Core Insights - Affirm Holdings, Inc. (AFRM) has expanded its payment options to include in-store purchases via Apple Pay, enhancing flexibility and choice for users in the US [1][9] - The integration allows users to set up Affirm in the Apple Wallet app and split purchases into biweekly or monthly installments [2][4] Company Developments - Users can initiate Affirm's payment method by double-clicking the side button on their iPhone, selecting Affirm, and completing a quick eligibility check [3] - Affirm offers installment payments with rates starting as low as 0% APR, with no late fees or hidden charges [4] - The adoption of Affirm's payment solutions has led to a 47.2% year-over-year increase in transaction count in fiscal 2025 [5][9] Competitive Landscape - Key competitors in the buy now pay later (BNPL) space include PayPal Holdings, Inc. (PYPL) and Visa Inc. (V), both of which have a strong market presence [6][7] - PayPal processed 6.2 billion transactions in Q2 2025, with net revenues rising 5% year-over-year to $8.3 billion [6] - Visa's processed transactions increased by 10% year-over-year in Q3 2025, with total revenues advancing 14% year-over-year [7] Financial Performance - Affirm's shares have surged 103.3% over the past year, outperforming the industry's growth of 40.3% [8] - The Zacks Consensus Estimate for Affirm's fiscal 2026 earnings indicates a 473.3% improvement from the previous year, with revenues expected to grow by 23.4% year-over-year [11] - Affirm currently trades at a forward price-to-sales ratio of 6.99, above the industry average of 5.82 [10]