Affirm Holdings, Inc. Class A Common Stock AFRM

Affirm Holdings, Inc., proporciona una plataforma para el comercio digital y móvil. A través de su red de pagos impulsada por tecnología y su asociación con un banco originador, permite a los consumidores pagar por una compra a lo largo del tiempo. A través de su plataforma, el consumidor selecciona su opción de pago, los préstamos son financiados y emitidos por su socio banco originador. Su plataforma incluye tres elementos: una solución de pago en el punto de venta, soluciones de comercio para comerciantes y una aplicación centrada en el consumidor. Su solución de punto de venta permite a los consumidores pagar por compras en cuotas fijas. Les permite a los consumidores pagar a lo largo del tiempo. Su plataforma permite opciones de pago APR y préstamos con intereses. Sus soluciones de comercio para comerciantes permiten a los comerciantes resolver problemas para sus clientes. Su aplicación centrada en el consumidor permite a los consumidores utilizar la aplicación para gestionar pagos, abrir una cuenta de ahorros y acceder a un mercado personalizado. Proporciona una experiencia de devolución digital y pagos post-compra para marcas directas al consumidor.

• Zacks Investment Research 1 oct

  Affirm Holdings (AFRM) Outperforms Broader Market: What You Need to Know

  Affirm Holdings closed at $70.44, up 1.75%, outperforming the S&P 500's 0.2% gain. The company is expected to report EPS of $0.34 (up 47.83% YoY) and revenue of $1.21 billion (up 29.95% YoY). However, full-year earnings are projected to decline 66.18% to $1.87 per share. AFRM trades at a Forward P/E of 36.95, significantly above its industry average of 19.07, and holds a Zacks Rank of #3 (Hold).

  

• Zacks Investment Research 1 oct

  How Is Affirm Card Reshaping AFRM's Direct-to-Consumer Growth?

  Affirm Holdings' direct-to-consumer business is accelerating with Affirm Card GMV more than doubling to $2.84 billion and active Card consumers rising 125% to 5.2 million. Card transactions now represent 15% of total transactions, up from 10% year-over-year, indicating deeper platform engagement. With only 19% card penetration among active consumers, Affirm has significant room for expansion through improved in-store experiences and card-specific features.

  

• Zacks Investment Research 30 sept

  Can Affirm's Crate & Barrel Deal Expand Its Home-Furnishing Reach?

  Affirm Holdings has partnered with Crate & Barrel Holdings to offer installment financing across Crate & Barrel, Crate & Barrel Kids, and CB2 brands in the US and Canada. The partnership spans over 100 stores and websites, potentially increasing Affirm's GMV and revenues through higher-value furniture purchases. However, the near-term financial impact remains unclear due to undisclosed transaction volumes.

  

• Zacks Investment Research 30 sept

  Sezzle's On-Demand Push: Can It Win More Enterprise Merchants?

  Sezzle Inc. is leveraging its On-Demand buy now pay later product to compete for enterprise merchants with competitive pricing while building a pathway to subscription conversions. The company reported strong Q2 metrics including 32.4% transaction growth, 97.2% repeat usage, and 982,000 monthly On-Demand & Subscribers. Recent merchant additions include Poshmark, Gymshark, and Debenhams, though long enterprise sales cycles may limit growth pace.

  

• The Motley Fool 19 sept

  Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.

  SoFi obtained a federal bank charter in January 2022, allowing it to take deposits and fund loans internally, which has driven significant growth in deposits ($1.2B to $45.5B) and membership (3.9M to 15.8M members). Upstart received conditional approval for a bank charter in July 2026 with final approval expected in early 2027, while Affirm applied for an industrial loan bank charter in January 2026 but has not yet received approval. Bank charters are transformative for fintechs as they eliminate third-party funding fees and allow them to offer more competitive rates.