Affirm Holdings, Inc. (NASDAQ:AFRM) is one of the stocks that Jim Cramer expressed thoughts on. Inquiring about the stock, an investing club member commended the company’s CEO. In response, Cramer said, “You are right [buy, buy, buy]…. Max Levchin is a genius.” A person with stock market data on a laptop. Photo by Anna Nekrashevich on Pexels Affirm Holdings, Inc. (NASDAQ:AFRM) operates a digital payment network that enables consumers to make purchases and pay over time through its point-of-sale and app- ...

Core Insights - Affirm Holdings, Inc. (AFRM) is enhancing its partnership with Google by supporting the Agent Payments Protocol (AP2), which is designed to facilitate secure, agent-led transactions across various platforms [1][8] - The integration of AP2 allows AFRM to embed its payment options into a new era of digital payments, emphasizing responsible lending and consumer trust through real-time assessments and interest-free installment plans [2][3] Company Developments - AFRM's platform already integrates with Google Pay and Chrome's autofill feature, which positions the company to connect with new consumers and merchants [2] - The collaboration with Google and the integration of AP2 signifies AFRM's intent to diversify beyond Buy Now, Pay Later (BNPL) services and establish itself as a tech-savvy financial partner [3][4] - Total transactions for AFRM surged 51.8% year over year in the fourth quarter of fiscal 2025, indicating strong growth and potential for increased transaction volumes [4][8] Competitive Landscape - Competitors such as PayPal and Visa are also advancing in the fintech space, with PayPal launching its Agent Toolkit and Visa developing its Intelligent Commerce initiative, both focusing on AI integration [5][6] - PayPal's total payment volume increased by 6% year over year in the second quarter of 2025, while Visa's processed transactions rose by 10% year over year in the third quarter of fiscal 2025 [5][6] Financial Performance - In the year-to-date period, AFRM's shares gained 25.7%, outperforming the industry's rise of 20.9% [7] - The Zacks Consensus Estimate for AFRM's fiscal 2026 earnings implies a remarkable 460% growth from the previous year, with revenue growth projected at 23.8% year over year [9] - Current earnings estimates indicate significant year-over-year growth, with the most recent consensus for fiscal 2026 earnings at $0.84 and $1.45 for the following year [10]

Group 1 - Affirm Holdings, Inc. (NASDAQ: AFRM) is a notable player in the buy-now-pay-later (BNPL) financial technology sector, which has been analyzed alongside other companies like Klarna [1] - The focus of the analysis includes business models, earnings performance, and competitive positioning within the fintech industry [1] - The author aims to provide research-backed insights to assist investors in making informed decisions regarding their investment strategies [1] Group 2 - The article does not provide specific financial data or performance metrics for Affirm Holdings, Inc. or the BNPL sector [2][3]

Group 1 - Affirm Holdings, Inc. (NASDAQ: AFRM) is a notable player in the buy-now-pay-later (BNPL) financial technology sector, which has been analyzed alongside other companies like Klarna [1] - The focus of the analysis includes business models, earnings performance, and competitive positioning within the fintech industry [1] - The analyst aims to provide research-backed insights to assist investors in making informed decisions regarding their investment strategies [1] Group 2 - The article emphasizes the importance of understanding the strengths and risks associated with companies in the fintech sector, particularly in the context of long-term growth [1]

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Core Insights - Affirm has launched a promotion called "0% Days" offering interest-free payment plans to shoppers in the U.S. as the holiday season approaches [1][2] - The event will take place from October 22 to 24, providing access to thousands of 0% APR offers across various categories with repayment terms of up to 24 months [2][4] - Affirm's promotion aims to differentiate its installment-based model from traditional credit cards by eliminating hidden costs and fees associated with credit [3][4] Company Strategy - The promotion expands on Affirm's existing partnerships that already provide select 0% financing year-round, positioning the company to capture consumer attention during peak shopping periods [4] - Affirm's strategy highlights the growing competition among buy now, pay later (BNPL) providers, as other companies like Sezzle and PayPal are also enhancing their offerings ahead of the holiday season [5] Consumer Behavior - Research indicates that 52% of shoppers are likely to use pay later plans for holiday purchases, with parents and millennials being the most inclined to utilize this payment option [6] - Younger generations are particularly expected to increase their usage of pay later plans during the holiday season compared to the rest of the year [6]

Core Insights - Affirm supports Google's Agent Payments Protocol (AP2), which aims to facilitate agent-led payments across various platforms [1][2] - The collaboration is expected to enhance the integration of Buy Now, Pay Later (BNPL) services into agentic commerce, providing consumers with more flexibility and control [2][3] Company Developments - Affirm's partnership with Google has been ongoing for years, focusing on delivering secure and innovative payment experiences [5] - The integration of Affirm with Google Pay and Chrome's autofill feature is part of this collaboration [5] Industry Trends - Google introduced AP2 to address key issues in agent-led payments, including authorization, authenticity, and accountability [4] - Other major players in the industry, such as Mastercard and Visa, are also developing solutions for agentic commerce, indicating a broader trend towards this payment model [7]

Core Insights - Affirm announced its support for Google's Agent Payments Protocol (AP2), which is an open and payment-agnostic protocol designed to facilitate secure agent-led payments across various platforms [1] - This collaboration enhances Affirm's existing partnership with Google, which includes integrations with Google Pay and Chrome's autofill feature [1] Company Summary - Affirm is a payment network that aims to empower consumers while assisting merchants in driving growth [1] - The integration with Google's AP2 signifies a strategic move to broaden Affirm's payment capabilities and enhance user experience [1] Industry Context - The development of AP2 involves collaboration with leading payments and technology companies, indicating a trend towards more secure and versatile payment solutions in the industry [1] - The partnership reflects the growing importance of seamless payment systems in e-commerce and digital transactions [1]

Group 1: Affirm Holdings, Inc. - Jim Cramer recommended buying Affirm Holdings, Inc. (NASDAQ:AFRM) after Rothschild & Co analyst Harry Bartlett upgraded the stock from Neutral to Buy and raised the price target from $74 to $101 [1][1] - Affirm shares rose 1% to settle at $76.65 on Tuesday [7] Group 2: Beam Therapeutics Inc. - Cramer expressed skepticism about Beam Therapeutics Inc. (NASDAQ:BEAM), stating "I can't go with" regarding the stock [1] - Beam Therapeutics announced on Aug. 14 that the FDA granted regenerative medicine advanced therapy designation status for Beam-101 [1] - Beam shares declined 2.9% to settle at $25.13 on Tuesday [7] Group 3: Crown Castle Inc. - Cramer criticized the business model of Crown Castle Inc. (NYSE:CCI) as "not a sound one" [2] - RBC Capital analyst Jonathan Atkin upgraded Crown Castle from Sector Perform to Outperform but lowered the price target from $113 to $112 [2] - Crown Castle shares gained 1.2% to settle at $95.14 [7] Group 4: Shopify Inc. - Cramer stated that Shopify Inc. (NASDAQ:SHOP) is going "much higher," supported by TD Securities raising its price target from $130 to $156 [2] - Shopify shares fell 2% to close at $161.28 on Tuesday [7] Group 5: CoreWeave, Inc. - Cramer described CoreWeave, Inc. (NASDAQ:CRWV) as "good" [2] - CoreWeave announced plans to acquire Monolith AI, a UK-based pioneer in applying machine learning to complex physics and engineering problems [2] - CoreWeave shares fell 3.8% to settle at $128.83 [7] Group 6: CrowdStrike Holdings, Inc. - Cramer expressed confidence in CrowdStrike Holdings, Inc. (NASDAQ:CRWD) and its CEO George Kurtz, expecting the stock to rise [3] - Wells Fargo analyst Andrew Nowinski maintained an Overweight rating on CrowdStrike and raised the price target from $550 to $600 [3] - CrowdStrike shares fell 2.3% to close at $484.62 [7]

Group 1: Affirm Holdings, Inc. - Jim Cramer recommended buying Affirm Holdings, Inc. (NASDAQ:AFRM) after Rothschild & Co analyst Harry Bartlett upgraded the stock from Neutral to Buy and raised the price target from $74 to $101 [1][1] - Affirm shares rose 1% to settle at $76.65 on Tuesday [7] Group 2: Beam Therapeutics Inc. - Cramer expressed skepticism about Beam Therapeutics Inc. (NASDAQ:BEAM), stating "I can't go with" the stock [1] - Beam Therapeutics announced on Aug. 14 that the FDA granted regenerative medicine advanced therapy designation status for Beam-101 [1] - Beam shares declined 2.9% to settle at $25.13 on Tuesday [7] Group 3: Crown Castle Inc. - Cramer criticized the business model of Crown Castle Inc. (NYSE:CCI), calling it "not a sound one" [2] - RBC Capital analyst Jonathan Atkin upgraded Crown Castle from Sector Perform to Outperform but lowered the price target from $113 to $112 [2] - Crown Castle shares gained 1.2% to settle at $95.14 [7] Group 4: Shopify Inc. - Cramer stated that Shopify Inc. (NASDAQ:SHOP) is going "much higher," supported by TD Securities raising its price target from $130 to $156 [2] - Shopify shares fell 2% to close at $161.28 on Tuesday [7] Group 5: CoreWeave, Inc. - Cramer described CoreWeave, Inc. (NASDAQ:CRWV) as "good" [2] - CoreWeave announced plans to acquire Monolith AI, a UK-based pioneer in applying machine learning to complex physics and engineering problems [2] - CoreWeave shares fell 3.8% to settle at $128.83 [7] Group 6: CrowdStrike Holdings, Inc. - Cramer expressed confidence in CrowdStrike Holdings, Inc. (NASDAQ:CRWD) and its CEO George Kurtz, expecting the stock to rise [3] - Wells Fargo analyst Andrew Nowinski maintained an Overweight rating on CrowdStrike and raised the price target from $550 to $600 [3] - CrowdStrike shares fell 2.3% to close at $484.62 [7]