Citigroup Rates Affirm (AFRM) buy, $115 Price Target

Citigroup has reiterated its buy rating on Affirm Holdings, setting a price target of $115, a 35.05% upside from the current price.

By EarningsIQ Research Desk · Published Jul 1, 2026, 11:01 AM EDT · Updated Jul 1, 2026, 3:01 PM EDT

Reviewed by automated data checks against the source data. How we make and check alerts

Citigroup rated Affirm Holdings, Inc. ($AFRM) "buy" with a $115 price target on July 1, 2026.

Since the rating, $AFRM is down 3.1% after 1 week, down 14.7% after 1 month and down 11.7% to date (from the $83.85 close on Jul 1, 2026).

AFRM Affirm Holdings, Inc.

$74.01 -0.03% year to date

Daily close · Oct 16, 2026

Key Points

Citigroup maintains a buy rating on Affirm Holdings, Inc. with a price target of $115, up from a prior close of $70.51.
Citigroup's $115 price target implies 35.05% upside from Affirm Holdings, Inc.'s ($AFRM) current $85.16 share price.
The stock was trading at $85.16 on July 1, 2026, following Citigroup's announcement.
Affirm's next earnings report is expected on November 5, 2026.

Get $AFRM trade alerts by text

We text you when insiders, Congress or big funds trade $AFRM. Free.

Not investment advice. EarningsIQ is not a registered investment adviser, and this automated Affirm Holdings, Inc. alert may contain errors. Disclosures

Citigroup's Buy Rating on Affirm

On July 1, 2026, Citigroup reiterated its buy rating on Affirm Holdings, Inc. (AFRM) with a price target of $115. The stock was trading at $85.16 on the same day, significantly higher than its previous close of $70.51.

Analyst rating track record

Citigroup vs. the S&P 500

YTD return -0.52% hypothetical

All-time return +34.72% S&P 500 +31.54%

vs. S&P 500 +3.18% ahead of the index

Hypothetical returns from Citigroup's disclosed trades, not real profit or advice. How we model this.

Analysts Set New Price Targets

This latest rating from Citigroup comes as part of a broader trend among analysts. Goldman Sachs maintains a Buy rating with a target of $103.0, while TD Cowen also holds a Buy rating with a target of $110.0. Other firms like Freedom Capital Markets and Truist Securities have also reiterated their Buy ratings, indicating a generally positive outlook for the stock.

How Affirm Holdings, Inc. Stock Has Traded

Affirm's shares have seen considerable movement, trading currently around $85.16, which is near its 52-week high of $90.44. The stock has gained traction as it continues to provide payment solutions and financing options, especially in the growing e-commerce sector.

12-month forecast

$AFRM price target

Affirm Holdings, Inc. daily closes and this analyst's $115 target. Not advice.

What Affirm Holdings, Inc. Does

Affirm Holdings, Inc. operates a payment network that allows consumers to pay over time for purchases. The company serves a wide range of merchants across various industries, including electronics, fashion, and travel. This diverse merchant base is crucial for its growth as e-commerce continues to expand.

What’s Next for Affirm

Looking ahead, investors will be watching for Affirm's next earnings report scheduled for November 5, 2026. The company's recent performance and analyst ratings suggest a positive outlook, but market conditions can change rapidly. Remember, Citigroup's rating reflects past performance and may not represent future positions.