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AFRM

AffirmB
Nasdaq / Financial Services
Last Price
At close
2026-07-20
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
Momentum remains the lead driver in the composite, 7D delta +3.0.
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
95
Value
40
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $72.00 · Bull $82.00 · Bear $56.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-09 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $92.89
Why
Momentum95 · Δ7d +3.0
Value40 · Δ7d +0.1
Sentiment48 · Δ7d +5.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
95
26% active weight
Current posture
7d trendFlat
Δ7d
+3.0
Δ21d
+16.4
Value
40
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.1
Sentiment
48
34% active weight
Current posture
7d trendImproving
Δ7d
+5.2
Δ21d
+2.2
Why this grade

Composite grade B. Momentum 94.6 / Value 39.7 / Sentiment 48.1

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$25.48B
Beta
3.57
Shares Out
334.9M
P/E (TTM)
125.1
P/S (TTM)
7.71
P/FCF (TTM)
34.67
Rev YoY
+33.7%
EPS YoY
+3549.4%
Gross Margin
+76.5%
Op Margin
+5.0%
Net Debt
$5.23B
Current Ratio
15.31
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology