Key Takeaways Visa runs a massive global network, with cross-border volume up 11% in Q1 FY26.Affirm posted 36.6% GMV growth and 30% revenue rise in Q2 FY26, boosting engagement.AFRM's price target implies 67.8% upside, topping V's 25.4% upside.Digital payments are on the rise around the world as both consumers and businesses are embracing card-based, real-time and embedded finance solutions. In this changing landscape, factors like scale, network reach, credit exposure and monetization models play a bigger ...

Affirm Holdings, Inc. (NASDAQ:AFRM) is among the Most Volatile Stocks. On February 17, 2026, Affirm Holdings, Inc. (NASDAQ:AFRM) announced a deal with Lowe’s. The firm will provide payment plans to Lowe’s customers both online and through the Lowe’s mobile app. Lowe’s will join the Affirm marketplace, boosting access to the company’s shopper network. On February 9, 2026, Mizuho reduced Affirm Holdings, Inc. (NASDAQ:AFRM)’s price target to $95 from $114 while retaining an Outperform rating. The firm cons ...

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades, downgrades and initiations, please see our analyst ratings page.Considering buying SATL stock? Here’s what analysts think: Photo via Shutterstock ...

Core Viewpoint - The current market sentiment indicates a shift towards bearish momentum for the stock, with sellers gaining control as shares trade below critical resistance levels [1][2]. Price Resistance and Support Levels - The $54.32 level has become a significant resistance point, preventing the stock from stabilizing after a decline from January highs near $83, indicating weakening buyer conviction [2]. - The next major resistance is identified near $61, aligned with the declining 20-day moving average, suggesting that any attempts to rise may face challenges until these levels are surpassed [3]. - On the downside, the $50 level is highlighted as a crucial near-term support zone, with a break below this level potentially leading to further declines towards the lower Bollinger Band near $47 [4]. Technical Indicators - The formation of a Death Cross, where the 50-day moving average falls below the 200-day moving average, signals a broader bearish trend, often leading to extended consolidation or deeper corrections rather than quick recoveries [3]. - Momentum indicators, such as the Relative Strength Index (RSI) near 30, suggest the stock is close to oversold conditions, which may allow for short-term relief rallies; however, sustained upward movement would require reclaiming the $54 level [5]. - The overall technical setup remains fragile, with repeated rejections below resistance levels indicating that the path of least resistance may continue to be downward [5].

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Core Insights - The Optimist Fund aims to deliver exceptional long-term investment performance, targeting capital compounding at mid-teens or better over decades [2] - The fund has been operational for nearly four years and is tracking positively towards its five-year investment lens [3] Performance Overview - As of December 31, 2025, the fund's compound returns are as follows: 1 Year: 32.2%, 2 Year: 48.4%, 3 Year: 59.1%, Since Inception: 19.1% [4] - In Q4 2025, the fund experienced a decline of 8.5%, but remains optimistic about the fundamental performance of its holdings [4] Investment Strategy - The fund focuses on identifying businesses where deep research reveals a gap between market expectations and long-term realities, referred to as developing unique insights [5] - The strategy emphasizes long-term investment outcomes over short-term volatility, allowing the fund to capitalize on market dislocations [9][10] Key Holdings and Performance - Top contributors in Q4 included Wayfair and Carvana, both showing significant year-over-year revenue growth [22][23][24] - Top detractors included ThredUp and Monday.com, with ThredUp showing strong fundamentals despite stock price declines [25][26][27] Portfolio Adjustments - The fund exited its position in Fiverr due to a lack of conviction in its growth trajectory, while initiating new positions in Root and Affirm [32][33][35] - DiscoverIE is highlighted as a high-quality industrial compounder with potential for significant EPS growth over the next five years [36][38][39] Future Outlook - The fund believes the next five years will outperform the previous four, driven by improved valuations and stronger underlying business fundamentals [20][21]

Presently, Affirm's fundamentals are strong and much stronger than its share price reaction would lead you to believe. Incidentally, you can read my previous bullish analysisMichael Wiggins De Oliveira is an Inflection investor. As an Inflection investor, I believe that simplicity is key to outperformance. Since 2024, Deep Value Returns is up 174% vs 58% for the Nasdaq (*as of 6 January 2026).This means buying a stock at the moment when the outlook is expected to improve over the next year. This allows one ...

Core Viewpoint - Affirm Holdings Inc. is identified as a high-risk, high-reward growth stock, with a recent target price reduction by Mizuho to $95 from $114, while maintaining an Outperform rating, citing an unjustified selloff and two positive catalysts: a partnership with Intuit and conservative FY2026 guidance [1][2]. Group 1: Partnership with Intuit - On February 2, Affirm announced a multi-year exclusive partnership with Intuit, making Affirm the built-in pay-over-time solution in QuickBooks Payments, which provides access to millions of small and mid-market businesses with over $2 trillion in invoices annually [2]. - The integration of Affirm into QuickBooks Payments is expected to offer businesses a transparent way to provide customers with payment options while ensuring businesses receive payments upfront [2]. Group 2: Financial Performance - Affirm's Q2 FY2026 earnings report revealed a 36% year-over-year growth in gross merchandise volume, reaching $13.8 billion, and a 30% year-over-year revenue growth to $1.1 billion [2][3]. - Active consumers increased by 23% year-over-year to 25.8 million, and transactions per active customer grew by 20% year-over-year to 6.4 times [2]. Group 3: Future Revenue Guidance - For Q3 FY2026, Affirm expects revenue between $0.97 billion and $1.00 billion, indicating a year-over-year growth rate of 23.9% to 27.7% [3]. - For Q4 FY2026, the revenue guidance is set between $1.06 billion and $1.09 billion, suggesting a year-over-year growth rate of 21.0% to 24.4% [3]. Group 4: Company Overview - Affirm Holdings, Inc. operates a payment network across Canada, the United States, and internationally, offering a consumer-focused app, point-of-sale payment solutions, and merchant commerce solutions [4].

分组1: Economic Outlook and Federal Reserve - The January US jobs report indicates a stronger-than-expected labor market, leading to speculation about potential rate cuts by the Federal Reserve later in the year [1] - Economists from Bloomberg Economics expect the Fed to cut rates by 100 basis points this year, citing easing inflation as a factor [1] - CIBC Capital Markets anticipates the first rate cut in June, with two cuts expected for the year, supporting a wait-and-see approach [2] 分组2: Stock Market Implications - Lower interest rates are projected to positively impact the stock market, leading to higher trading multiples for stocks [2] - A higher stock market valuation would particularly benefit high-beta stocks, which are characterized by higher risk and potential reward [3] 分组3: Company-Specific Insights - Roblox Corporation - Roblox Corporation (NYSE:RBLX) has an upside of 46.36% and a 5-year beta of 1.63x, with 90 hedge fund holders [8] - The company reported a 69% YoY growth in daily active users and a 43% YoY increase in revenue to $1.4 billion for Q4-2025 [10] - Management guidance for 2026 indicates revenue growth of 32% to 37% in Q1 and 23% to 29% for the full year [11] 分组4: Company-Specific Insights - Affirm Holdings Inc. - Affirm Holdings Inc. (NASDAQ:AFRM) has an upside of 46.68% and a 5-year beta of 3.58x, with 60 hedge fund holders [13] - The company reported a 36% YoY growth in gross merchandise volume to $13.8 billion and a 30% YoY revenue growth to $1.1 billion for Q2 FY2026 [16] - Management expects revenue for Q3-2026 to be between $0.97 billion and $1.00 billion, indicating a YoY growth rate of 23.9%-27.7% [17]

Core Insights - Buy Now, Pay Later (BNPL) services like Affirm and Klarna are increasingly popular among consumers, particularly younger demographics, allowing them to make purchases in smaller, often interest-free payments [3][10] - Analysts are divided on the investment potential of Affirm versus Klarna, with some viewing Affirm as a stronger buy due to its lower fees and established profitability [14][18] Industry Overview - The BNPL market is growing as consumers seek flexible payment options, with services allowing payments to be split into smaller amounts without interest, appealing to a wide range of consumers [6][9] - The Federal Reserve indicates that credit card debt in the U.S. has reached $1.28 trillion, highlighting a shift towards alternative payment methods like BNPL [5] Consumer Behavior - Approximately 19% of individuals aged 18 to 29 and 30 to 44 have utilized BNPL services, with late payment rates being notably higher among younger users [10][11] - The financial stability of consumers using BNPL is questioned, as a significant percentage of users report making late payments, indicating potential budgeting risks [11][13] Company Performance - Affirm's CEO reported that a majority of their users are financially stable, with 72% of stable users and 89% of fragile users making multiple BNPL purchases in a year [13] - Affirm is currently priced at $54.26, down 27% year-to-date, while Klarna is trading at $18.34, having experienced a 36% decline year-to-date [17][20] Investment Analysis - Analysts have mixed views on Affirm and Klarna, with some recommending Affirm as a buy due to its profitability and lower fees, while others express caution regarding Klarna's lack of profitability and potential risks [14][19] - Merc Research has a contrarian view on Affirm, suggesting a strong sell position due to anticipated challenges in the UK market and competition in the checkout space [16] Market Dynamics - Both Affirm and Klarna have established relationships with retailers, with Klarna offering cash back for certain merchants, while Affirm has discontinued its cash back rewards program [21]