---
title: "Affirm: Buy Rating Reiterated on BNPL Growth Potential and AI-Driven Underwriting; $90 Price Target Maintained"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/286277713.md"
description: "Goldman Sachs analyst Will Nance has reiterated a Buy rating on Affirm (AFRM) stock, maintaining a $90 price target. He cites Affirm's strong growth potential in the buy-now-pay-later market, supported by AI-driven underwriting and risk management. Nance highlights opportunities for expansion across various channels and a target of $100 billion in GMV. Citi also maintains a Buy rating with a $100 price target. Nance has an average return of -7.5% and a 42.11% success rate on his stock recommendations."
datetime: "2026-05-13T14:16:05.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286277713.md)
  - [en](https://longbridge.com/en/news/286277713.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286277713.md)
---

# Affirm: Buy Rating Reiterated on BNPL Growth Potential and AI-Driven Underwriting; $90 Price Target Maintained

Goldman Sachs analyst Will Nance has maintained their bullish stance on AFRM stock, giving a Buy rating today.

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Will Nance has given his Buy rating due to a combination of factors that underscore Affirm’s long-term growth potential and competitive position. He views the company as a key beneficiary of the ongoing migration toward buy-now-pay-later solutions, supported by its strong structural advantages and attractive unit economics at scale.

Nance highlights Affirm’s advanced, AI-enabled underwriting and vertically integrated risk infrastructure as drivers of consistently better credit outcomes and a resilient growth profile. He also points to significant room for expansion across its merchant base, new verticals, card and wallet partnerships, and international and ISV channels, with management targeting $100 billion in GMV and stable RLTC margins, supporting his unchanged $90 price target.

Nance covers the Technology sector, focusing on stocks such as NCR Voyix, Klarna Group Plc, and Block. According to TipRanks, Nance has an average return of \-7.5% and a 42.11% success rate on recommended stocks.

In another report released today, Citi also maintained a Buy rating on the stock with a $100.00 price target.

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