Based on Clarity's multi-model valuation engine, Affirm Holdings, Inc. (AFRM) has an estimated fair value of $15.11 per share, compared to its current market price of $43.81. The stock is currently trading 65.5% above Clarity's fair value estimate, resulting in a verdict of SIGNIFICANTLY OVERVALUED.

This valuation blends 5 independent models — including EV/Revenue, Discounted Cash Flow (DCF), Comparable Companies, and 2 more. The primary weight is given to the EV/Revenue model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 5 models show moderate agreement with a 25% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 1.1% probability that the stock is trading below its intrinsic value, with a median simulated value of $12.97.

Clarity's 1-year price target is $18.84, reflecting expected earnings growth and margin trajectory.

Affirm Holdings, Inc. is classified under the Fintech / Payments sector, and this valuation is based on 10-Q · Filed 2026-02-05 filings sourced directly from SEC EDGAR. All models use trailing twelve month financials where available, with sector-appropriate growth and discount rate assumptions.