SAN DIEGO, March 25, 2025 /PRNewswire/ -- FuturHealth, a leading provider of personalized weight-loss solutions, today announced the launch of Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth. Now approved FuturHealth customers can use Affirm's flexible, transparent pay-over-time options to purchase medications, including branded GLP-1 options such as Wegovy and Ozempic, as well as personalized meal plans, consultations, and lab services. These medications ...

Core Viewpoint - Affirm Holdings Inc. faces significant stock market volatility following Walmart's decision to partner exclusively with Klarna as its BNPL provider, raising concerns about long-term revenue and market share implications for Affirm [1][3][12] Competitive Landscape - The BNPL market is highly competitive, with major players like Klarna and Afterpay vying for market share alongside Affirm, necessitating strong merchant partnerships and consumer attraction [1][2] - Walmart's exclusive partnership with Klarna underscores the intense competition in the BNPL sector, presenting a notable setback for Affirm [2][3] Market Reaction - Affirm's stock price dropped approximately 12% on the day Walmart announced its partnership with Klarna, reflecting investor concerns about potential revenue loss [3] - The market's reaction may overestimate the long-term damage to Affirm, as the company maintains a diversified merchant network [4] Business Resilience - Affirm boasts a diverse network of over 337,000 active merchants and strategic partnerships with major companies like Shopify, Amazon, and Target, which support continued growth [5][6] - The company is expanding into new markets, including the UK and Canada, and diversifying into various verticals, which mitigates the impact of losing any single partnership [6] Competitive Advantages - Affirm's competitive advantages include a transparent fee structure, advanced machine learning underwriting, and flexible Adaptive Checkout technology, which differentiate it in the BNPL sector [7] - The company's Capital Strategy 2.0 focuses on stable funding and operational efficiency, reinforcing its market position [7] Financial Performance - Affirm's Q2 2025 earnings report showed strong performance, with an EPS of $0.23, exceeding analyst expectations, and a year-over-year revenue growth of 47% [8][9] - The company projects an Adjusted Operating Income margin of 21-23% for the next quarter, indicating management's confidence in its growth trajectory [8][9] Stock Forecast - Analysts project a 12-month stock price forecast for Affirm at $69.76, representing a 39.81% upside potential, with a Moderate Buy rating based on 20 analyst ratings [9] Long-Term Outlook - Despite the setback from losing Walmart as a partner, Affirm's inherent strengths and opportunities in the expanding BNPL market suggest resilience and growth potential [12] - The recent stock dip may present a buying opportunity for long-term investors, as Affirm's innovation capacity and established fintech position indicate a positive growth trajectory [13]

Affirm Holdings (AFRM) closed at $47.95 in the latest trading session, marking a +0.5% move from the prior day. The stock exceeded the S&P 500, which registered a loss of 0.22% for the day. Elsewhere, the Dow saw a downswing of 0.03%, while the tech-heavy Nasdaq depreciated by 0.33%.Heading into today, shares of the operator of digital commerce platform had lost 37.54% over the past month, lagging the Computer and Technology sector's loss of 12% and the S&P 500's loss of 7.48% in that time.The investment co ...

Core Viewpoint - Affirm Holdings, Inc. is expanding its collaboration with Adyen into the U.K., allowing merchants to offer interest-free and interest-bearing installment options, enhancing consumer financial flexibility and aiming for significant growth in the market [1][2][4]. Group 1: Expansion and Market Demand - The integration of Affirm's payment solutions in the U.K. responds to the rising demand for flexible payment options among businesses, providing merchants access to a broader customer base and consumers with more payment choices without hidden fees [2][4]. - This expansion is expected to contribute to Affirm's fiscal 2025 Gross Merchandise Volume (GMV) outlook of $34.74-$35.34 billion [2]. Group 2: Financial Transparency and Credit Reporting - Affirm will start reporting all pay-over-time transactions to Experian from April 1, 2025, enhancing financial transparency and allowing lenders to gain a comprehensive view of consumer financial behaviors [3][4]. - The inclusion of all pay-over-time loans in Experian's credit reporting system is anticipated to build trust with lenders and support responsible credit extension [4]. Group 3: Stock Performance - Over the past year, Affirm's shares have increased by 27.2%, outperforming the industry growth of 2.3% [5].

Core Insights - Affirm plans to start reporting all of its payment plans to Experian on April 1, expanding its credit reporting to include pay-over-time products alongside existing monthly installment loans [1][4] - The new payment plan types to be reported include biweekly payment plans, Pay in 30 (single installment), Pay-in-2, and Pay-in-6, which were not previously shared with Experian [2] Company Impact - Affirm's President Libor Michalek stated that having all loans reflected in a consumer's financial profile will help protect and empower borrowers, indicating a shift in the buy now, pay later (BNPL) industry towards supporting credit history building [3] - The expanded credit reporting is expected to enable consumers and lenders to make more informed decisions, enhancing financial management for consumers [3] Industry Implications - The new loan reporting will not immediately affect traditional credit scores but may do so in the future as new credit scoring models are developed [4] - Experian's group president, Scott Brown, emphasized that this move will provide greater transparency, aiding consumers in building credit histories and supporting responsible lending practices [5] - FICO is planning to incorporate BNPL data into its credit score analysis, which could potentially raise FICO scores for some consumers and improve risk performance for lenders [5]

NEW YORK, March 18, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ: AFRM). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.The investigation concerns whether Affirm and certain of its officers and/or directors have engaged in securities fraud or other unlawful business practices. [Click here for information about joining the class action] On March 17, 2025, th ...

Core Viewpoint - Affirm Holdings Inc has lost its exclusive partnership with Walmart, which will now offer installment loans through Klarna, impacting Affirm's revenue and market position [1][3]. Group 1: Partnership Changes - Klarna has announced a partnership with OnePay to provide installment loans at Walmart, ending Affirm's exclusive loan services for Walmart customers that began in 2019 [1]. - Affirm's financial impact from the termination of the Walmart partnership is now assessed to be lower than initially expected, with Walmart contributing 5% of Affirm's GMV and 2% of its operating income [3]. Group 2: Analyst Insights - Goldman Sachs analyst Will Nance has reiterated a Buy rating on Affirm shares, raising the price forecast from $50 to $56, while previously reducing it from $90 to $50 [2]. - The analyst's revised estimates indicate that Walmart's contribution to Affirm's GMV for CY2024 is approximately $2.2 billion, representing 7% of the total [2]. Group 3: Financial Performance - Affirm's operating income from the Walmart partnership was less than 1% margin, which supports the view that the financial impact will be less severe than anticipated [4]. - The lower operating income headwind has led to an increase in the price forecast for Affirm, although it remains lower than prior to the announcement due to reduced peer multiples and heightened investor sensitivity to competition [4]. Group 4: Strategic Partnerships - Affirm has extended its exclusive partnership with Shopify through 2028, indicating a more strategic relationship compared to its previous partnership with Walmart [5]. - Both Shopify and Amazon hold long-term warrants for Affirm shares, suggesting deeper ties and potential for future growth [5]. Group 5: Market Position and Trends - Affirm is recognized as a leading underwriter in the subprime and near-prime credit space, with capabilities comparable to major incumbents like Capital One [5]. - The company is expected to benefit from the growth of Buy Now Pay Later (BNPL) in e-commerce, particularly among younger consumers who prefer installment financing over traditional credit cards [6]. Group 6: Competitive Landscape - Walmart's history of changing credit providers raises concerns about partner concentration risks and competitive pressures in the industry, which may lead to increased caution among investors [7]. - Following the news, Affirm shares traded lower by 9.35% at $43.48 [7].

Group 1 - Affirm Holdings, Inc. (AFRM) shares fell 4.2% following Klarna's announcement as the exclusive provider of buy now, pay later (BNPL) loans for Walmart Inc. (WMT) in the U.S. this year [1] - Klarna is preparing for an IPO, aiming to raise over $1 billion at a valuation exceeding $15 billion [1] - Klarna's BNPL services will be integrated with OnePay, a Walmart-backed fintech firm, which is already available at Walmart's checkouts [2][3] Group 2 - Affirm is currently a BNPL partner for Walmart, but will lose exclusivity to Klarna, which accounted for approximately 5% of Affirm's GMV and 2% of its adjusted operating income in the second half of last year [4] - Despite the loss of the Walmart partnership, Affirm's BNPL services will still be available through direct-to-consumer channels [4] - Over the past year, Affirm's shares have increased by 40.2%, outperforming the industry growth of 8.6% [5]

About this content About Emily Jarvie Emily began her career as a political journalist for Australian Community Media in Hobart, Tasmania. After she relocated to Toronto, Canada, she reported on business, legal, and scientific developments in the emerging psychedelics sector before joining Proactive in 2022. She brings a strong journalism background with her work featured in newspapers, magazines, and digital publications across Australia, Europe, and North America, including The Examiner, The Advocate, ...

Affirm Holdings, Inc. (AFRM) recently teamed up with StockX, a global resale marketplace for current culture products. Through this collaboration, eligible StockX shoppers in the United States can now take advantage of Affirm’s flexible payment plans when purchasing highly sought-after items from top brands such as adidas, Supreme, Gucci and more. With this new feature, eligible shoppers can opt for Affirm’s biweekly or monthly payment plans at checkout. The process remains a seamless one, wherein customers ...