Affirm Holdings (AFRM) closed at $64.95 in the latest trading session, marking a -1.05% move from the prior day. The stock fell short of the S&P 500, which registered a gain of 0.73% for the day. At the same time, the Dow added 0.16%, and the tech-heavy Nasdaq gained 0.98%.Heading into today, shares of the operator of digital commerce platform had lost 1.37% over the past month, lagging the Business Services sector's gain of 0.33% and the S&P 500's gain of 0.34% in that time.The investment community will be ...

Affirm Holdings, Inc. (AFRM) recently announced that it has expanded its partnership with WooCommerce. With this move, AFRM became a leading pay-over-time provider for merchants using WooPayments, the integrated payment solution of WooCommerce,in the United States and Canada.Affirm's payment plans, including biweekly and monthly installments and a new "Pay in 30" option, will now be automatically enabled for WooCommerce merchants, offering more flexible payment options at checkout. This move aims to increas ...

The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price. Do they really matter, though?Let's take a look at what these Wall Street heavyweights have to say about Affirm Holdings (AFRM) before we discuss the reliability of brokerage recommendations and how to use them to your advantage.Affirm Holdings currently ...

The BNPL leader still has a bright future.Affirm (AFRM 4.19%), a leading provider of buy now, pay later (BNPL) services, went public on Jan. 13, 2021. It soared from its IPO price of $49 to a record high of $168.52 on Nov. 4, 2021, but it dropped below $9 the following December.The bulls were initially impressed by Affirm's rapid growth and early mover's advantage in the booming BNPL market. However, they retreated as its growth cooled off and rising interest rates compressed its valuations and highlighted ...

Affirm Holdings, Inc. (AFRM) recently announced that it expanded its partnership with Adyen, making it the first Buy Now, Pay Later (BNPL) provider to integrate with Adyen for Platforms. This collaboration allows Affirm’s payment solutions to be used by platform businesses like marketplaces and on-demand services.Additionally, Affirm is now offering its monthly installment plans to Adyen merchants in Canada, enhancing its payment options beyond the existing biweekly plans. This move aims to provide greater ...

Core Insights - Affirm is expanding its partnership with Adyen, becoming the first buy now, pay later (BNPL) provider to support Adyen's payment solution for platform businesses, enhancing payment options for Adyen merchants in Canada [1][2] - The partnership targets Adyen for Platforms customers, including peer-to-peer marketplaces, on-demand services, and crowdfunding platforms, and has seen significant growth, with average annual volume increasing over seven times from 2021 to 2023 [2] - Affirm has formed a long-term capital partnership with Sixth Street, which involves an investment of up to $4 billion to purchase Affirm loans, allowing Affirm to extend up to $20 billion in loans over the next three years [3][4] Industry Trends - The BNPL market is experiencing increased usage among cash-strapped consumers, with a PYMNTS report indicating that those facing cash flow shortages are 3.5 times more likely to use BNPL compared to financially stable consumers [5][6] - The report highlights that 8.9% of consumers with frequent cash flow shortages used BNPL in the past 30 days, compared to only 2.5% of stable consumers, indicating BNPL's accessibility compared to traditional credit [6]

Core Insights - The article discusses the investment landscape and the potential opportunities within the market, emphasizing the importance of thorough research and analysis before making investment decisions [1] Group 1 - The article highlights the significance of understanding market trends and company fundamentals to identify potential investment opportunities [1] - It mentions that investors should be cautious and conduct due diligence to mitigate risks associated with market volatility [1] - The importance of diversification in an investment portfolio is underscored, suggesting that spreading investments across various sectors can help manage risk [1]

Group 1: Tariffs and Economic Impact - President Trump intends to impose import tariffs on all goods made outside the U.S. to support the America First initiative, aiming to boost the manufacturing industry and benefit factory workers [1] - Tariffs are expected to increase prices and decrease trade, as importers may pass the additional costs onto consumers, making foreign products more expensive [2] - Anticipation of tariffs ranging from 10% to 25% on imports and 60% on Chinese products may lead to stockpiling behavior among consumers and companies [3] Group 2: Company-Specific Insights - Whirlpool, a major U.S. appliance manufacturer, is expected to benefit from the tariffs, as it employs over 28,000 Americans and produces appliances domestically [4] - The company has reported a 4.3% year-over-year decline in sales of major domestic appliances in North America, contrasting with a 9.1% gain in Asia [7] - Stockpiling ahead of potential tariffs could positively impact Whirlpool's Q4 2024 results by front-loading sales that may have occurred later in 2025 [8] Group 3: Other Companies and Market Dynamics - Best Buy, a consumer electronics retailer, may see an increase in sales due to consumers accelerating their electronics upgrade cycle in anticipation of price spikes from new tariffs [9] - Affirm Holdings, a buy now pay later platform, stands to benefit from increased consumer financing needs as stockpiling occurs, particularly for big-ticket items like home appliances [10][11]

Core Viewpoint - Affirm Holdings, Inc. has entered a long-term capital partnership with Sixth Street, which will invest up to $4 billion in purchasing Affirm loans over the next three years, marking the largest capital commitment in the company's history [1][2]. Group 1: Partnership and Funding - The partnership with Sixth Street allows Affirm to extend more than $20 billion in loans over the next three years, enhancing its payment network while maintaining a capital-efficient approach [2]. - Affirm's total funding capacity has increased by 50% over the past two years, reaching $16.8 billion as of September 30, 2024 [2]. Group 2: Business Growth and Projections - Affirm aims to achieve a fiscal 2025 GMV objective of over $34 billion, with revenues projected to expand at least 20 basis points from the fiscal 2024 figure [3]. - The company is focused on enhancing its relationships with long-term capital partners and regularly adding capacity across various channels to solidify its leadership in the Buy Now, Pay Later (BNPL) space [3]. Group 3: Stock Performance - Over the past year, Affirm's shares have surged by 61.8%, significantly outperforming the industry growth of 24.8% [5]. - Affirm currently holds a Zacks Rank 2 (Buy), indicating positive market sentiment towards the stock [6].

Group 1 - Affirm and Sixth Street have established a long-term capital partnership, with Sixth Street committing to invest up to $4 billion in Affirm loans through a three-year forward flow agreement, enabling Affirm to extend up to $20 billion in loans over the next three years [1][2] - The partnership is designed to provide capital-efficient funding to support Affirm's growth plans, leveraging Sixth Street's expertise in asset-based finance and long-term capital [2] - Affirm's total funding capacity reached $16.8 billion as of September 30, having increased by over 50% in the past two years, with the company generating over $28 billion in gross merchandise volume in the previous 12 months [3] Group 2 - Affirm claims a significant market position, holding a third of the volume and more than half of the revenue in the U.S. pay-later space [3] - The company possesses a "huge competitive moat" due to the complexities of underwriting, requiring substantial infrastructure to effectively utilize data [4] - Affirm has recently partnered with eight additional merchants to enhance flexible pay-over-time options for consumers [4][5]