AFRM

bemeandnotyou

PYPL VS AFRM , pair trade they said. fml

LocoMotoNYC

I betcha people are using AFRM a lot this holiday season.

FeverTreeCloud

AFRM randomly up 10%

765cc_Triple

I FOMO'd on AFRM. Lawd help me.

FeverTreeCloud

Damn, I wish someone fucked me over other than AFRM

mm_31

Affirm (AFRM), Klarna (KLAR) and Sprouts Farmers Market (SFM)

Tyrade-15065

Does WSB have a list of community thoughts on key tickers if the Fed cuts rates? (Thinking AFRM, SOFI, LDI, etc) Or doesn't cut rates?

LOLIMJESUS

MU and DDOG will continue to benefit greatly from the AI / datacenter arms race. Also AFRM as the consumer will need a way to continue their expensive lifestyle habits

GringottsWizardBank

At this rate people are gonna use buy now pay later just to eat. Calls on AFRM and KLAR.

Crazy_Donkies

I bought 1/2026 AFRM calls that are down 40%. What would you do?

peopeopeopeo10

AFRM comeback when

Specialist_Pay_1510

AFRM baby!!!

Diggital304

Super bullish!!! People not having to waste 10 hours a day working can use that time to shops and buy soooo much more! Calls on AFRM!

doughboy_491

Coincidentally AFRM was also given some good words in Barrons as a top pick in the retail space.

thegoldenfinn

I have SHOP. Had RBLX but sold months ago at $105. I also like AFRM.

borat_he_like_you

📈 Stock Tip of the Day: AFFIRM ($AFRM) In 2030+, when my $100K sex robots finally hit the market, accessibility will be KEY. Not everyone has a spare six-figures lying around so we’ll be offering 0% financing buy now pay later loans through Affirm. Just build your companion, select her upgrades, then at checkout simply choose: 👉 Pay with Affirm No shame. No judgment. Just 36 low monthly payments and the woman of your dreams We’ll also have demo booths at Walmart and Costco right next to the TVs and rotisserie chickens if you have any questions *hint I dropped two additional stock tips if you read carefully*

thegoldenfinn

MP, AFRM and UBER on their way up again.

conquest333

December setup looks clean AFRM watching closely

Crazy_Donkies

Bought AFRM 12/5 calls.  It's been left out of this recent pump a little.  And I'm hoping for some sort of post black Friday or cyber Monday announcement for "record transactions."  Small gamble.  

HeightSea5673

im bearish since 14 Oct, how is a bear more calm than bulls? there's going to be consolidation, just ride the relief rally and stop panicking. short interest at all time high (almost 30% more than apr dump btw), the market wont dump until late jan feb. junk tickers like OKLO, MP, RGTI, QBTS, FLNC, ORCL, IBIT need a relief rally to get people to buy in, this will take a few weeks of trading so the next wave of liquidation can begin. so many plebs here do not know how it works, have u seen the exact same mania in 2021? go look at UPST at $400 or AFRM at $170 or HOOD at $50

FeverTreeCloud

My AFRM bag is heavy bruh

IMBlessed2day

AFRM usually do well this period. I might just load some more and walk away till late December.

FeverTreeCloud

Every time I go out to eat It’s I am down like $160k on AFRM

AwarenessAble6145

Hello everyone, here is my portfolio. Would love to hear your opinions about it. || || |**Stock**|**Exposure %**| |VT|42.24%| |CHDVD (iShares Swiss Dividend ETF)|15.50%| |HIMS|9.34%| |AFRM|3.41%| |META|3.10%| |SE|1.98%| |SWX:ZGLD (Physical Gold ETF)|1.54%| |AMZN|1.39%| |ROKU|1.22%| |MNDY|1.16%| |UPST|0.59%| |IREN|0.30%| |Cash|18.22%|

Stocks_N_Bondage

For tomorrow's open: - If NVDA tanks its earnings report, then ATM puts on: - AFRM SMR RGTI CVNA PLTR APP OKTA ZS SOFI Tomorrow will be interesting *"may you live in interesting times"* --ancient chinese curse

Stocks_N_Bondage

My possible earnings related play for tomorrow's open: - If NVDA tanks its earnings report, then ATM puts on: - AFRM SMR RGTI CVNA PLTR APP OKTA ZS SOFI Tomorrow will be interesting *"may you live in interesting times" --ancient chinese curse

Old_Ape_General

How long till the buy now pay later companies are in trouble Like $AFRM $SQ $KLAR

Old_Ape_General

$AFRM is about to tank

dansdansy

"I wonder why all these companies are selling debt for liquidity right now? So weird! Anyway I'm gonna buy the dip on these 10x leveraged NVDA instruments and charge them to my AFRM account. If it hits I can buy steak instead of ramen for dinner"

billyd1984texas

AFRM FLEX Klarna 💪

Chrg88

AFRM

collegefootballfan69

KLAR is going to rip some ass when they report. Just look at AFRM

LongHealth

KLAR calls for earnings. Everyone gonna be using it to buy Walmart groceries to survive. You know it, I know it, everybody knows it. Also AFRM beat in the same category.

IMBlessed2day

I will buy puts to help the market back up. Though I am all in on $AFRM Dec calls

Target_Standard

AFRM making me firm

Normal-Meringue7592

If people stopped being complete retards in this sub and spent 3 weeks studying how options, gamma, hedging actually works you guys would never be surprised by how much or how little a stock moves on earnings or which direction. You can literally see where they are positioned the day before earnings are released. AFRM today, there was literally no downside hedging it was stacked calls on calls all the way up to, you guessed it 75 dollars. Where did the stock go to on good earnings? Exactly 75 dollars, if the earnings were horrible the downside risk was to exactly 54 dollars. Soun on the other hand had most of the gamma built up between 14-14.50. Downside was to 11-12.50 and upside was around 16.50 call walls. Look at the Soun chart, whipsawed to exactly those walls and then the algos bought back up to pin it to become delta neautral at 14.5 as that was the highest concentration. Options drive the entire market. Not price action, not volume. Options. Price moves based on where dealers have to hedge. Learn how they actually work from a dealers perspective. Tomorrow TSLA + LLY top watch. Calls are stacked and open interest has been increasing all week. Almost no put pressure overnight, obviously that can change in the morning, so watch the net put and call premiums

Ckn65

You bet on a service for people with money. I'm betting on services for people that dont have money (majority). AFRM crushed earnings and the stock 🚀 after hours...

hermeskino715

AFRM is up!? I thought that shit would fall like UPST

FinsDig

AFRM continuing its run at 4am. Gonna be up 20% before open. Q was unreal and CEO on CNBC at 9:15am. This is the name to move up tomorrow.

OptionsHuduga

I got AFRM $67c. Y'all think this price will hold / increase tomorrow or is this gonna tank tomorrow in true form for this week?

LongHealth

If AFRM holds KLAR calls gonna be free money.

radduder

$AFRM Crushed earnings, was a CNBC final trade today, hit $100 the last earnings report and this one was better, $176 previous high, room to run.

sNeKbIt99

AFRM crushes it again. Their algos working... avoiding defaults.... Yet theyre down 35% from their last earnings... when they also crushed it. Up after hours but not enough to cover the days losses... Repeat... Wall Street HATES this company.

PutSpreadDaddi69

The trade was the shredded Ken credit basket: AFRM PTON GRND

sNeKbIt99

WallStreet hates AFRM. They hate the idea of BNPL, they hate the CEO and it doesn't 4 how well they do or that their defaults are super low. They're going down.

chancepack

AFRM ready to fall 20% in 5 minutes.

OptionsHuduga

what does the ELF/DUOL/DASH dump have to do with AFRM?

CREAM23

AFRM earnings today anyone?

sNeKbIt99

AFRM after the bell. If they show increased defaults it's gonna drill.

SPQR0027

So P/E of 500 (AFRM) good; P/E under 10 (WEN) bad?

FeverTreeCloud

Fuck I have AFRM 😭

bzl33

Yeah pretty much. Reminds me of when $SHOP would count $AFRM gains.

collegefootballfan69

I know this sounds sick but I guess I am in the right place…with the government shutdown impacting SNAP and food stamp type benefits will that cause people to use KLAR and AFRM more to buy food at Walmart?

Tallpaul1989

AFRM will benefit greatly from rate cuts

Tallpaul1989

Anyone eyeballing AFRM? Looking at the may 110 calls 👀

sNeKbIt99

AFRM cock rockin'.... Finally, I think theyre gonna crush earnings.

jlw993

Calling AFRM reversal

Warningyouthistime

EPAM, OPEN, AFRM, and ORCL have sunk my behind. And I’m over this.

luigiman2021

AFRM

Call4GoodTime

Trade desks are circulating headlines on fraudulent lending and credit concerns related to $ZION and other small regional banks. Our pod is treating it similar to how we traded $SVB and I imagine other shops are as well. I would expect small banks and junk credit to pull equities down into next week and lead in terms of losers and volatility Think $HOOD $SOFI $AFRM $UPST etc. Big banks just announced solid and stable financials last quarter so it should all subside when the funny money is pulled out of meme names.

Metacog_Drivel

Well UPST, AFRM, KLAR have all been shit lately so that sector has already been beaten down pretty bad. The big banks can handle themselves just fine.

Chuck_Ponzi

**Here's some Private Credit porn mate, a PC snff flic:** **Beneath the surface of what’s been a remarkably resilient US economy, a series of small shocks in the world of private credit have combined to rock companies that service the most financially vulnerable Americans.** **Auto lender** [**Ally Financial Inc.**](https://www.bloomberg.com/quote/ALLY:US) **tumbled 13% during a nine-day losing streak. Fintech lenders** [**Upstart Holdings Inc.**](https://www.bloomberg.com/quote/UPST:US) **and** [**Pagaya Technologies Ltd.**](https://www.bloomberg.com/quote/PGY:US) **sank more than 20% in the same span. Digital payments company** [**Affirm Holdings**](https://www.bloomberg.com/quote/AFRM:US) **and lender** [**Bread Financial Holdings Inc.**](https://www.bloomberg.com/quote/BFH:US) **suffered similar fates. Even** [**Capital One Financial Corp.**](https://www.bloomberg.com/quote/COF:US)**, one of the nation’s largest credit card issuers, lost 7%.**

jlw993

$AFRM going to comeback

jlw993

$AFRM 🫡

jlw993

Has AFRM found support?

jlw993

Has AFRM found support?

jlw993

Has AFRM found support?

lijie518

I agree with u, but why AFRM should sell since I'm in too. Because you said BNPL is a trend. Thx

DifferenceSilver9814

Unless other comments, I actually think this is a genius play. UPST, together with SOFI, and AFRM have just bounced back from recent sector correction. Maybe long call on SOFI would be a safer bet? I think OP’s setup should give a larger return and higher risks than SOFI. One suggestion would be instead of all in, could be smarter to bet half or 1/3 first, in case there is a drop so you can double down

terminator_911

May be I have been picking shitty stuff but NEO, NKE, AFRM, etc which were hot at one time haven’t reached all-time-again. Overall I am still 20%+ but that is after being a little careful in the last couple of years and following less social media hype

Either-Lie-9000

AFRM is the better bigger brother

billyd1984texas

My AFRM stock is on sale apparently

NotActuallyAMnky

Purely from a credit risk perspective, I prefer AFRM over KLAR within the BNPL world. I think AFRM’s practice of selling off a lot of its debt vs. keeping it on its balance sheet like KLAR does is better for long-term sustainability. I’m generally bullish on BNPL companies on the whole tho as I think they’re an interesting disrupter within the consumer financial services space.

billyd1984texas

Loading up on AFRM with this dip the use in Amazon for buy now pay later just keeps growing.

sNeKbIt99

Massive gains... took profits at doubles on IREN, GLD, FCEL, AFRM, AVAV the past week and today. Now just sit with the runners... Jan 2026 expiry. Sometimes, it is that easy.

tha-sauce-boss

AFRM 92c SNPS 520c

back0n

!banbet AFRM 90$ 2d

Icruz7567

!banbet AFRM 100$ 5d

tobybells

I lost a decent amount of money over the years trying to catch fire on as many stocks I could. More recently have sold most and gone big into AFRM, RDDT, RKLB - up a lot on all 3 and fully intend to start taking profits and moving those into GOOG and VTI, primarily - 38yo and about 1.1mil in my brokerage - definitely aware of how quickly that could go down with what I’m currently holding

Either-Lie-9000

$AFRM calls on open sell in 10mins

radduder

$AFRM Ready for launch off the volume shelf. 🚀 https://preview.redd.it/hlvqffhreupf1.jpeg?width=1038&format=pjpg&auto=webp&s=6b02a1a1608f4c66960ad3f3e967efc4a0e0dd74

Endorphan

Scanner picked up AFRM as an A+ long set up for swing so I took those at 3pm. My wife’s boyfriend loved this move too

chancepack

Bad economy = LDI, KLAR, AFRM will keep going up

LabyrinthLayers

AFRM brrrrr

chancepack

KLAR, the 4 payment king is ready to take down PYPL, SZL, AFRM

LabyrinthLayers

$AFRM calls printed thanks red-headed step child KLAR

LabyrinthLayers

AFRM calls under $80 this morning FREE

Confident_Fly_3922

This thread wont let me post images for some reason but I can just get an llm to output the screen shot. I am getting crushed rn but these are the positions: **ORCL** \- Dec 17 '27 $300 Put * Premium: $59.12 (+$4.175, +7.65%) * Position: 1 contract, Cost: $51.00, Current: $417.50 * P/L: +$771.98 (+15.14%) **ORCL** \- Jun 17 '27 $185 Put * Premium: $10.09 (+$0.925, +8.24%) * Position: 2 contracts, Cost: $22.00, Current: $185.00 * P/L: -$1,971.03 (-44.7%) **CVNA** \- Jun 17 '27 $200 Put * Premium: $25.00 (+$1.20, +4.90%) * Position: 1 contract, Cost: $36.00, Current: $120.00 * P/L: -$1,030.52 (-28.6%) **AFRM** \- Jun 17 '27 $60 Put * Premium: $9.75 (+$0.45, +4.62%) * Position: 2 contracts, Cost: $9.95, Current: $90.00 * P/L: +$48.97 (+2.46%) **PLTR** \- Jan 15 '27 $160 Put * Premium: $34.00 (+$0.45, +1.32%) * Position: 2 contracts, Cost: $31.75, Current: $90.00 * P/L: +$563.97 (+8.88%) **CVNA** \- Jun 17 '27 $220 Put * Premium: $30.95 (+$0.525, +1.70%) * Position: 1 contract, Cost: $30.35, Current: $52.50 * P/L: +$111.98 (+3.69%) **CVNA** \- Dec 18 '26 $200 Put * Premium: $19.20 (+$0.35, +1.82%) * Position: 1 contract, Cost: $18.55, Current: $35.00 * P/L: +$99.48 (+5.36%)

Unlucky-Public-2704

I though he liked AFRM, so buy KLAR?

Particular_Ad_3046

It’s not, KLAR is most focused on everyday transactions they have more customers than AFRM, KLAR is more focused on short term and they underwrite everything themselves AFRM doesn’t

Particular_Ad_3046

I believe because it’s European and the public is not as familiar with it but it’s a better business model than AFRM

LifeEfficiency8272

I like AFRM a lot, especially now they turned profitable so they can shrink that 500p/e. I like KLAR because of there’s that immediate upside that it may never retrace to. Gotta pay to play tho and scared money don’t make money

SliceGash

It’s undervalued vs AFRM. I bet it’ll get to $80 soon

shakenbake6874

they do less revenue than AFRM and are valued like 10B more at this point. KLAR is gonna bleed for weeks just like all the rest of the IPO's this and last month

LabyrinthLayers

AFRM $90c 17 Oct looking at me funny. Cheap drag down on Klarna bullshit

24-7Trader

If you compare AFRM to KLAR, pretty close, but AFRM is worth 10 billion more. That means, KLAR is undervalued or AFRM is overvalued

cbusoh66

So let me get this straight, Klarna ranks behind Paypal, Affirm, and Afterpay in market share and people think they're on to something special? If you want a pure BNPL play, go buy AFRM, at least they got all the top retailers: Amazon, Costco, Apple, Walmart (though Klarna has a deal with OnePay), Lulu, Target, Booking, Expedia, you name it. Klarna, well, you can finance your burritos from Doordash...

maiz42-

Never heard of AFRM, Chad it is

Metacog_Drivel

Klarna CEO is a hot chad while AFRM CEO is an autistic dweeb... I think I'd bet on the autist tbh.

judgefriendlyhand

AFRM > Klarna