AFRM

Admirable-Grass9225

BULLTards Calls Followed by AFRM Puts to end the week with Chef Kiss 👄👄

DayTrading305

SNOW last night; AFRM today. https://preview.redd.it/upckfj7nbrlf1.png?width=141&format=png&auto=webp&s=2cd3530b3afbef77fd2a66f240fec80c737628e9

TheBigFrank666

AFRM earnings, anyone ?

OptionsHuduga

AFRM calls

DressPrestigious7088

What do we feel about AFRM earnings this week?

billyd1984texas

AFRM and FLeX because pay later schemes are the next gold

Significant-Zebra-17

AFRM calls, but now and pay later is a hit in this economy BUT now with a huge possibility of EMIs falling off.

OmegaThree3

did it do that last time? Down 15%. Affirm (AFRM) reported its first GAAP profit in Q3 2025, demonstrating positive profitability trends, although its trailing-twelve-month profit margin remains negative. The company's success in growing [Gross Merchandise Volume](https://www.google.com/search?cs=1&sca_esv=bd4826c8ba41a3de&sxsrf=AE3TifNzu7_j86lv_GaGczsbDn3zbLlfvw%3A1756113000008&q=Gross+Merchandise+Volume&sa=X&ved=2ahUKEwj85JTczqWPAxUhEVkFHdHqDGAQxccNegQIBBAB&mstk=AUtExfDeN4qhFJVndwvgjJTfyr9zY_fz677FTB_4NzfCSOtRHWyenetAnK_LMrZS8GpeoDbSeODxvTAHrtR85nDqBw2e3vKfrZOTDiSAP90K6kF7vyrjgwo2piBKOn7bUFkh7L8YbuWYhUob4tkd1JwW6fwYXLL9SxUxEPwT8XkCXZ04JncaHhkhNpz4dPjtc6YSPIowki9T54yct5NWlMTWSoO8P_Z6YYRU8ctl8w_stPfYTac9HiDmiv0ouHq0pWLm6_Imjf48OMBJGUVUac8koPWkSIpANZ1EmDP5iJlGueqU-nqgB6CPj60je0rgZbZSa3zwKpQwkK3pyJjMjfyyguDF7tu8-oNFDEioB5o5PAjF&csui=3) (GMV) and [interest income](https://www.google.com/search?cs=1&sca_esv=bd4826c8ba41a3de&sxsrf=AE3TifNzu7_j86lv_GaGczsbDn3zbLlfvw%3A1756113000008&q=interest+income&sa=X&ved=2ahUKEwj85JTczqWPAxUhEVkFHdHqDGAQxccNegQIBBAC&mstk=AUtExfDeN4qhFJVndwvgjJTfyr9zY_fz677FTB_4NzfCSOtRHWyenetAnK_LMrZS8GpeoDbSeODxvTAHrtR85nDqBw2e3vKfrZOTDiSAP90K6kF7vyrjgwo2piBKOn7bUFkh7L8YbuWYhUob4tkd1JwW6fwYXLL9SxUxEPwT8XkCXZ04JncaHhkhNpz4dPjtc6YSPIowki9T54yct5NWlMTWSoO8P_Z6YYRU8ctl8w_stPfYTac9HiDmiv0ouHq0pWLm6_Imjf48OMBJGUVUac8koPWkSIpANZ1EmDP5iJlGueqU-nqgB6CPj60je0rgZbZSa3zwKpQwkK3pyJjMjfyyguDF7tu8-oNFDEioB5o5PAjF&csui=3), coupled with improved margins, indicates a shift toward profitability, with analysts generally holding a positive outlook on its future growth

backcountryJ

CRWV AFRM RKLB KC and of course UPXI

OptionsHuduga

AFRM calls. Thank me later.

JustCan6425

Implied moves: [https://x.com/OMillionaires/status/1959249952875667474](https://x.com/OMillionaires/status/1959249952875667474) Personally, I'll hold NVDA shares, buy SNOW ITM calls and figure out the play with AFRM

kiwi_child2020

AFRM

RectangularPizza

AFRM calls. All summer people been ripping those buy now pay later purchases

Admirable-Grass9225

AFRM puts ez money. this shit stock always crash after publishing their earnings.

Normal-Phase-1252

Shorting all the buy now pay later companies, UPST, AFRM, PYPL, XYZ default rates must start rising right?

OptionsHuduga

AFRM

HelpingForDoughnuts

My BNPL Short Target List (when the time comes) ## Primary Targets: **AFRM (Affirm)** - Most vulnerable - Trading at 80x revenue (insane) - Peloton partnership collapsing - Amazon could drop them anytime - Highest default exposure to discretionary spending **UPST (Upstart)** - Not pure BNPL but related - AI lending model breaks in recession - Already down 95% from peak but more room to fall - Banks pulling back from partnerships ## Secondary Targets: **SQ (Block/Square)** - Afterpay exposure - Afterpay was a $29B mistake - Core payments business solid, but BNPL will drag it down - Better as puts than short (high borrow cost) **PYPL (PayPal)** - Pay in 4 exposure - Less exposed but still vulnerable - Better companies to short first ## Avoid Shorting: **AAPL** (Apple Pay Later) - Don't fight Apple **AMZN** (Partnership with Affirm) - They'll cut Affirm loose, not hurt themselves ## The Play: AFRM puts dated 6-12 months out when: 1. Unemployment crosses 4.5% 2. First BNPL bankruptcy announced 3. Consumer credit card delinquencies spike Currently 25% short interest on AFRM = crowded trade. Wait for squeeze first, then short. **Not financial advice, just my watchlist**

HelpingForDoughnuts

My BNPL Short Target List (when the time comes) ## Primary Targets: **AFRM (Affirm)** - Most vulnerable - Trading at 80x revenue (insane) - Peloton partnership collapsing - Amazon could drop them anytime - Highest default exposure to discretionary spending **UPST (Upstart)** - Not pure BNPL but related - AI lending model breaks in recession - Already down 95% from peak but more room to fall - Banks pulling back from partnerships ## Secondary Targets: **SQ (Block/Square)** - Afterpay exposure - Afterpay was a $29B mistake - Core payments business solid, but BNPL will drag it down - Better as puts than short (high borrow cost) **PYPL (PayPal)** - Pay in 4 exposure - Less exposed but still vulnerable - Better companies to short first ## Avoid Shorting: **AAPL** (Apple Pay Later) - Don't fight Apple **AMZN** (Partnership with Affirm) - They'll cut Affirm loose, not hurt themselves ## The Play: AFRM puts dated 6-12 months out when: 1. Unemployment crosses 4.5% 2. First BNPL bankruptcy announced 3. Consumer credit card delinquencies spike Currently 25% short interest on AFRM = crowded trade. Wait for squeeze first, then short. **Not financial advice, just my watchlist**

HelpingForDoughnuts

Yes, there's a bubble forming, but shorting now is premature. ## The bubble signs: - **No credit checks** on most BNPL = subprime lending 2.0 - **Debt stacking** - people have 5+ BNPL loans across different apps - **Default rates rising** - Affirm's delinquencies up 30% YoY - **Regulatory scrutiny** incoming - CFPB already investigating ## Why not short yet: - Growth still strong (AFRM revenue +48% last quarter) - Consumers still spending - No recession yet = defaults manageable - High short interest already (25% of float) ## The real risk: When recession hits, BNPL gets defaulted first (you're right): 1. Mortgage (keep house) 2. Auto loan (need car) 3. Credit cards (need credit) 4. **BNPL dead last** (no collateral, minimal credit impact) ## Better play: Buy puts 6-12 months out when we see: - Unemployment spike above 4.5% - Consumer spending decline - First BNPL bankruptcy **TLDR:** You're right about the bubble, wrong about timing. Wait for macro deterioration first. The unwind will be violent when it happens.

Sharaku_US

This is probably the best advice. I've once again cashed out most holdings, the economy is on the brinks and my neighbors are being laid off. The fact that AFRM is gaining is not a good sign.

Wrong_Eggplant

AFRM has been undervalued for the last few years and is started to maintain a floor of 70+ Just launched in Europe and have a ton of stuff in the works that doesn’t get talked about. People also default to just calling them a doomed meme company because they think they are just BNPL/layaway product. CEO is former PayPal mafia. They have an over 200+ size ML/AI engineering org, 1000+ engineers company wide, hundreds of open roles on their careers page - do with that what you will.

Euphoric-Magazine300

AFRM, BA, BRK.b

kram0786

Usually, I like to have more, especially if a stock I like drops so I can open a position. Friday AFRM dropped over 5% so I had to jump in lol

DollarBillAxeCap

Do y'all use SOFI, PYPL, AFRM, XYZ, PINS, RIOT? Is SNAP coming back? 😂

indycpa7

I work in a DTC business, PayPal is dying but AFRM transactions growing double digits month over month

billyd1984texas

AFRM and FLEX have been great low key growth tickers. As tarrifs kick in theyll keep pumping.

765cc_Triple

Any news causing AFRM to sink like rocks?

765cc_Triple

The heck is going on with AFRM?

DARBDS

Good entry point for AFRM rn

Cosmic-traveler----

AFRM

rando9999912

Finance companies for poors: Dave -21.5% UPST -14% SOFI -1% AFRM flat BULL 7.5%

rando9999912

Who here actually uses AFRM

Fountainheadusa

Thanks, but I took my profit and exited, moved on to AFRM, I think that has a better future, less risk for sure.

TheWeebles

had pltr at 16 but sold it. held \~8000 shares of AFRM once at like $12.5 cost basis but sold off over time

Warningyouthistime

I told you all last week about AFRM

Warningyouthistime

AFRM

Warningyouthistime

Sleeping on AFRM

Status_Following_796

Chyme seems like it could be the next recent IPO darling. Trading at a discount to many of its fintech peers like Dave. From JPMorgan recent initiation report at overweight: Chime shares currently trade at \~9x our NTM transaction profit estimates, slightly below what we identify to be its primary comp group (AFRM, DAVE, SOFI). We think there’s opportunity for shares to trade higher over time given the premium value assigned to consumer-oriented, spend-centric names like SHOP and TOST, though we take a more conservative approach near term, especially considering Chime’s lack of profitability (trades 157x our NTM EBITDA) and public market history.

donfonz

AFRM has been a god damn frustrating stock to watch this past month

Holiday_Guess_736

AFRM Stock My Analysis I've just re-entered trading, and I've been out of it for a year. This is my analysis. I see a cluster at 65, FVG, a medium-strength support zone, and the RSI indicator. This is my analysis of the stock. If anyone can help me or share their opinion, please let me know. I accept all opinions, even if they require modification. Thank you. https://preview.redd.it/j8neyszsbfef1.jpeg?width=4080&format=pjpg&auto=webp&s=45cd4b70dc92f13e1841a770b613858e30ada5ab

765cc_Triple

My revised plays of the day. Bought shares of $PEW at $21 Calls on: $RBLX $AFRM $MP $METC $UUU $OSCR 1DTE puts on SPY

billyd1984texas

AFRM fell wtf

dtn8

AFRM dying

DrPuzzle

AFRM getting fucked rn

Drinkablenoodles

You're long AFRM. Really grinds my gears when people say "I'm long or short ON xcompany"

callsonreddit

Sold AFRM and ORCL pre-market.. gonna hold my SOFI Any good long day trade ideas?

callsonreddit

Hmm.. I feel like CVNA, SOFI, AFRM, RUN are easy money now.. there must be a catch

blm4lyfe

I sold ASTS and AFRM last month for UNH. Worst mistake this year. Could’ve been up $80k but got a $2k instead 🤣

RainieY

I have a disastrous/wide history with stocks. I started buying stocks in march 2022 and by the end of summer/september I was 170k on NVDA and 15k MSFT. It was before chatGPT and it all started after I watched a documentary about google deepmind called AlphaGo. I had strong conviction since watching that documentary about the future of AI but I didn't make the connection to NVDA until 2022 and my conviction solidified and I all-in'd after the initial restrictions of NVDA chips to china in 2022, which made the stock crush at the time but made me all-in it. I rode it all the way until January 2024 where I sold NVDA after it stagnated for 6 months prior, incredibly dumb, not because I didn't believe in it but didn't have patience and had become greedy. By that time my portfolio was around 420k. I bought several stocks with the money, about half was SMCI (50%) and the rest was PLTR (25%), UPST (12.5%), AFRM (12.5%). I ended up selling PLTR after a good profit (around 40-50%) shortly after when I thought it was overvalued, and not too long ago sold everything and all in'd SMCI and rode it down to disaster. I pretty much lost all my gains or close to all my gains since 2022 because SMCI fraudulent earning reports. I injected more money, around 300k at the end of 2024 after refinancing a property. However, since 2022 I've also withdrawn money many times, probably around 100k to 150k. According to my yahoo portfolio tracker Im at +91k unrealized PL and +161k realized PL today from all the transactions since 2022 which could be accurate considering I invested around 200k in 2022 and another 300k in 2024 and withdrew 100-150k and my portfolio is currently at 640k. If I was in my original self, I'd all-in AMD but I learned my lesson with SMCI. I didn't average into my stocks, I all-in'd every time or sold one stock completely and bought another stock with all the money so it's difficult to give you the real price, but my current price for AMD is around 102$ and NVDA 126$

BorisAcornKing

I have recently (a month or so ago) exited a number of positions and bought back in, as I needed to adjust my portfolio for a down payment on a house, and am migrating over to more of a dividend portfolio. AFRM (+50) FEZ (Euro Stoxx 50 ETF) (+4) SCHD (+3) (new within last month) BBD.A (+50) (new within last month) COF (+20) (new within last month) TECK (+13) (new within last month)

BorisAcornKing

> "44% of all US stocks ever have experienced a catastrophic loss of >70% which they have never recovered from" Besimbinder ASU This is true. But as someone who has a fair amount of equity in AFRM (120k+ usd, more to vest), a catastrophic fall does not mean there isn't substantial value to be gained. It's just that some stocks get ridiculously over inflated in value. A few years after IPO, it has recovered about half of the way up - but of course I only started getting that equity after it dropped. The statistic doesn't mean a whole lot without a time period. The MSTRs of the world will mint a new wave of these catastrophic falls at some point, but lots of people have made a lot of money on it.

BuySlySellSlow

While losing $2,350 per month trading options on AFRM. 😉

ClandestineGK

Let me guess, $2350 monthly through AFRM?

ChineseTuna420420

IBKR looks like a technical breakout. AFRM looks strong too. Calls!

Reasonable_Sundae325

If I was you, I would swing trade shares. Nuclear stocks, financial sector (UPST, AFRM), and a few others have been seeing good inflows. Not financial advice just what I would do with a good ol stop loss. It’s not as fun but you will actually grow your account faster. But again, not finial advice, just what I would do. 😇

-IQ200

Hypothetically, a way to pump AFRM. We all take out the largest loan Affirm will offer, throw it all into 95c weekly & send a screenshot of position to Affirm CEO. Tell him he has to pump the market or he will be liquidated with everyone’s option expiring worthless.

Gloomy_MTTime420

We should be careful here… Peter Thiel has $PLTR, which tracks shit. Elon has X, SpaceX, $TSLA and most importantly here…Neuralink Max Levichan owns $AFRM which allows everyone to pay by credit. David Sacks is working with Trump on the $BTC treasury or S.4912 - Bitcoin Act of 2024 https://www.congress.gov/bill/118th-congress/senate-bill/4912/text The guys that built YouTube, now the largest video streaming platform in the world, by a long shot. Reid Hoffman built LinkenIn and sold to $MSFT, where he currently sits on the board. Shall I go on?

Chrg88

$200k in AFRM weekly calls right here. JPOW is cutting

aintmybish

With only 4 stocks, hard to grade, but I'll give it a go. I recommended against SPY given the budget, but not because it's bad. It's fantastic, and I'd still take it over Vanguard and Blackrock's offerings in the same space despite the enormous ground those 2 have made. Solid pick even in fractionals, but it doesn't fit your growth needs or make up for that with dividend accruals. Don't sell it now that you have it, of course, but if the budget is the same for 3-5 years, don't let it dominate your portfolio. NVDA is NVDA. Easy pick to throw money at any time between now and 2035. Only up over time, stock of the decade, no notes. ATOS is an interesting value pick. I definitely think it's a bit undervalued. If you REALLY like them, maybe get 3-28 more shares, and hold for a few years. Even if it's a better value play then I give it credit for, there's better opportunities in pharma over the next year that merit more attention. For sub dollars, ELTP is a gold mine as long as stays under 1.50 (ripe for a buyout in 6-18 months is why), but you need a different brokerage (which you're too new for realistically, but you'll want a better one at some point if you don't flame out) because only the big boys like Schwab and Fidelity will let you take a crack at it. And over in Robinhood land, well, I already recommended PFE. It probably won't stay below 30 but for a year or 2 more. AFRM is....there's really no way to sugarcoat, it's a mistake. Some companies, you don't give a damn that they suck on the consumer end - you're trying to make a buck. Others, them being dookie eventually bites their investors in the ass. Affirm is in the latter camp. They suck, AND there's better BNPL plays if you're high on that specifically. Affirm is capped for the future. Hold it for a year, 2 at the most, then dump it for whatever gains you can lock in. Don't get trapped in this one. If you take nothing else away from this: you're on a fine enough start. A safe bet in SPY, a smart megacap growth play in NVDA, and 2 rolls of the dice, one of those being a penny stock. Until you're proven horribly wrong a shit ton and bevome proof of Dunning-Kruger, try to believe in your gut a little bit. That's how the best investors discover over time what they're good at picking, and the sectors where they don't know shit from apple butter. Side note, I actually forgot to mention in my earlier reply what is probably one of the best stocks you could pick up as a budget investor: ARCC. They're a middleman loan company for businesses that's selective about their clientele, have a very good history, solid fundamentals, a sub-25 dollar stock price, and a jaw dropping 8 percent quarterly dividend. They're a bonkers good stock that won't tank, and should basically be to you for your first 3 or so years what SPY is to seasoned investors with bigger budgets. Ares Capital is a phenomenal way to hold money as a broke boy investor and get some value while you sit on it.

cbusoh66

Circle wants to be the Coinbasr for stablecoins, the jury is still out on whether stablecoins take off, I personally doubt it but the reason it took off is because it does have something a bit special/different. Chime on the other hand is going against much better and more established players (SOFI, PYPL, AFRM, XYZ, etc.) and it doesn't have any special moat to take on those big guys. Having said that, anything is possible in this environment as there seems to be a concerted effort to jump into new IPOs before lockup and before options and drive the stock up; if you know when to get in and out, you can make a pretty penny. Most everyone though will not.

ksunk8

Any recommendations right now lol? I stupidly bought into ATOS thinking it would go over a dollar, but now it’s flatlined lol. Gonna dump those for a few bucks and then maybe half of my SPY or AFRM so I can reallocate those 5-6 bucks to something faster moving forward the time being.

ksunk8

I already put about 75% of my money on SPY and it's been growing steadily. The rest is on GOOGL, NVDA, AFRM, and all have been good to me. But its the penny stocks and gambling I would like to learn a bit more about.

ksunk8

This is super helpful thank you! The firstt thing I did was take 75% of the money and put it on SPY, then I spread the rest out between AFRM, NVDA, GOOGL and its doing well, but obviously its a tiny tiny tiny amount of money/profit, very low risk. I would like to play around more with penny stocks though and try an and gamble a bit lmao.

blm4lyfe

I can’t believe I sold ASTS and AFRM last Monday

Beneficial_Matter424

AFRM trading 54.06 this second. You can get the Jan 2027 $30p for less than $6 right now. I'm not saying it's a trade I'd make - just giving OP perspective.

BigusTranchus

I would take some profits for sure. Meteoric IPOs almost always come down to earth. Take a look at the charts for QS, UPST, AFRM, HOOD, ZM, etc. These all flew way above what was a reasonable P/E and some don't actually have the E. Point is that this has a very high probability to come back down.

justinwtt

can we buy a gold bar from Costco with AFRM financing?

Blooblack

u/Beneficial_Matter424 Very interesting reponse. But referring to your AFRM example, if a stock (i.e. the actual underlying) is trading at $30, how likely is it that you will be able to buy a put on the stock for $6? Just asking for all the newbies out there.

Beneficial_Matter424

Don't let these guys discourage you over the term naked. Yes, if a stock goes to 0, and you own a "naked put" as in, you aren't buying the put to protect owned stocks, you can make money. But as with any option, it's all about the speed of the move relative to your strike. If you own a 6/30/26 $5 put on ABC, it's max return is 5. So if you pay 4 bucks, bad trade; you get it for $0.20, good trade. But, for example, maybe you grab the AFRM $30 for $6 (this is down for maintenance, idk actual price) and it goes to 0? Good trade, you cash out at $30. Pick the right stock, stick to your risk, be willing to hold it. Nfa and good luck. Post an update if you take a shot

thestudmffn

AFRM, NVDL, GME, and VRT calls are kicking ass

pineapplekiwipen

I don't know when the recession is but shorting the shit out of AFRM soon

get__good

Short $AFRM

Affectionate-Tie6313

You can get a mistress on AFRM now?

Mean-Evidence-4056

So higher yields is good for AFRM, i see. Priced in i guess it was. Why do i even try to understand

robertncm

 SEZL deserve it, it was attacked by a short report back then. tank it from 490 to 250 . good fundamental, best BNPL stock, compare to AFRM trash .

the_macagameianut

As soon as we get into the gap fill, all in. Otherwise, waiting. And maybe shorting AFRM or DECK while waiting.

Redditfortheloss

Anyone else print with AFRM puts today or just me? I tried give yall the heads up. 800% and still holding lol

Redditfortheloss

430% on my AFRM puts I posted about yesterday. Only 45% on my pltr tho :(

marrful

AFRM/PLTR calls 

Redditfortheloss

PLTR and AFRM puts will print next week you heard it here first.

Metacog_Drivel

AFRM popping because news hit the wire of a partnership with Costco...this was literally announced during their earnings report and the stock tanked. Now it's big green, lmao. If anybody tries to tell you the market is rational, pls punch them in the face.

Diligent_Fox_9072

Which BNPL service did you use? AFRM ???

Chrg88

Need AFRM at 375

Metacog_Drivel

I was buying the dip on AFRM on Friday and it kept tanking throughout the day so I looked so fucking stupid. Now I smart boy. 

Metacog_Drivel

My largest positions are NBIS, UPST, AFRM, and RDDT.  RDDT kinda ass but that's ok, he'll move when he's ready.

Metacog_Drivel

AFRM and UPST are going to make new 52 week highs this year but I'm gonna need all of you to keep taking out burrito loans. 

radduder

Affirm $AFRM should be a $200 stock. 2025 Financials vs 2021: 📈 Operating Income: +627% 📈 Revenue +222% 📈 Net Income +126% In 2021 the stock was $176 with a $210 PT. Operating income has 6X’ed since 2021. Key Partners: $JPM $V $AMZN $SHOP $GOOG $AAPL $EXPE $BKNG $COST https://preview.redd.it/ndsyyryf370f1.jpeg?width=1236&format=pjpg&auto=webp&s=3f9af23946a8ca81a7cfacaf2a69ac6b1a493dda

radduder

If ‘Luckin Coffee’ $LKNCY can get back to its ATH’s, any stock can. This is how the real money is made.👇🔋 $TSLA $299 to ($488) +63% $AFRM $46 to ($176) +283% $NVDA $116 to ($153) +32% $SMCI $32 to ($122) +282% https://preview.redd.it/6v9pvzog660f1.png?width=2138&format=png&auto=webp&s=3a122bde08e4cb30dcf601beb9649824916baad7

bluen

AFRM drillt

OkAdvice513

AFRM calls now the play?

Ready2gambleboomer

*As suspected my AFRM and AKAM calls did not age well. Fukt,* 

sadassa123

Will buying calls on AFRM at open be considered ghey?

AAPLx4

AFRM dip worth buying?

Metacog_Drivel

AFRM and COIN are going to rally and end green tomorrow 

Sh1ba_Tatsuya

i bought AFRM 49.5p 5/16 exp. i think i still profit despite iv crush?

-IQ200

AFRM announces bankruptcy due to too many Buy Now Pay Later users & none of them are paying back. Company liquidated & with no bailouts available.

Crazy_Donkies

AFRM fucked us.

Spirit-of-investing

How come AFRM falling.I got f-ed 3 times this week…..WHY???

Ready2gambleboomer

*My AFRM calls aged like milk in the Nevada desert. Fuck.* 

Crazy_Donkies

RKLB and AFRM.  What does the market want?