth based on TTM year-over-year only.
Key Risks
- Risk/reward is unfavorable: 24.8% downside vs 2.9% 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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