As the holiday season approaches, consumers prepare for another hit to their pocketbooks with their annual holiday shopping. Inflation and high interest rates have caused consumers to tighten their spending habits in the consumer discretionary sector. The holiday shopping season is when most retailers have the opportunity to get in the black. It's also the busiest time of year for buy-now-pay-later (BNPL) services, which continue to grow in usage. Here are 3 stocks to consider buying now to profit from the ...

Affirm (NASDAQ: AFRM ), one of Buy Now Pay Later (BNPL) stalwarts and market leaders, had dropped to $38-$42 in the past 2 weeks, as the 10-year treasury yield rose from 3.75% to 4.07% before shooting up a huge 12% yesterday to $47 afterFinancial Analyst and Portfolio Manager for over 3 decades, with a 5 Star tipranks rating in the top 5%.I love to find great, undervalued, best-in-class companies using the same fundamental analysis and strategies used by Warren Buffett and Peter Lynch.Analyst’s Disclosure: ...

The buy now, pay later company is in a fine position to take advantage of growth opportunities.Investors were clearly in a mood to buy now and pay immediately for shares of specialty financial company Affirm (AFRM 12.07%) on Friday. The buy now, pay later (BNPL) commerce facilitator didn't have any proprietary news to deliver; rather, it benefited from the latest in a recent series of analyst recommendation upgrades. With this wind at its back, the company's share price zoomed more than 12% higher on the da ...

For Immediate ReleasesChicago, IL – October 10, 2024 – Zacks.com announces the list of stocks featured in the Analyst Blog. Every day the Zacks Equity Research analysts discuss the latest news and events impacting stocks and the financial markets. Stocks recently featured in the blog include Affirm Holdings Inc. (AFRM) , American Express Co. (AXP) , Fidelity National Information Services Inc. (FIS) , PayPal Holdings Inc. (PYPL) and The Western Union Co. (WU) .Here are highlights from Thursday’s Analyst Blog ...

The rapid shift from cash to digital transactions, driven by a push toward convenience and security, has led to meteoric growth in mobile payments. The space encompasses a broad spectrum of innovations, including payment infrastructure and software services, as well as virtual wallets and smartcards. As the adoption of digital payment becomes commonplace, the mobile payments market is anticipated to experience meteoric growth in the long term.At this stage, we recommend five mobile payments stocks to buy an ...

From a valuation perspective, Affirm Holdings, Inc. (AFRM) stock looks attractive. AFRM is currently trading at a forward 12-month price/sales (P/S) of 4.02X, a roughly 37% discount compared with the industry average of 6.41X. It has a market cap of $13.3 billion.Though Affirm’s cheap valuation may present a profitable opportunity for investors seeking value, a more comprehensive analysis is needed to determine if its discounted valuation is justified based on its fundamentals, growth prospects and prevaili ...

Affirm TodayAFRMAffirm$38.81 -0.55 (-1.40%) 52-Week Range$15.97▼$52.48Price Target$35.53Add to WatchlistAffirm Holdings Inc. NASDAQ: AFRM is a fintech offering buy-now-pay-later (BNPL) options for consumers to finance their purchases, enabling merchants to generate additional sales that otherwise may not have been made. The transactions are a win-win for consumers and the merchants, while Affirm is the middleman facilitating the financing. The company is growing and working its way towards profitability. Th ...

Affirm Holdings (AFRM) closed the most recent trading day at $38.50, moving -1.41% from the previous trading session. This move lagged the S&P 500's daily loss of 0.17%. Elsewhere, the Dow lost 0.44%, while the tech-heavy Nasdaq lost 0.04%.Heading into today, shares of the operator of digital commerce platform had lost 2.93% over the past month, lagging the Business Services sector's gain of 1.44% and the S&P 500's gain of 1.25% in that time.The investment community will be paying close attention to the ear ...

Affirm Holdings, Inc. (NASDAQ:AFRM) Special Call September 30, 2024 10:00 AM ET Company Participants Michael Linford - COO & CFO Conference Call Participants Katie Perry - After Earnings Katie Perry I'm Katie Perry, and this is After Earnings. The show brought to you by Morning Brew and Stakeholder Labs. We talk to the public company executives that you want to hear from. Today, we have a Buy Now Pay Later, that's BNPL, juggernaut with us. A firm is back on the show. We're joined by Michael Linford. They're ...

Summary of Affirm Holdings, Inc. Special Call on September 30, 2024 Company Overview - **Company**: Affirm Holdings, Inc. (NASDAQ: AFRM) - **Participants**: Michael Linford (COO & CFO) Key Points Industry Context - Affirm operates in the Buy Now Pay Later (BNPL) sector, which has seen significant growth and adoption among consumers, particularly younger demographics like Gen Z [2][21]. Financial Performance - Affirm reported a **48% year-over-year revenue growth** in Q4, indicating strong business performance [2][12]. - The company is on track to achieve **GAAP profitability by the end of the fiscal year**, driven by strong top-line growth and improved operating margins [8][10]. Operational Insights - Affirm's unit economics are strong, with revenue less transaction costs exceeding the long-term target range of **3% to 4%** [7]. - The company plans to control operating expenses while continuing to grow revenue, with a significant reduction in amortization costs expected from a major enterprise partner [10]. Strategic Partnerships - Affirm has established partnerships with major enterprises like **Amazon, Shopify, and Apple**, which are crucial for expanding consumer reach and enhancing the checkout experience [11][36]. - The partnership with Apple is live, allowing iPhone users to utilize Affirm's services through Apple Pay, which is expected to significantly increase consumer engagement [36]. Market Positioning - Affirm differentiates itself from competitors like Klarna and Afterpay by offering a broader range of payment terms and a transparent fee structure, which appeals to both consumers and merchants [25][27]. - The company emphasizes its commitment to responsible credit practices, which is vital for maintaining consumer trust and managing credit risk [19][22]. Future Outlook - Affirm is preparing for international expansion, with plans to launch in the **U.K.** later this year, aiming to replicate its U.S. success in new markets [39]. - The company is focused on building a payments network that adds value to both consumers and merchants, with a long-term vision of becoming a ubiquitous payment option alongside traditional credit networks [46][47]. Technological Integration - Affirm is leveraging **AI and machine learning** to enhance its predictive capabilities and improve decision-making processes, although it maintains a cautious approach to ensure compliance and transparency [30][32]. Consumer Trends - The shift in consumer preferences towards transparent financial products is driving Affirm's growth, particularly among younger consumers who are seeking alternatives to traditional credit cards [22][23]. Regulatory Considerations - Entering new markets involves navigating complex regulatory frameworks, which Affirm is prepared to address as it expands internationally [42][43]. Additional Insights - The company acknowledges the competitive landscape in the BNPL space, which is expected to drive innovation and improve service offerings [28][29]. - Affirm's focus on maintaining high credit discipline is crucial for managing costs and ensuring sustainable growth [19]. This summary encapsulates the key insights and strategic directions discussed during the call, highlighting Affirm's robust growth trajectory and its commitment to innovation and consumer-centric financial solutions.