[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"app-context":3,"blog-affirm-afrm-stock-valuation-2026-EN":222},{"languages":4,"categories":41,"products":125,"competitors":149},[5,9,13,17,21,25,29,33,37],{"name":6,"code":7,"id":8},"English","EN","TGFuZ3VhZ2U6ZW4=",{"name":10,"code":11,"id":12},"Español","ES","TGFuZ3VhZ2U6ZXM=",{"name":14,"code":15,"id":16},"Português","PT","TGFuZ3VhZ2U6cHQ=",{"name":18,"code":19,"id":20},"日本語","JA","TGFuZ3VhZ2U6amE=",{"name":22,"code":23,"id":24},"한국어","KO","TGFuZ3VhZ2U6a28=",{"name":26,"code":27,"id":28},"Deutsch","DE","TGFuZ3VhZ2U6ZGU=",{"name":30,"code":31,"id":32},"Italiano","IT","TGFuZ3VhZ2U6aXQ=",{"name":34,"code":35,"id":36},"Français","FR","TGFuZ3VhZ2U6ZnI=",{"name":38,"code":39,"id":40},"中文 (中国)","ZH","TGFuZ3VhZ2U6emg=",[42,73,104],{"icon":43,"slug":44,"title":45,"description":46,"featuredLinks":47},"mingcute:stock-line","stock-market-basics","Stock Market Basics","\u003Cp>Beginners' guides and practical tips for understanding stock market investing.\u003C\u002Fp>\n",[48,53,58,63,68],{"url":49,"title":50,"description":51,"ogImage":52},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-makes-stocks-go-up-and-down","What Makes Stocks Go Up and Down | TIKR.com","Understanding what makes stock prices go up and down can help investors better navigate investing. Click to learn more!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-makes-stocks-go-up-and-down-banner\u002FWhat-makes-stocks-go-up-and-down-banner.jpg?_i=AA",{"url":54,"title":55,"description":56,"ogImage":57},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fdividend-yield-meaning-formula-example","Dividend Yield: Meaning, Formula, Example | Tikr.com Blog | TIKR.com","The dividend yield is a key metric for investors looking to gauge the income potential of their investments. It measures how much a company pays out in","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FDividend-yield\u002FDividend-yield.png?_i=AA",{"url":59,"title":60,"description":61,"ogImage":62},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fmarket-capitalization-definition-formula-and-why-it-matters","Market Capitalization: Definition, Formula, and Why It Matters | TIKR.com","Long-term investors often look at various valuation metrics when deciding whether to invest in a particular company. One helpful metric to evaluate is","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FMarket-Capitalization-Definition-Formula-and-Why-It-Matters\u002FMarket-Capitalization-Definition-Formula-and-Why-It-Matters.png?_i=AA",{"url":64,"title":65,"description":66,"ogImage":67},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fearnings-per-share-definition-formula-and-why-eps-matters","Earnings Per Share: Definition, Formula, and Why EPS Matters | TIKR.com","Earnings Per Share (EPS) represents the portion of a company's net earnings allocated to each share. Click to learn more!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEPS-Defiinition-formula-and-why-EPS-matters-1\u002FEPS-Defiinition-formula-and-why-EPS-matters-1.png?_i=AA",{"url":69,"title":70,"description":71,"ogImage":72},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-stock-price-target","What Is a Stock Price Target? | TIKR.com","A price target is a stock's estimated future price. It can help investors quickly find undervalued stocks. Learn more now!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-Stock-Price-Target-2\u002FWhat-is-a-Stock-Price-Target-2.png?_i=AA",{"icon":74,"slug":75,"title":76,"description":77,"featuredLinks":78},"material-symbols:analytics-outline","fundamental-analysis","Fundamental Analysis","\u003Cp>In-depth resources and financial metrics to help you evaluate companies like a pro.\u003C\u002Fp>\n",[79,84,89,94,99],{"url":80,"title":81,"description":82,"ogImage":83},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fshare-repurchase-why-do-companies-buy-back-their-stock","Share Repurchase: Why Do Companies Buy Back Their Stock? | TIKR.com","Share repurchases, or share buybacks, have gained popularity in the last two decades. According to a report from Goldman Sachs, stock buybacks initiated","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FTIKR-BLOG-COVER-PHOTOS-3_544a7f4e\u002FTIKR-BLOG-COVER-PHOTOS-3_544a7f4e.png?_i=AA",{"url":85,"title":86,"description":87,"ogImage":88},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-return-on-invested-capital","What Is a Good Return on Invested Capital? | TIKR.com","Learning about Return on Invested Capital (ROIC) can help investors spot highly profitable stocks that can drive long-term returns. Learn more now!","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-return-on-Invested-capital\u002FWhat-is-a-good-return-on-Invested-capital.png?_i=AA",{"url":90,"title":91,"description":92,"ogImage":93},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-return-on-equity-ratio","What is a Good Return on Equity Ratio | Tikr.com Blog | TIKR.com","Return on Equity (ROE) is a financial ratio that reflects a company's profitability in relation to the equity invested by shareholders. It basically","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-return-on-equity-ratio-1\u002FWhat-is-a-good-return-on-equity-ratio-1.jpg?_i=AA",{"url":95,"title":96,"description":97,"ogImage":98},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-p-e-ratio","What Is a Good P\u002FE Ratio? | TIKR.com","Financial analysts and investors look at various metrics before deciding whether a stock is a buy. One of the metrics is the price-to-earnings ratio (P\u002FE","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-a-good-PE-ratio-1\u002FWhat-is-a-good-PE-ratio-1.jpg?_i=AA",{"url":100,"title":101,"description":102,"ogImage":103},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Ftop-6-metrics-for-investing-in-reits","Top 6 Metrics for Investing in REITs | TIKR.com","Real estate has been one of the greatest asset classes for wealth creation in history, and investing in Real Estate Investment Trusts (REITs) can allow","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FGroup-10\u002FGroup-10.png?_i=AA",{"icon":105,"slug":106,"title":107,"description":108,"featuredLinks":109},"hugeicons:investigation","investing-lingo","Investing Lingo","\u003Cp>A comprehensive glossary of investing terms and jargon so you can speak the language of the markets confidently.\u003C\u002Fp>\n",[110,115,120],{"url":111,"title":112,"description":113,"ogImage":114},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fenterprise-value-definition-and-calculation","Enterprise Value: Definition and Calculation | Tikr.com Blog | TIKR.com","Enterprise value (EV) is a financial metric that offers a comprehensive snapshot of a company's total value. Unlike market capitalization which solely","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEnterprise-Value-Definition-and-Calculation_37576e40\u002FEnterprise-Value-Definition-and-Calculation_37576e40.png?_i=AA",{"url":116,"title":117,"description":118,"ogImage":119},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Febitda-definition-formula-how-to-use-it","EBITDA: Definition, Formula, How to Use It | TIKR.com","EBITDA stands for earnings before interest, taxes, depreciation and amortization. It's a financial metric commonly used to evaluate a company's financial","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FEBITDA-Definition-Formula-How-to-Use-It\u002FEBITDA-Definition-Formula-How-to-Use-It.png?_i=AA",{"url":121,"title":122,"description":123,"ogImage":124},"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-the-free-cash-flow-formula-and-why-does-it-matter","What is the Free Cash Flow Formula and Why Does It Matter | TIKR.com","Free cash flow, or FCF, is the cash a company generates after it accounts for outflows required to maintain business operations and support capital","https:\u002F\u002Fwww.tikr.com\u002Fimages\u002FWhat-is-the-free-cash-flow-formula\u002FWhat-is-the-free-cash-flow-formula.png?_i=AA",[126,130,134,137,141,145],{"slug":127,"modified":128,"title":129},"valuation-model-builder","2025-07-03T00:18:53","Value Stocks Quickly and Accurately",{"slug":131,"modified":132,"title":133},"stock-portfolio-tracking","2024-12-02T22:21:28","Monitor Your Portfolio",{"slug":75,"modified":135,"title":136},"2025-01-21T22:10:52","Instantly Analyze Companies with In-Depth Metrics",{"slug":138,"modified":139,"title":140},"stock-screener","2024-12-02T22:13:31","Find the Best Stocks to Buy",{"slug":142,"modified":143,"title":144},"investor-stock-portfolio","2025-01-21T22:02:56","Follow Investment Moves of Top Investors",{"slug":146,"modified":147,"title":148},"analyze-stocks","2025-07-23T16:04:24","Analyze Stocks",[150,154,158,162,166,170,174,178,182,186,190,194,198,202,206,210,214,218],{"slug":151,"title":152,"modified":153},"bloomberg","Bloomberg","2025-01-16T14:23:44",{"slug":155,"title":156,"modified":157},"morningstar","Morningstar","2025-01-16T14:25:16",{"slug":159,"title":160,"modified":161},"sentieo","Sentieo","2025-01-16T17:58:27",{"slug":163,"title":164,"modified":165},"googlefinance","Google Finance","2025-01-17T19:39:37",{"slug":167,"title":168,"modified":169},"tradingview","TradingView","2025-01-16T18:17:01",{"slug":171,"title":172,"modified":173},"factset","Factset","2025-01-16T18:20:16",{"slug":175,"title":176,"modified":177},"finviz","Finviz","2025-01-16T18:23:40",{"slug":179,"title":180,"modified":181},"ycharts","YCharts","2025-01-16T18:32:19",{"slug":183,"title":184,"modified":185},"marketbeat","MarketBeat","2025-03-11T00:27:23",{"slug":187,"title":188,"modified":189},"benzinga","Benzinga","2025-03-11T00:31:00",{"slug":191,"title":192,"modified":193},"gurufocus","Gurufocus","2025-03-11T00:31:12",{"slug":195,"title":196,"modified":197},"fast-graphs","FAST Graphs","2025-03-11T00:31:19",{"slug":199,"title":200,"modified":201},"tipranks","TipRanks","2025-03-11T00:31:26",{"slug":203,"title":204,"modified":205},"seeking-alpha","Seeking Alpha","2025-03-11T00:31:45",{"slug":207,"title":208,"modified":209},"thestreet","TheStreet","2025-03-11T00:31:52",{"slug":211,"title":212,"modified":213},"investing-com","Investing.com","2025-03-11T00:32:00",{"slug":215,"title":216,"modified":217},"zacks","Zacks","2025-03-26T15:40:40",{"slug":219,"title":220,"modified":221},"alphasense","AlphaSense","2025-03-11T00:32:15",{"post":223,"seo":257,"relatedPosts":263,"suggestedPosts":338},{"id":224,"title":225,"date":226,"modified":227,"excerpt":228,"content":229,"wordCount":230,"lang":231,"uri":232,"slug":233,"cloudinaryAssetId":234,"featuredImageOriginalUrl":235,"featuredImageMetadata":236,"author":238,"editor":243,"categories":248,"relatedPosts":254,"seo":255},145492,"Down 7% In Last 12 Months, Can Affirm Stock Give Better Returns in 2026?","2026-10-27T13:02:00","2026-10-27T01:58:10","\u003Cp>Affirm stock is down 8% in a year. See what TIKR’s Valuation Model says about AFRM’s upside, with a $97 price target by June 2029.\u003C\u002Fp>\n","\n\u003Ch2 id=\"h-key-takeaways\" class=\"wp-block-heading\">\u003Cstrong>Key Takeaways:\u003C\u002Fstrong>\u003C\u002Fh2>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Record Profit:\u003C\u002Fstrong> Affirm’s fiscal Q4 was its most profitable quarter ever, even without a tax allowance release.\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Cstrong>Price Projection:\u003C\u002Fstrong> Based on current execution, AFRM stock could reach $97 by June 2029.\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Cstrong>Potential Gains:\u003C\u002Fstrong> This target implies a total return of 39% from the current price of $70.08.\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Cstrong>Annual Return:\u003C\u002Fstrong> Investors could see roughly 13% growth per year over the next 2.7 years.\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\" target=\"_blank\" rel=\"noreferrer noopener\">Now Live: Discover how much upside your favorite stocks could have using TIKR’s new Valuation Model (It’s free)\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">>>>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Affirm Holdings (\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fstock\u002Fabout?cid=695381746&tid=700284373&ref=49x9sy\">AFRM\u003C\u002Fa>) wrapped up fiscal 2026 with its strongest quarter for profit, and CEO Max Levchin said the core business is “firing on all cylinders.”\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Management also reshuffled its leadership. Michael Linford was promoted to president, and Pat Suh now leads global markets, which frees Levchin to focus on new products for fiscal 2028 and beyond.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Growth is coming from several places. Pay-in-X volume grew 41%, and Services volume nearly doubled, helped by a couple of large new platforms.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">The company’s guidance for fiscal 2027 points to steady take rates, while revenue less transaction costs is expected at about 4.16% of volume.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Still, the stock is down about 7% over the past year. At $70.08, investors can buy a profitable business at a lower price.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">See analysts’ full growth forecasts and estimates for AFRM stock (It’s free) >>>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-what-the-model-says-for-affirm-stock\" class=\"wp-block-heading\">What the Model Says for Affirm Stock\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">We looked at Affirm as it grows from a buy-now-pay-later lender into a wider payments network.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">The company is live at 80 of the top 250 e-commerce sites. It reaches only about 10% of e-commerce merchants, and Levchin says there is plenty of untapped room.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">The Affirm Card adds another path. About 19% of active users now have one; cardholders use Affirm roughly twice as often, and around 30% of card transactions happen in stores.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Affirm is also expanding abroad. The U.K. launch is going well, and early feedback from merchants has been strong.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Using a forecast of 25.9% annual revenue growth and 19.2% operating margins, our model projects the stock will rise to $97.15 by June 30, 2029. This assumes a 13.2x price-to-earnings multiple.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">That is below today’s 18.2x forward P\u002FE. It also sits under the one-year average of 19.0x. The model does not count on the market paying more.\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-our-valuation-assumptions\" class=\"wp-block-heading\">Our Valuation Assumptions\u003C\u002Fh2>\n\n\n\n\u003Cfigure class=\"wp-block-image size-full\">\u003Cimg width=\"3486\" height=\"3975\" data-public-id=\"images\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_3486,h_3975,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA\" alt=\"\" class=\"wp-post-145492 wp-image-145522\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1793018904\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 3486w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1347,h_1536,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 1347w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_767,h_875,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 767w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1796,h_2048,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 1796w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_1368,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_1596,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_300,h_342,c_scale\u002Ff_webp,q_auto\u002Fv1793018904\u002Fimages\u002FAFRM_valuation_model_guided_145522f1a83\u002FAFRM_valuation_model_guided_145522f1a83.webp?_i=AA 300w\" sizes=\"auto, (max-width: 3486px) 100vw, 3486px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">AFRM Stock Valuation Model (\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">TIKR\u003C\u002Fa>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\" target=\"_blank\" rel=\"noreferrer noopener\">Estimate a company’s fair value instantly (Free with TIKR) >>>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-our-valuation-assumptions-0\" class=\"wp-block-heading\">Our Valuation Assumptions\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">TIKR’s Valuation Model lets you plug in your own assumptions for a company’s \u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Frevenue-growth-why-its-important-and-key-drivers?ref=tikrblog\">revenue growth\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-operating-margin-definition-formula?ref=tikrblog\">operating margins\u003C\u002Fa>, and \u003Ca href=\"https:\u002F\u002Fwww.tikr.com\u002Fblog\u002Fwhat-is-a-good-p-e-ratio?ref-tikrblog\">P\u002FE multiple\u003C\u002Fa>, and calculates the stock’s expected returns.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Here’s what we used for Affirm stock:\u003C\u002Fp>\n\n\n\n\u003Ch3 id=\"h-1-revenue-growth-25-9\" class=\"wp-block-heading\">\u003Cstrong>1. Revenue Growth\u003C\u002Fstrong>: \u003Cstrong>25.9%\u003C\u002Fstrong>\u003C\u002Fh3>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Affirm grew revenue 32.1% over the past year. The three-year pace was 39%, and the five-year pace was 37.4%.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Our estimate is lower than all three, given that growth should slow as the business gets larger.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Merchants are also signing on faster. Levchin said a new retailer launch now gets support from automated systems within days, which wasn’t the case a few years ago.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Shoppers are using Affirm more often, too, and transactions per user keep rising each year.\u003C\u002Fp>\n\n\n\n\u003Ch3 id=\"h-2-operating-margins-19-2\" class=\"wp-block-heading\">\u003Cstrong>2. Operating margins\u003C\u002Fstrong>: \u003Cstrong>19.2%\u003C\u002Fstrong>\u003C\u002Fh3>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Affirm’s operating margin was 9.8% for the year 2025, while it was in the red three years back. \u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">We assume the climb continues. Credit is a key driver, as Affirm approves or declines roughly 100 million loans a quarter. It sets a credit target first and lets approval rates follow.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Management says it would slow growth before it let losses build and also sees no sign of consumer stress.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">One caution is taxes. The CFO expects the GAAP tax rate to land in the mid- to high-20% range, with some swings along the way.\u003C\u002Fp>\n\n\n\n\u003Ch3 id=\"h-3-exit-p-e-multiple-13-2x\" class=\"wp-block-heading\">\u003Cstrong>3. Exit P\u002FE Multiple: 13.2x\u003C\u002Fstrong>\u003C\u002Fh3>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">The market values Affirm at 18.2x forward earnings, and we assume this drops to 13.2x.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">We stay cautious because Affirm’s earnings history is short, and the multiple can move a lot.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Funding gives some comfort as Affirm sells loans to capital markets partners, which gives it a steady source of cash.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Its Affirm Edge product, which lets banks run Affirm-style financing, may add more over time.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">Build your own Valuation Model to value any stock (It’s free!) >>>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-what-happens-if-things-go-better-or-worse\" class=\"wp-block-heading\">What Happens If Things Go Better or Worse?\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">Consumer lenders are sensitive to credit and funding costs. Here’s how Affirm stock might perform under different scenarios through June 2031:\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Low Case:\u003C\u002Fstrong> If revenue growth slows to 20.5% and net income margins reach 23.6%, investors still see a 38.1% total return (7.1% annually), which implies a price of $96.78.\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Cstrong>Mid Case:\u003C\u002Fstrong> With 22.7% growth and 26.1% margins, we expect a total return of 91.1% (14.8% annually). That implies a price of $133.91.\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Cstrong>High Case:\u003C\u002Fstrong> If growth reaches 25.0% and margins hold at 28.4%, returns could hit 157.0% total (22.3% annually). That implies a price of $180.08.\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cfigure class=\"wp-block-image size-full\">\u003Cimg width=\"4886\" height=\"4080\" data-public-id=\"images\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp\" loading=\"lazy\" decoding=\"async\" src=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_4886,h_4080,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA\" alt=\"\" class=\"wp-post-145492 wp-image-145525\" data-format=\"webp\" data-transformations=\"f_webp,q_auto\" data-version=\"1793018913\" data-seo=\"1\" srcset=\"https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 4886w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_768,h_641,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 768w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1536,h_1283,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 1536w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_2048,h_1710,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 2048w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1200,h_1002,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 1200w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_1400,h_1169,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 1400w, https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_299,h_250,c_scale\u002Ff_webp,q_auto\u002Fv1793018913\u002Fimages\u002FAFRM_valuation_model_adv\u002FAFRM_valuation_model_adv.webp?_i=AA 299w\" sizes=\"auto, (max-width: 4886px) 100vw, 4886px\" \u002F>\u003Cfigcaption class=\"wp-element-caption\">AFRM Stock Valuation Model (\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">TIKR\u003C\u002Fa>)\u003C\u002Ffigcaption>\u003C\u002Ffigure>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\" target=\"_blank\" rel=\"noreferrer noopener\">See what analysts think about Affirm stock right now (Free with TIKR) >>>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">The range depends on credit and merchant wins. \u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">In the low case, consumer credit weakens, or big merchant launches take longer than expected.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">In the high case, Affirm signs more large retailers and grows its card use. The first bank launches of Affirm Edge also help.\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-how-much-upside-does-affirm-stock-have-from-here\" class=\"wp-block-heading\">How Much Upside Does Affirm Stock Have From Here?\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">With TIKR’s \u003Cstrong>new Valuation Model tool\u003C\u002Fstrong>, you can estimate a stock’s potential share price in under a minute.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">All it takes is three simple inputs:\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>Revenue Growth\u003C\u002Fli>\n\n\n\n\u003Cli>Operating Margins\u003C\u002Fli>\n\n\n\n\u003Cli>Exit P\u002FE Multiple\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">If you’re not sure what to enter, TIKR automatically fills in each input using analysts’ consensus estimates, giving you a quick, reliable starting point.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">From there, TIKR calculates the potential share price and total returns under \u003Cstrong>Bull, Base, and Bear scenarios\u003C\u002Fstrong> so you can quickly see whether a stock looks undervalued or overvalued.\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Cstrong>\u003Cem>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">\u003Cstrong>\u003Cem>See a stock’s true value in under 60 seconds (Free with TIKR) >>>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fa>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\n\n\n\n\u003Ch2 id=\"h-looking-for-new-opportunities\" class=\"wp-block-heading\">\u003Cstrong>Looking for New Opportunities?\u003C\u002Fstrong>\u003C\u002Fh2>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>See what stocks\u003Cstrong> \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">\u003Cstrong>billionaire investors are buying\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> \u003C\u002Fstrong>so you can follow the smart money.\u003C\u002Fli>\n\n\n\n\u003Cli>\u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">\u003Cstrong>Analyze stocks in as little as 5 minutes\u003C\u002Fstrong>\u003C\u002Fa> with TIKR’s all-in-one, easy-to-use platform.\u003C\u002Fli>\n\n\n\n\u003Cli>The more rocks you overturn… the more opportunities you’ll uncover. \u003Ca href=\"https:\u002F\u002Fapp.tikr.com\u002Fregister?ref=tikrblog\">\u003Cstrong>Search 100K+ global stocks, global top investor holdings, and more with TIKR.\u003C\u002Fstrong>\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Ch2 id=\"h-disclaimer\" class=\"wp-block-heading\">Disclaimer:\u003C\u002Fh2>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003Cem>Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!\u003C\u002Fem>\u003C\u002Fp>\n\n\n\n\u003Cp class=\"wp-block-paragraph\">\u003C\u002Fp>\n",1112,"en","\u002Fblog\u002Faffirm-afrm-stock-valuation-2026","affirm-afrm-stock-valuation-2026","images\u002FAFRM-stock-@Marcus-Millo-from-Getty-Images-via-Canva-@Proxima-Studio-via-Canva\u002FAFRM-stock-@Marcus-Millo-from-Getty-Images-via-Canva-@Proxima-Studio-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793017247\u002Fimages\u002FAFRM-stock-@Marcus-Millo-from-Getty-Images-via-Canva-@Proxima-Studio-via-Canva\u002FAFRM-stock-@Marcus-Millo-from-Getty-Images-via-Canva-@Proxima-Studio-via-Canva.png?_i=AA",{"altText":225,"imageCredit":237},"",{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":242},"Aditya Raghunath","adityatikr","author",[],{"name":244,"slug":245,"role":246,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":247},"Thomas Richmond","thomastikr","editor",[],[249],{"name":250,"slug":251,"uri":252,"description":237,"postsCount":253},"Valuation","valuation","\u002Fblog\u002Fcategory\u002Fvaluation",0,[],{"title":225,"metaDesc":256,"opengraphDescription":256,"twitterTitle":225,"twitterDescription":256},"Affirm stock is down 8% in a year. See what TIKR’s Valuation Model says about AFRM’s upside, with a $97 price target by June 2029.",{"title":225,"description":256,"twitterTitle":225,"twitterDescription":256,"author":239,"articlePublisher":258,"articlePublishedTime":226,"articleModifiedTime":227,"twitterLabel1":259,"twitterData1":260,"ogTitle":225,"ogDescription":256,"ogUrl":232,"ogImage":235,"ogImageWidth":261,"ogImageHeight":262,"ogImageSecureUrl":235,"ogImageAlt":225,"twitterImage":235},"TIKR.com","Est. reading time","7 minutes",1200,630,[264,279,294,308,323],{"id":253,"title":265,"date":266,"excerpt":267,"wordCount":268,"uri":269,"slug":270,"cloudinaryAssetId":271,"featuredImageOriginalUrl":272,"featuredImageMetadata":273,"author":274,"categories":276,"relatedPosts":278},"Up 13% In Last 12 Months, Can Arista Networks Stock Give Better Returns in 2026?","2026-10-26 12:57:00","Arista stock is up 10% in a year. See what TIKR’s Valuation Model says about ANET’s upside, with a $275 price target by December 2028.",1099,"\u002Fblog\u002Farista-networks-stock-valuation-anet-2026","arista-networks-stock-valuation-anet-2026","images\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793010558\u002Fimages\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva\u002FANET-stock-@Jirsak-from-Getty-Images-Pro-via-Canva-@Africa-images-via-Canva.png?_i=AA",{"altText":265},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":275},[],[277],{"name":250,"slug":251,"uri":252,"description":237,"postsCount":253},[],{"id":253,"title":280,"date":281,"excerpt":282,"wordCount":283,"uri":284,"slug":285,"cloudinaryAssetId":286,"featuredImageOriginalUrl":287,"featuredImageMetadata":288,"author":289,"categories":291,"relatedPosts":293},"Down 48% In Last 12 Months, Can SoFi Stock Give Better Results in 2026?","2026-10-26 12:45:00","SoFi stock is down 51% in a year. See what TIKR’s Valuation Model says about SOFI’s upside, with a $22 price target by December 2028.",1081,"\u002Fblog\u002Fsofi-stock-valuation-sofi-2026","sofi-stock-valuation-sofi-2026","images\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793015325\u002Fimages\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva\u002FSOFI-stock-@AKKI-from-AKKI-JOHN-via-Canva-@MCCAIG-from-Getty-Images-Signature-via-Canva.png?_i=AA",{"altText":280},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":290},[],[292],{"name":250,"slug":251,"uri":252,"description":237,"postsCount":253},[],{"id":253,"title":295,"date":281,"excerpt":296,"wordCount":297,"uri":298,"slug":299,"cloudinaryAssetId":300,"featuredImageOriginalUrl":301,"featuredImageMetadata":302,"author":303,"categories":305,"relatedPosts":307},"Up Just 9% in the Last 12 Months, Can Palantir Stock Give Better Returns in 2026?","Palantir stock is up just 4% in a year. See what TIKR’s Valuation Model says about PLTR’s upside, with a $529 target by December 2028.",1024,"\u002Fblog\u002Fpalantir-stock-valuation-pltr-2026","palantir-stock-valuation-pltr-2026","images\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793003212\u002Fimages\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c\u002FPLTR-stock-@surachet_shotivaranon-from-surachetshs-Images-via-Canva-@SORAPOP-UDOMSRI-from-Sorapop-Udomsri-via-Canva_1454044a26c.png?_i=AA",{"altText":295},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":304},[],[306],{"name":250,"slug":251,"uri":252,"description":237,"postsCount":253},[],{"id":253,"title":309,"date":310,"excerpt":311,"wordCount":312,"uri":313,"slug":314,"cloudinaryAssetId":315,"featuredImageOriginalUrl":316,"featuredImageMetadata":317,"author":318,"categories":320,"relatedPosts":322},"Down 56% In Last 12 Months, Can AppLovin Stock Give Better Returns in 2026?","2026-10-26 12:33:00","AppLovin stock is down 60% in a year. See what TIKR’s Valuation Model says about APP’s upside, with a $366 price target by December 2028.",1139,"\u002Fblog\u002Fapplovin-stock-valuation-app-2026","applovin-stock-valuation-app-2026","images\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793013215\u002Fimages\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2\u002FAPP-stock-@juststock-from-Getty-Images-via-Canva-@maxkabakov-from-Getty-Images-via-Canva_14548356cd2.png?_i=AA",{"altText":309},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":319},[],[321],{"name":250,"slug":251,"uri":252,"description":237,"postsCount":253},[],{"id":253,"title":324,"date":325,"excerpt":326,"wordCount":327,"uri":328,"slug":329,"cloudinaryAssetId":330,"featuredImageOriginalUrl":331,"featuredImageMetadata":332,"author":333,"categories":335,"relatedPosts":337},"Mastercard Stock Is Flat Over The Past Year, Does MA Have Room To Run By 2028?","2026-09-29 12:50:00","Mastercard stock has traded flat despite strong growth and new AI payment initiatives. See what TIKR's model projects for MA through 2028-2030.",1076,"\u002Fblog\u002Fmastercard-ma-stock-valuation-2026","mastercard-ma-stock-valuation-2026","images\u002FMA-stock-@Alexmak7-via-Canva-@pixelshot-via-Canva-1_1345771e5c2\u002FMA-stock-@Alexmak7-via-Canva-@pixelshot-via-Canva-1_1345771e5c2","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1790693569\u002Fimages\u002FMA-stock-@Alexmak7-via-Canva-@pixelshot-via-Canva-1_1345771e5c2\u002FMA-stock-@Alexmak7-via-Canva-@pixelshot-via-Canva-1_1345771e5c2.png?_i=AA",{"altText":324},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":334},[],[336],{"name":250,"slug":251,"uri":252,"description":237,"postsCount":253},[],[339,357,372,387,402,419,437,454,474,489,504,519],{"id":253,"title":340,"date":341,"excerpt":342,"wordCount":343,"uri":344,"slug":345,"cloudinaryAssetId":346,"featuredImageOriginalUrl":347,"featuredImageMetadata":348,"author":349,"categories":351,"relatedPosts":356},"Microsoft Offers Buyouts To 60,000 Employees To Manage AI Infrastructure Costs","2026-10-27 12:55:00","Microsoft is offering buyouts to about 60,000 eligible employees as AI spending climbs. See what it means for Microsoft stock.",610,"\u002Fblog\u002Fmicrosoft-voluntary-exit-offer-60000-employees-ai-costs","microsoft-voluntary-exit-offer-60000-employees-ai-costs","images\u002FMSFT-stock-@Natee-Meepians-Images-via-Canva-@200degrees-via-Canva-5\u002FMSFT-stock-@Natee-Meepians-Images-via-Canva-@200degrees-via-Canva-5","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793097876\u002Fimages\u002FMSFT-stock-@Natee-Meepians-Images-via-Canva-@200degrees-via-Canva-5\u002FMSFT-stock-@Natee-Meepians-Images-via-Canva-@200degrees-via-Canva-5.png?_i=AA",{"altText":340},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":350},[],[352],{"name":353,"slug":354,"uri":355,"description":237,"postsCount":253},"General Investing","general-investing","\u002Fblog\u002Fcategory\u002Fgeneral-investing",[],{"id":253,"title":358,"date":359,"excerpt":360,"wordCount":361,"uri":362,"slug":363,"cloudinaryAssetId":364,"featuredImageOriginalUrl":365,"featuredImageMetadata":366,"author":367,"categories":369,"relatedPosts":371},"Apple Addresses Foldable Screen Display Defects In Newly Launched iPhone Duo","2026-10-27 12:44:00","Apple says some iPhone Duo screens have defects and will replace them. See what the issue means for Apple stock and the foldable launch.",612,"\u002Fblog\u002Fapple-iphone-duo-display-defects-replacement","apple-iphone-duo-display-defects-replacement","images\u002FAAPL-stock-@pixelshot-via-Canva-@Africa-images-via-Canva-Copy-8\u002FAAPL-stock-@pixelshot-via-Canva-@Africa-images-via-Canva-Copy-8","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793093264\u002Fimages\u002FAAPL-stock-@pixelshot-via-Canva-@Africa-images-via-Canva-Copy-8\u002FAAPL-stock-@pixelshot-via-Canva-@Africa-images-via-Canva-Copy-8.png?_i=AA",{"altText":358},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":368},[],[370],{"name":353,"slug":354,"uri":355,"description":237,"postsCount":253},[],{"id":253,"title":373,"date":374,"excerpt":375,"wordCount":376,"uri":377,"slug":378,"cloudinaryAssetId":379,"featuredImageOriginalUrl":380,"featuredImageMetadata":381,"author":382,"categories":384,"relatedPosts":386},"Meta Stock Falls Following Launch Of $35 Billion Stock Offering","2026-10-27 12:21:00","Meta launched a $35 billion stock offering as part of a plan to raise up to $95 billion. See what it means for Meta stock and AI spending.",617,"\u002Fblog\u002Fmeta-stock-35-billion-offering-ai-spending","meta-stock-35-billion-offering-ai-spending","images\u002FMETA-stock-@Omar_Nasif-from-pixabay-via-Canva-@Diego-Maravilla-©-2022-from-Diego-Maravilla-via-Canva-Copy-12\u002FMETA-stock-@Omar_Nasif-from-pixabay-via-Canva-@Diego-Maravilla-©-2022-from-Diego-Maravilla-via-Canva-Copy-12","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793092142\u002Fimages\u002FMETA-stock-@Omar_Nasif-from-pixabay-via-Canva-@Diego-Maravilla-©-2022-from-Diego-Maravilla-via-Canva-Copy-12\u002FMETA-stock-@Omar_Nasif-from-pixabay-via-Canva-@Diego-Maravilla-©-2022-from-Diego-Maravilla-via-Canva-Copy-12.png?_i=AA",{"altText":373},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":383},[],[385],{"name":353,"slug":354,"uri":355,"description":237,"postsCount":253},[],{"id":253,"title":388,"date":389,"excerpt":390,"wordCount":391,"uri":392,"slug":393,"cloudinaryAssetId":394,"featuredImageOriginalUrl":395,"featuredImageMetadata":396,"author":397,"categories":399,"relatedPosts":401},"Barclays Upgrades Tesla Stock Citing SpaceX Merger Potential And Robotaxi Growth","2026-10-27 12:16:00","Barclays upgraded Tesla to Overweight with a $450 target. See what’s behind the move and what it means for Tesla stock.",633,"\u002Fblog\u002Fbarclays-upgrades-tesla-spacex-merger-robotaxi-growth","barclays-upgrades-tesla-spacex-merger-robotaxi-growth","images\u002FTSLA-stock-@inkdrop-via-Canva-@Matt-Weissinger-from-Pexels-via-Canva-11\u002FTSLA-stock-@inkdrop-via-Canva-@Matt-Weissinger-from-Pexels-via-Canva-11","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793088391\u002Fimages\u002FTSLA-stock-@inkdrop-via-Canva-@Matt-Weissinger-from-Pexels-via-Canva-11\u002FTSLA-stock-@inkdrop-via-Canva-@Matt-Weissinger-from-Pexels-via-Canva-11.png?_i=AA",{"altText":388},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":398},[],[400],{"name":353,"slug":354,"uri":355,"description":237,"postsCount":253},[],{"id":253,"title":403,"date":404,"excerpt":405,"wordCount":406,"uri":407,"slug":408,"cloudinaryAssetId":409,"featuredImageOriginalUrl":410,"featuredImageMetadata":411,"author":412,"categories":416,"relatedPosts":418},"Qualcomm Just Dropped 13% in a Month. Is It Time to Sell, or Load Up?","2026-10-27 11:23:38","Most of this one's on the chip selloff. Nov. 4 is what counts.",755,"\u002Fblog\u002Fqualcomm-just-dropped-13-in-a-month-is-it-time-to-sell-or-load-up","qualcomm-just-dropped-13-in-a-month-is-it-time-to-sell-or-load-up","images\u002F@Tim-Girard-from-Tim-Girards-Images-via-Canva-@Soulful-Pizza-from-Pexels-via-Canva\u002F@Tim-Girard-from-Tim-Girards-Images-via-Canva-@Soulful-Pizza-from-Pexels-via-Canva","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793100030\u002Fimages\u002F@Tim-Girard-from-Tim-Girards-Images-via-Canva-@Soulful-Pizza-from-Pexels-via-Canva\u002F@Tim-Girard-from-Tim-Girards-Images-via-Canva-@Soulful-Pizza-from-Pexels-via-Canva.png?_i=AA",{"altText":403},{"name":413,"slug":414,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":415},"Nikko Henson","nikkotikr",[],[417],{"name":353,"slug":354,"uri":355,"description":237,"postsCount":253},[],{"id":253,"title":420,"date":421,"excerpt":422,"wordCount":423,"uri":424,"slug":425,"cloudinaryAssetId":426,"featuredImageOriginalUrl":427,"featuredImageMetadata":428,"author":429,"categories":431,"relatedPosts":436},"Verizon Stock Falls Despite Strong Earnings Beat And Raised Guidance","2026-10-27 12:28:00","Verizon beat subscriber estimates, raised guidance and signed a $2B AWS deal, but shares fell. See what it means for Verizon stock.",599,"\u002Fblog\u002Fverizon-stock-earnings-beat-raised-guidance-aws-deal","verizon-stock-earnings-beat-raised-guidance-aws-deal","images\u002FVZ-stock-@anyaberkut-from-Getty-Images-via-Canva-@metamorworks-from-Getty-Images-via-Canva-1\u002FVZ-stock-@anyaberkut-from-Getty-Images-via-Canva-@metamorworks-from-Getty-Images-via-Canva-1","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793096188\u002Fimages\u002FVZ-stock-@anyaberkut-from-Getty-Images-via-Canva-@metamorworks-from-Getty-Images-via-Canva-1\u002FVZ-stock-@anyaberkut-from-Getty-Images-via-Canva-@metamorworks-from-Getty-Images-via-Canva-1.png?_i=AA",{"altText":420},{"name":239,"slug":240,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":430},[],[432],{"name":433,"slug":434,"uri":435,"description":237,"postsCount":253},"Earnings Updates","earnings-updates","\u002Fblog\u002Fcategory\u002Fearnings-updates",[],{"id":253,"title":438,"date":439,"excerpt":440,"wordCount":441,"uri":442,"slug":443,"cloudinaryAssetId":-1,"featuredImageOriginalUrl":444,"featuredImageMetadata":445,"author":446,"categories":450,"relatedPosts":453},"Novartis Already Paid for Its $1.9 Billion Write-Down. The Raise Is the New Part","2026-10-27 09:08:39","Novartis wrote off 26% of del-desiran but kept $5.5 billion of it on the books, and raised profit guidance while free cash flow fell 18%. Here’s the math.\n",763,"\u002Fblog\u002Fnovartis-already-paid-for-its-1-9-billion-write-down-the-raise-is-the-new-part","novartis-already-paid-for-its-1-9-billion-write-down-the-raise-is-the-new-part","https:\u002F\u002Ftikr1.wpengine.com\u002Fwp-content\u002Fuploads\u002F2026\u002F10\u002FFEATURED-IMAGE-MAKER-1904-600x400.png",{"altText":438},{"name":447,"slug":448,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":449},"Gian Estrada","giantikr",[],[451],{"name":76,"slug":75,"uri":452,"description":237,"postsCount":253},"\u002Fblog\u002Fcategory\u002Ffundamental-analysis",[],{"id":253,"title":455,"date":456,"excerpt":457,"wordCount":458,"uri":459,"slug":460,"cloudinaryAssetId":461,"featuredImageOriginalUrl":462,"featuredImageMetadata":463,"author":464,"categories":468,"relatedPosts":473},"CleanSpark Stock Fell 39% in October. Its Landlord Bet Now Rides on Meta’s Credit","2026-10-26 21:10:00","CleanSpark won a Buy rating on October 22 that cited its Meta-backed lease, the same day the cost of insuring Meta’s debt hit a record. Shares fell, though less than peers. A signed Texas lease is the test.",882,"\u002Fblog\u002Fcleanspark-stock-fell-39-in-october-its-landlord-bet-now-rides-on-metas-credit","cleanspark-stock-fell-39-in-october-its-landlord-bet-now-rides-on-metas-credit","images\u002F9-16_1460328ff08\u002F9-16_1460328ff08","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793046765\u002Fimages\u002F9-16_1460328ff08\u002F9-16_1460328ff08.png?_i=AA",{"altText":455},{"name":465,"slug":466,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":467},"Wiltone Asuncion","wiltonetikr",[],[469],{"name":470,"slug":471,"uri":472,"description":237,"postsCount":253},"Stock Reviews","reviews","\u002Fblog\u002Fcategory\u002Freviews",[],{"id":253,"title":475,"date":476,"excerpt":477,"wordCount":478,"uri":479,"slug":480,"cloudinaryAssetId":481,"featuredImageOriginalUrl":482,"featuredImageMetadata":483,"author":484,"categories":486,"relatedPosts":488},"Block Stock Is Cheaper Than at the End of 2025 Despite Higher Profit Forecasts. Here’s Where It Could Go by 2030","2026-10-26 21:05:00","Wall Street's next-12-month earnings estimate for Block rose 51% this year, while the stock rose 17%. BMO says the multiple is stuck. Block's CFO has said when Neighborhoods should start showing up in Cash App users, and the first report in that window is due November 3.",947,"\u002Fblog\u002Fblock-stock-is-cheaper-than-at-the-end-of-2025-despite-higher-profit-forecasts-heres-where-it-could-go-by-2030","block-stock-is-cheaper-than-at-the-end-of-2025-despite-higher-profit-forecasts-heres-where-it-could-go-by-2030","images\u002F8-15_14603149a44\u002F8-15_14603149a44","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793046753\u002Fimages\u002F8-15_14603149a44\u002F8-15_14603149a44.png?_i=AA",{"altText":475},{"name":465,"slug":466,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":485},[],[487],{"name":470,"slug":471,"uri":472,"description":237,"postsCount":253},[],{"id":253,"title":490,"date":491,"excerpt":492,"wordCount":493,"uri":494,"slug":495,"cloudinaryAssetId":496,"featuredImageOriginalUrl":497,"featuredImageMetadata":498,"author":499,"categories":501,"relatedPosts":503},"Disney Stock Rose 10 Sessions in a Row While Bidding $20 Million for Character.AI’s Technology. Here’s Where It Could Go by 2030","2026-10-26 21:00:00","Disney climbed 11% in three weeks, including 10 straight gains, while lining up most of bankrupt Character.AI’s engineers. Thirty-one states and DC now object to the sale rules. Nearly all of October’s gain came from a higher multiple, so the November 17 report has to supply the earnings.",926,"\u002Fblog\u002Fdisney-stock-rose-10-sessions-in-a-row-while-bidding-20-million-for-character-ais-technology-heres-where-it-could-go-by-2030","disney-stock-rose-10-sessions-in-a-row-while-bidding-20-million-for-character-ais-technology-heres-where-it-could-go-by-2030","images\u002F7-16_1460307b672\u002F7-16_1460307b672","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793046759\u002Fimages\u002F7-16_1460307b672\u002F7-16_1460307b672.png?_i=AA",{"altText":490},{"name":465,"slug":466,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":500},[],[502],{"name":470,"slug":471,"uri":472,"description":237,"postsCount":253},[],{"id":253,"title":505,"date":506,"excerpt":507,"wordCount":508,"uri":509,"slug":510,"cloudinaryAssetId":511,"featuredImageOriginalUrl":512,"featuredImageMetadata":513,"author":514,"categories":516,"relatedPosts":518},"Pfizer Rose Nearly 21% in 2026 as Its Forward P\u002FE Climbed From About 9 to 11 Times. Here’s What November 3 Has to Show","2026-10-26 20:55:00","Pfizer climbed above Wall Street’s mean price target in October even as its forward EPS estimate fell. The third-quarter report on November 3 is the first test of whether that higher multiple holds.",862,"\u002Fblog\u002Fpfizer-rose-nearly-21-in-2026-as-its-forward-p-e-climbed-from-about-9-to-11-times-heres-what-november-3-has-to-show","pfizer-rose-nearly-21-in-2026-as-its-forward-p-e-climbed-from-about-9-to-11-times-heres-what-november-3-has-to-show","images\u002F6-15_1460299f0d2\u002F6-15_1460299f0d2","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793046762\u002Fimages\u002F6-15_1460299f0d2\u002F6-15_1460299f0d2.png?_i=AA",{"altText":505},{"name":465,"slug":466,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":515},[],[517],{"name":470,"slug":471,"uri":472,"description":237,"postsCount":253},[],{"id":253,"title":520,"date":521,"excerpt":522,"wordCount":523,"uri":524,"slug":525,"cloudinaryAssetId":526,"featuredImageOriginalUrl":527,"featuredImageMetadata":528,"author":529,"categories":531,"relatedPosts":533},"Pinterest Has Fallen After 4 of Its Last 5 Earnings Reports. Here’s What October 29 Needs to Show","2026-10-26 20:53:00","Pinterest has dropped the session after four of its last five earnings reports, even though it beat revenue estimates in four of those quarters. Its next-quarter outlook has tracked the stock more closely, and its CEO tied the new CFO search to selling ads beyond Pinterest’s own app.",872,"\u002Fblog\u002Fpinterest-has-fallen-after-4-of-its-last-5-earnings-reports-heres-what-october-29-needs-to-show","pinterest-has-fallen-after-4-of-its-last-5-earnings-reports-heres-what-october-29-needs-to-show","images\u002F5-16_1460283708d\u002F5-16_1460283708d","https:\u002F\u002Fres.cloudinary.com\u002Ftikr\u002Fimages\u002Fw_600,h_400,c_scale\u002Ff_webp,q_auto\u002Fv1793046769\u002Fimages\u002F5-16_1460283708d\u002F5-16_1460283708d.png?_i=AA",{"altText":520},{"name":465,"slug":466,"role":241,"roleTitle":237,"biography":237,"avatar":237,"socialMediaLinks":530},[],[532],{"name":470,"slug":471,"uri":472,"description":237,"postsCount":253},[]]