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AFRM

AffirmB
Nasdaq / Financial Services
Last Price
At close
2026-06-02
View Chart
Current thesis
Primary company evidence supports a still-constructive earnings read: strong GMV, RLTC, and operating margin expansion, plus raised Q4 and FY26 outlook. The checked secondary earnings coverage also framed the quarter as a beat versus consensus, which aligns with the positive deterministic prior.
Posture
Constructive
Lead driver
Momentum
What changed
1 setup hits (3d) with net bullish as of 2026-06-03.
What can break
30+ day delinquencies excluding Peloton and Pay in X increased 29 basis points year over year to 2.8%, while allowance for credit losses rose to 6.0% of loans held for investment [#8-K-2026-05-07].
Momentum
84
Value
37
Sentiment
53
Setup hits (3d)
1 · Net Bullish
AI TargetsBase $72.00 · Bull $82.00 · Bear $56.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-09 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $85.54
Why
Momentum84 · Δ7d -1.4
Value37 · Δ7d -0.6
Sentiment53 · Δ7d -8.8
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
84
34% active weight
Current posture
7d trendFlat
Δ7d
-1.4
Δ21d
-2.7
Value
37
32% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-1.0
Sentiment
53
33% active weight
Current posture
7d trendSoftening
Δ7d
-8.8
Δ21d
-1.7
Why this grade

Composite grade B. Momentum 84.4 / Value 37.3 / Sentiment 52.8

Fundamentals (TTM)
As of 2026-06-02
Market Cap
$23.78B
Beta
3.57
Shares Out
330.07M
P/E (TTM)
125.1
P/S (TTM)
7.71
P/FCF (TTM)
34.67
Rev YoY
+33.6%
EPS YoY
+173.6%
Gross Margin
+92.5%
Op Margin
+5.0%
Net Debt
$6.26B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology