Core Viewpoint - Jim Cramer recommends selling Chime (CHYM) stock and buying Affirm Holdings (AFRM) stock, highlighting the contrasting performance and outlook of both companies in the fintech sector [1][4]. Company Analysis Chime - Chime is a neobank that went public in June via an IPO, initially experiencing hype and early gains before a 15% decline from its $27 IPO price [4]. - The company is not consistently profitable, which is a concern as investors increasingly demand profitability and margin expansion in the fintech space [4]. Affirm Holdings - Affirm reported an "exceptionally strong" quarter, achieving new highs in growth and profitability despite the fourth quarter not being its seasonal peak [5]. - The company experienced a 43% year-over-year increase in gross merchandise volume (GMV) to $10.4 billion and a 33% increase in total revenue to $876 million [6]. - Active consumers reached 23 million, up 24% year-over-year, and Affirm reported a net profit of $69 million in Q4, a significant turnaround from a net loss of $45 million in the prior-year quarter [6]. - For the full fiscal 2025, total revenue rose 38.7% to $3.2 billion, with a net income of $52.2 million [6]. - Affirm's repayment performance remains strong, with 95% of transactions involving repeat borrowers, indicating customer loyalty [7]. - The company is expanding into the UK market, which may enhance its growth trajectory [7].