AFRM
AFRM
US · Stock · NYSE/NASDAQ
$70.23
Pre-Market · NYSE/NASDAQ
AIQ Score (0-100)
34
/100
BEARISH
Smart Score (1-10)
2 /10
Momentum25
Value37
Quality39
Risk30

SignalIQ Stock Brief

Published · as of 2026-07-24

The most pronounced shift is the momentum score, which has declined by 32.0 points over seven days. While the quality score remains high at 39.0 and value stands robustly at 37.0, the combination of elevated timing (66.0) with low momentum (25.0) suggests that current market positioning is disconnected from recent price action. The risk rating is classified as VERY HIGH, which aligns with the overall score's moderate level of 34 and the high beta reading of 2.6. This combination implies significant volatility potential despite strong underlying value metrics. Furthermore, the alpha signal at -9.65 suggests that returns have lagged relative to expected market movements. The risk/momentum interplay is notable: the elevated timing score signals an opportune moment for structural shifts, but the low momentum indicates that this opportunity has not yet been reflected in recent price movement. This divergence warrants caution regarding immediate directional bets. We will monitor if the momentum score stabilizes or reverses its downward trend; specifically, a reversal above 28.0 within the next five trading days would signal renewed short-term buying pressure.

Summary ▸

The timing score stands at 66.0, indicating a highly elevated signal that may precede structural changes in the stock's trajectory. This suggests significant market positioning relative to its underlying fundamentals and technical profile.

Current market regime: Defensive

In a Defensive regime, AFRM's AIQ Score of 34/100 with Quality base of 39/100 and fading Momentum at 25/100 (Δ-32) suggests caution. Reduce position size or hold. Confirm reversal before re-entering.

Why AFRM scores 34 — top signal drivers
Golden Cross Active
high-impact trend signal at 10.90% supporting upside conditions: Golden Cross Active.
bullish+76.00%
ATR Expansion - Breakout Mode
medium-impact volatility signal at 5.18% worth monitoring: ATR Expansion - Breakout Mode.
neutral+68.00%
BB Lower Band Breach
medium-impact volatility signal at 70.23 supporting upside conditions: BB Lower Band Breach.
bullish+68.00%
Keltner Channel Breakdown
medium-impact volatility signal at 70.23 warning of downside pressure: Keltner Channel Breakdown.
caution+68.00%
RSI Oversold - Potential Bounce
medium-impact momentum signal at 19.6 supporting upside conditions: RSI Oversold - Potential Bounce.
bullish+68.00%
Technology·sector move·Market context unavailable.

Quick Stats

Market Cap
P/E Ratio
P/B Ratio
Dividend Yield
Beta
Volume
52W High
52W Low
Evidence Receipts + Persistence
AIQ score today
34/100
Defensive
30-day Avg AIQ
44/100
+10 vs today — trending down
Days with AIQ ≥ 60 (last 60)
0 of 60 trading days
Strongest driver
Quality 39/100 — weak
Binding constraint
Momentum 25/100 — weak
7-day momentum Δ
-32 pts — fading
AIQ Score Change Narrative

AFRM's 7-day signal profile is softening with AIQ change of -7.0 points and momentum delta of -32.0. Trend delta is -7.00, which helps frame whether the current move is accelerating or fading.

Snapshot: Sun, 26 Jul 2026 00:00:00 GMT. Baseline: 2026-07-17.

AIQ Δ7d: -7.0Momentum Δ7d: -32.0Value Δ7d: 0.0Quality Δ7d: 0.0Risk Δ7d: +4.0Trend Δ7d: -7.00
Weekly Score Historymethodology →
DateAIQMomValQualResilience
2026-07-253425373930
2026-07-184157373926
2026-07-114678373927
2026-07-044782373926
2026-06-274781373926
Recent News
See all news
Sentiment —
No recent news found for AFRM

AFRM (AFRM) Stock Analysis

Snapshot summary of AIQ score, trend, and risk context.

AFRM (AFRM) has an AIQ Score of 34/100 in a Defensive regime as of Jul 25, 2026. Quality is strongest at 39/100. Momentum is weakest at 25/100. The main conflict is that quality leads at 39/100 while momentum lags at 25/100.

AFRM (AFRM) carries an AIQ Score of 34 out of 100, placing it in a bearish signal regime for this snapshot. A mid-range reading typically means component signals are not fully aligned, so interpretation should focus on what is improving versus what is lagging.

Beta is 3.73, implying roughly 273% higher sensitivity than a broad market baseline.

In the latest weekly profile, AIQ has moved -7.0 points over the last 7 days, momentum delta is -32.0, trend delta is -7.00, risk delta is +4.0. This combination is most useful for judging whether signal quality is strengthening or fading into mean reversion.

Evidence LayerPublic Evidence
Regime ContextAFRM is in a Defensive AIQ regime with score 34/100.
Signal ConflictThe primary conflict is that quality leads at 39/100 while momentum lags at 25/100.
Factor EvidenceMomentum 25/100 · Value 37/100 · Quality 39/100 · Risk 30/100
PersistenceAFRM has scored AIQ 60+ in 0 of the last 60 daily snapshots. 30-day avg: 44/100. 60-day avg: 42/100.
ChecklistStatusEvidence
Factor strengthFailQuality is the strongest factor at 39/100.
TimingFailMomentum is 25/100 with 7-day delta -32.0.
Regime fitFailAFRM is in a Defensive regime at 34/100.
Risk controlPassRisk factor is 30/100 with beta of 3.73 indicates above-market sensitivity.
ConflictPassCurrent conflict: quality leads at 39/100 while momentum lags at 25/100.
AIQ 60+ snapshots: 0/60
30-snapshot avg: 44/100
60-snapshot avg: 42/100
What Changed Recently (AFRM)

AFRM's 7-day signal profile is softening with AIQ change of -7.0 points and momentum delta of -32.0. Trend delta is -7.00, which helps frame whether the current move is accelerating or fading.

Signal snapshot as of Sun, 26 Jul 2026 00:00:00 GMT. 7-day comparison baseline: 2026-07-17.

AIQ Δ7d: -7.0
Momentum Δ7d: -32.0
Value Δ7d: 0.0
Quality Δ7d: 0.0
Risk Δ7d: +4.0
Trend Δ7d: -7.00
MetricCurrent
AIQ Score34/100
Price$70.23
Beta3.73

AFRM vs Fintech & Payments Peers

AFRM ranks 5 of 5 in this peer set. Full sector ranking →
Compare Stocks
SymbolAIQSmartVerdict
DAVE6910Neutral
CPAY629Neutral
ENVA504Neutral
FLYW444Neutral
AFRM342Bearish

Portfolio Implication

AFRM currently shows elevated downside sensitivity. Beta is currently unavailable, so position sizing should be reviewed with scenario analysis.

AFRM Stock FAQ

What does the AFRM AIQ Score mean?

AIQ Score summarizes multiple factors for AFRM, including momentum, value, quality, and risk. Higher scores generally indicate stronger combined signals, but you should still validate with your own risk tolerance.

How often is AFRM data updated?

AFRM quote and scoring components refresh on the platform cadence. Always confirm timestamp freshness on-page before making time-sensitive decisions.

Should I compare AFRM with an index before investing?

Yes. Comparing AFRM versus benchmarks like SPY or QQQ helps you separate stock-specific strength from broader market moves.

Where can I review deeper AFRM fundamentals, technicals, and risk?

Use the Fundamentals, Technicals, and Risk tabs from this page to inspect driver-level metrics behind the headline score.

How the AIQ Score Is Built

Methodology, factor weights, and how to interpret score history

Read the methodology →

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