Reddit Posts
🔥 PayPal (PYPL) - The Comeback Play! 🔥
AFRM and BNPL stocks are just bets on financial literacy remaining low this holiday season. Bullish on regards.
Haven’t seen anyone else’s $AFRM gains, is everyone missing this regarded run??
More US shoppers tack on buy now, pay later debt for Cyber Monday. (AFRM calls!?)
By now pay later orders up by 72% this Black Friday. $79m more revenue. Does $AFRM moon tomorrow?
AFRM EARNINGS CALLS/ PUTS Thoughts?
1.5 year follow-up on buying the dip on pandemic stocks
Is $AFRM stock a p&d? Up 45% in a week
AFRM is the Easiest mid-long term buy right now
Paypals New Ceo could be original Founder Max Levchin
Time to build a crap stock portfolio?
Why has the share price of Affirm Holdings done down in the last year even though the pay-later-get-now concept is more popular than ever?
How Shopify ($SHOP) 'shape shift' made e-commerce firm attractive again
Feeling stuck - if I just close my eyes for a decade will it all work out? Or would you act now?
$AFRM held VWAP zone support several times today, the daily is holding multiple areas of support making the name interesting over the next few days
$AFRM daily levels are holding the previous support zone, super interesting daily for the break.
2023-02-16 Wrinkle-brain Plays (Mathematically derived options plays)
Affirm stock cut to Equalweight at Morgan Stanley on overly large ambitions (NASDAQ:AFRM)
Hot Stocks: AFRM, BAX drop on earnings; CSII jumps on takeover deal; HIMS soars on upgrade
analysts are full of crap, and overpaid. what are some analyst scams you've seen lately?
Earnings short to make your adicks and aclits AFRM
Investors Lose Trillions As Founders Run 16 Stocks Into The Ground
XOM puts and SHOP calls to replace AFRM puts. 👩🏼🏫
Got some AFRM and NVDA puts after learning about options trading last evening. 🤷🏻♀️
$AFRM 17% short interest of float. Epic squeeze explained.
Issues with the BNPL futures? - $AFRM, $SQ, $PYPL, and others
Bears come out to play Once of every 15 years, usually for less than a year then go back to hibernate, are you going to adjust your tin foil hats? Let them eat your watermelons and bananas while you eat red crayons. I am using my plans to Tendie Town!
$AFRM CEO actively looking to make an acquisition. Here's why it will be $KPLT for a 10x.
$22.5 puts on $AFRM. Got them a few days ago. Do I hold over the weekend or sell at open? Position in picture
Only +142% more to go before green on SOFI 🥴
I called $DAVE and $SBIG this week, now I'm calling $KPLT. Fintech despac primed to bounce off this bottom. REVERSAL DD INSIDE (potential SQUEEZE play)
Why aren't lending/loan companies like UPST doing well during this inflation period?
$HEM the stock with inexhaustible profit source
Small caps outperforming, one of the early signs market has bottomed!
$250 in 20 minutes this morning with $AFRM
Russel 3000 inclusion trading discussion
Russel 3000 inclusion trading discussion
If I had a wife she would definitely leave me for her boyfriend (Positions: $AFRM, $U, $UPST etc)
If I had a wife she would definitely leave me for her boyfriend. (Positions: $AFRM, $U, $MVST etc)
Apple (AAPL.US) continues to increase financial services, and its subsidiaries will provide loans in the future
Discover Financial Services (DFS) could be in trouble
$AFRM earnings?- RE-Statement of earnings? -.19 vs -1.23 WTF is this? $60K Short
💰Good morning! #premarket #watchlist 05/13 $TWTR -Elon Musk puts $44bn Twitter deal on hold, $AFRM -earnings, $MULN -earnings, $MYSZ -earnings, $PTE -FDA Designation Granted to SkinTE®, $HOOD -FTX Exchange CEO Takes a Stake in Robinhood Platform ! Check it all in Realtime Stock Screener.
💰Good morning! #premarket #watchlist 05/13 $TWTR -Elon Musk puts $44bn Twitter deal on hold, $AFRM -earnings, $MULN -earnings, $MYSZ -earnings, $PTE -FDA Designation Granted to SkinTE®, $HOOD -FTX Exchange CEO Takes a Stake in Robinhood Platform ! Check it all in Realtime Stock Screener.
Small / Mid-Cap Innovative Tech bottomed and Mega-Cap Established Tech may fall further?
TRADING LOG - 10 MAY 2022 - AFRM 19 AUG 22 30/60 BEAR CALL SPREAD
Portfolio drops significantly
What is your highest conviction long term fintech hold at the moment?
Intuitions are loaded to the tits on stock they tell us to panic sell - over 90% ownership of share outstanding in these growth names - $VRM , $MRVL , $RBLX , $DKNG , $AFRM , $UBER
How Retarded am I? A Short Story of Poor Choices
Cash App Is King for Block Stock. A reacceleration of growth in the payments and neobanking app is reigniting investors’ faith in the fintech darling. Markets appeared to have lost faith in the hypergrowth potential of financial technology, with stocks such as Affirm, AFRM 1.24% Block and PayPal PYP
Come back confirmed 🥳🚀🚀🚀 https://imgur.com/a/HRhxLHD
AFRM broke lower. I suspect the stock to trade in the mid 30s.
Affirm (AFRM) is now down over 40% in the last 24 hours - anyone bullish?
Mentions
AFRM puts, gonna see a fed rate increase and everyone will shit pant. Also war ain't over and market won't keep coping like it did today
AFRM stock said BNPL customers are very engaged and spending. When asked about delinquencies he said they monitor this in real time. Every day they check for any changes or trends that people are defaulting. He said no. Which coincides with big banks reporting same thing. Consumer charge offs are actually stabilizing. Even credit cards.
From a value perspective, SOFI is the best atp. It sold off heavily post earnings. If it happens to get added, that could be the stimulus it needs to get back in the 20’s. Just a thought. Woth a PE of 67+ and an EPS of -$0.21, I’m not convinced AFRM is a good risk/value. VRT has already had a strong run up this year. PE of 73+ is high with a EPS of 3.41. Not my kind of entry point.
I’d be surprised if Reddit gets the pick. It’s not your typical S&P company. Most S&P companies have a products people buy although the trend is changing. SOFI does fit the recent trend of modern banking and trading platforms like Robinhood. I hadn’t thought in that direction, but it could be a contender. Rebalancing of the S&P occurs quarterly on the third Friday of March, June, September and December, so 2 weeks to go. A lot can happen in 2 weeks. Tough call. Vertiv seems more of a NASDQ type company… growth is highly dependent on data center buildout. Affirm Holdings, AFRM, has a chance. Their business model is popular and growing. The whole buy now, pay later trend is very popular with the younger generations and AFRM has big growth.
Oh I forgot I had a big position in AFRM I'm broke now and forgot it 😭
Is SEZL better than AFRM
Anyone here looking at AFRM for a long term play?
I’m not even long. I like AFRM much better. But yes it’s accurate from their quarterly earnings just released which is the subject of this post. And ‘early customers’ really? They’ve been in business for 21 years. Want to try something else and see if you can go 0 for 3?
No position or interest in either but AFRM's topline growth is nearly double KLAR's on a TTM basis. AFRM has also turned the corner and is profitable while KLAR's net losses are growing. AFRM deserves higher multiples.
I have 700 @ AFRM. old stock, RSUs from prev employer. What should I do?
I need AFRM AT $27 TO BREAK EVEN BEFORE 2/20
Given that HOOD and APP are so beaten up, they shouldn't end up like AFRM or RDDT this week when they report stellar results next week? Or... could they?? 🤔🤔🤔
Every single fintech stock. AFRM, SOFI, UPST, HOOD, COINBASE
Bought Sofi Hood AFRM and NU on the dip
AFRM reports later today. Buy now pay later...
AFRM shot up after earnings the past two quarters (15% and 13.8%), and some analysts are saying that they think tomorrow's earnings after close might be big on upside. !banbet
I'm the only regard in here who is really excited for AFRM earnings tomorrow after market close.
updates: calls: **PTC, CMI, IQV** # puts: AFRM, SNAP, RBLX, DOCS
Doesn’t matter. The company itself has a monopoly on small businesses online. They own shop app and integrate with a lot of BNPL services. AFRM should validate this but PayPal’s comments on slowing US retail doesn’t actually apply because more people are using PayPal less but still buying online
AFRM going to pop after Thursday earnings, but high IV
I got myself some heavy AFRM bags today. Let's see what the week brings.
A lot of ppl recommend AFRM calls
If you have itm or atm, there’s definitely no iv crush happening. What’s your next play? I’m long MU and SNDK long term and AFRM for Thursday to gamble on earnings. Much more than PLTR
Makes sense. Speaking of earnings, I think I will gamble on PLTR, AFRM and RDDT calls this week
PLTR, AFRM and RDDT calls. Even Cramer agrees.
Implied moves for this week: https://x.com/vnkumarvnk/status/2017965552942055734?s=46 I’m buying 2-week calls for PLTR and Friday’s RDDT and AFRM calls before the close on Thursday. Maybe I’ll buy RDDT on Monday tho
So Needham comes out yesterday with a big upgrade on AFRM. It can go.up 50% from here!!! Down 6% since. Baggage transfer to retail.
It has a “laughable” 1.2x P/S ratio because it turns its $1.2B of revenue into $200M of losses. AFRM and UPST are making money.
#TLDR --- Ticker: PGY Direction: Up Prognosis: Buy Shares & Feb 16th $26 Calls Catalyst: Earnings on Feb 9th (Expected 4th consecutive profitable quarter) Logic: Post-SPAC "Red Wedding" survivor. Pivoted from holding risky debt to a low-risk, fee-based "tollbooth" model. Trading at ~1.2x P/S while peers (UPST/AFRM) trade at ~6x.
Bers using AFRM 24 month financing for door dash tonight.
That will be $12.28. Would you like to use AFRM?
I badgered Gemini for 30 minutes and came up with this to make 10k in CSP premiums between now and March 20th: TSLA 1 425p PLTR 1 165p HOOD 1 105p RKLB 1 90p AFRM 1 70p PATH 17 13p CLSK 19 12p So that's how I'm planning on bag holding all that shit come end of March
This right here. They have a lot more competition in the space they used to dominate. Apple’s deal with Affirm to provide pay later services made AFRM really take off around the same time that PYPL stagnated.
At one point in 2021, fintechs like PYPL, SQ (now XYZ), AFRM, UPST were all the rage. Some of them reached $100 and $200 billion caps. The similarities to some of the overhyped and the overpumped stocks today are eerily similar. A year later, they all lost 70-90% of their values and some of them never reached the ridiculous 100x sales multiples we see today.
I like AFRM, SHOP, Googl, LLY, CAT, NVDA, ONON. There’s more but I like adding to these on pullbacks.
Why the fuck is Affirm down 5%??? If credit cards are going to lose customers wont people get credit from AFRM at 0% APR?
Yup, good for fintech firms like SOFI, UPST and also for buy now pay later like AFRM, ETC
Ok for sure though my AFRM puts were going to be -70% at open but just sold for 250% (77P 1/16)
dat AFRM/SOFI reversal GFC 2026 wen
XYZ, AFRM, KLAR, PYPL going up?
yes, same reason AFRM and KLAR are up, alternative credit to credit cards and americans can't live without debt due to wage stagnation
Stocks like SEZL / AFRM up 4%, anyone know why?
All in AFRM on Monday premarket
Garnishing wages for student loans is not bullish. AFRM FLEX Klarna are solid plays though.
AFRM... 100 here we come!!
Affirmed by profits with AFRM!!!
Gonna say it again AFRM baby!!! going over 100 before earnings bois!!! You heard it here first... if you like money you buy!!!
!banbet AFRM 100 40d
Gonna say it again... AFRM affirmative for 🚀, hope you listened to me prior!?
If I use Affirm to buy AFRM calls, is that considered insider trading?
The predatory lending thesis is sound but the stocks don't work: **BNPL Reality:** - Klarna: Private (can't buy) - Afterpay: Acquired by Block (SQ) in 2022 - Affirm (AFRM): **Still unprofitable** after years of operation The problem with "predatory" fintech is they're competing on customer acquisition, not milking existing customers. They lose money on every loan trying to grab market share. **Compare to actual predatory lenders (payday):** | Ticker | Company | Op Margin | Business | |:-------|:--------|:----------|:---------| | CURO | CURO Group | -15% | Payday lending | | WRLD | World Acceptance | 8% | Subprime installment | Even traditional payday lenders have compressed margins due to regulation. **The better "predatory" play:** Credit card companies (V, MA, AXP) that make money on interchange + interest. They're the actual winners of consumer debt - 50%+ operating margins and no regulatory pressure on their core business. Visa (V) has **67% operating margins**. That's more predatory than any BNPL app.
AFRM or DKNG... gonna kill it!!
AFRM is affirmative for 🚀
AFRM is finally rippin' and to think i lost my ban bet on them friday and today this!?
All BNPL. If you aren't investing in people that let you mortgage your quarter pounder, you aren't doing this right. $AFRM, $KLAR, $UPST Now you need debt companies that collect on your bad burger debt. Look at Portfolio Recovery. They are one of the biggest. However, what you are really missing is the banks themselves... the pill farm companies keeping people hooked, and big Media. Finally, stack up on the companies lining up to support unfettered war on companies control across the globe, private detention here in the states, and spacs with political connections.
AFRM - always referred to as a meme stock, hit profitability for the first time in 2025, then beat expectations again the following quarter. Disclaimer - I worked there for 5 years, fully vested my equity, and still hold over 80% of my shares. So I’m biased, but it’s an educated bias. I witnessed a lot internally. 2026 will run more in my opinion - though I no longer can see what’s happening inside.
!banbet AFRM 100 60d
AFRM, APP, MU for now You got to stay flexible and pivot as needed but I tend to stay with \~10 stocks in the watchlist and watch the price movement, look at news alerts, analyst price targets, earning release transcripts, etc. Stockanalysis dot com provides really good info on analyst targets and history
This year, it was AFRM, APP, CRWV, NBIS, ONON
AFRM should be free money
I gave it to you again today!? AFRM and DKNG... Thank me later!!
DONT SAY I DIDNT TELL YOU!!! AFRM and DKNG... its literally just free money into Feb/March 2026!!!
AFRM and DKNG will be up bigly in 2026... make this post baby!!
!banbet AFRM 80 10d
PYPL VS AFRM , pair trade they said. fml
I betcha people are using AFRM a lot this holiday season.
I FOMO'd on AFRM. Lawd help me.
Damn, I wish someone fucked me over other than AFRM
Affirm (AFRM), Klarna (KLAR) and Sprouts Farmers Market (SFM)
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?
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
At this rate people are gonna use buy now pay later just to eat. Calls on AFRM and KLAR.
I bought 1/2026 AFRM calls that are down 40%. What would you do?
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!
Coincidentally AFRM was also given some good words in Barrons as a top pick in the retail space.
I have SHOP. Had RBLX but sold months ago at $105. I also like AFRM.
📈 Stock Tip of the Day: AFFIRM ($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*
MP, AFRM and UBER on their way up again.
December setup looks clean AFRM watching closely
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.
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
My AFRM bag is heavy bruh
AFRM usually do well this period. I might just load some more and walk away till late December.
Every time I go out to eat It’s I am down like $160k on AFRM
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%|
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
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