AFRM

czarxander

And literally so many more appealing options this week too. DDOG, UBER, DOCN, AFRM... smh...

Moist_Attitude_6702

Yeah the services I’ve seen are all posting very bearish flow on UPST. But bullish AFRM.

Tokyo_Elusive-love

Is there any reason I shouldn’t go all in on UPST and AFRM calls before the earnings reports again? They’ve rocketed every time over the last year.

Post-Rock-Mickey

Hell naw to AFRM puts. Their margins are narrowing, if momentum picks up. They will see profits. I’ve been following their earnings for the last two quarters, I think they gonna perform

Academic_Degree7892

AFRM is in talks to implement buy now pay later on buy now pay later payments 🚀🚀🚀🚀

Nota-downer

Nope, thinking ANET, AFRM, TEM, UBER rn.

d07wEQr5OSbWujQSIzZI

MCD should partner with AFRM for BNPL Big Macs.

Metacog_Drivel

Empty shelves means you'll be trading more on HOOD and shitposting on RDDT and taking out loans from UPST and buying burrito loans with AFRM and buying dick pills from HIMS while buying fartcoin from COIN. Literally the best recession ever and green forever, amen.

Thats_So_Ravenous

TREE, AFRM, and one other bank offering subprime. I think that I'm actually playing Q3 earnings, so no leap, just trying to time a large write off of debt beginning with the new student loan/mortgage policy changes going into effect next week.

Moist_Attitude_6702

Long AFRM

Euphoric-Magazine300

Nah.... That's not true. AFRM doesn't charge late fees. They will just never give you another loan again.

BigDaddyBain

Affirm Holdings (AFRM) is probably the most popular, with PayPal (PYPL) being one of the largest.

AntonioFly

$AFRM

Swimming_Author_8690

I appreciate your response, and apologize for my lack of clarity. It's really about relative valuation and details in this case. HY is still quite overvalued, and you can use options (puts) to express your point of view for a deterioration in credit, which might result in easier profits. For consumer credit, you can also take a secondary short in AFRM, but that stock has been quite beaten up from its recent high. If Klarna decides to list, you may consider that as a secondary short after the IPO, as it will have a richer valuation. Sezzle is the best short in this space; however, it has no options and is hard to borrow at most brokerages.

16BitApparel

Mainly FAANG / Mag7. Or an oversold or overbought stock that I’m confident just can’t continue at that rate. I will play earnings if I’m confident in a direction, such as I knew BNPL was going to be gangbusters in Q4 so I took $AFRM calls Now that I have greater capital to play with, I will buy ITM options with 30-60D expiration. Unless it’s QQQ which I tend to play much shorter bursts, especially with the tariff volatility

Ant_I_aLittle_Bug

I’ll give you an example to work with and you can paper trade some ideas until you have something you like. Every stock will vary due to the price, IV, and beta but here is how to think about it. Let’s say you bought AFRM today for $49 and immediately sold an ATM call for next week. It was around $2. So you made 4% $200/$4900). That sounds great and as long as the price stays around $49 or higher you can do it all again next week. However, if the price goes down, say to $45 by next Friday, you pocketed the $200 but now when you go to sell another call at $49 strike, so you don’t lose your capital if it gets assigned, that option premium is only $0.45. That means if you stick with that strike you make 0.9% that week. So what looks like “I’m gonna make 4% per week” turns into something lower over time as the stock goes up and down. If you wanted to sell another ATM call the second week at $45 then you risk getting assigned at $45 and losing the difference in your costs basis ($49) and the new strike ($45). That would blow up your plan if you catch a down trend and can’t get out, like what happened that last couple months.

Big_Rub918

My AFRM 41 calls will look juicy at open!

TrophyWifeAspiration

Is it just me or is AFRM at $46 going into recession fucking insanity?

MyCactusTeacher

I will keep shorting AFRM

brush_the_dog

$AFRM Debt slaves = profit

InevitableAd2436

Good question - it’s a mix. Affirm holds onto some of the loans (I’m guessing better credit scores or more profitable loans) and then they sell the rest. They don’t have a bank charter though, so they likely have more expensive warehouse fees in lieu of customer deposits. They have a deal with sixth street, an institutional investor to originate loans on their behalf and likely just take a 3-4% upfront fee with limited risk. SOFI started doing capital light loans dealing as well which has been very profitable with a huge reduction in risk. Theres always risk when you hold onto loans on your balance sheet, but I’m guessing SOFI and AFRM hold onto the more profitable and safer loans, while dealing other loans to institutions that are willing to take on risk for potential 15-25% annual returns.

TheWeebles

I made a post about this lol. But I owned 8000 shares of AFRM at one point. Around half of which I bought \~9-10 dollars post covid (end of 2022-early 2023). Sold CC's at 25 and 27.5, and most of my shares got culled unfortunately

Moist_Attitude_6702

$AFRM

Had_to_happen

Any place with SoftTank origins or a PayPal Mafia Paid-2-FAIL grifter in the Free Shares Club will suffice. Por ejemplo these douchenozzles have already fried $3 Billion to smithereens in a dead end business. [https://finance.yahoo.com/quote/AFRM/?p=AFRM&.tsrc=fin-srch](https://finance.yahoo.com/quote/AFRM/?p=AFRM&.tsrc=fin-srch) License to print $$ for shorts all the way down from $165 and the kitchen isn't closed just yet..

-IQ200

Hear me out: We all load up on AFRM leaps, collectively max out loan & not make payments, artificially bankrupting the company & profit from it. 

WearAutomatic9466

Before close, I bought SQQQ 58c 04/17, AAPL 170p 04/17, AFRM 33c 04/17, PSQ 46c 04/17, VIX 55c 04/17, BABA 97.5p, and PLTR 69p 04/17. wish me luck

Had_to_happen

Not to cloudy up the waters but my own overall thesis has been that AI was 99.975% snake oil for two years now. Seems to have worked out well so far 62% of my Put trades this year result in gains over 100% and I basically slept trough January Looking forward & having sold the Put Cupboard almost bare on Friday; well every non-profit\\barely&recently profitable FinTech is now fair game. Especially the ones who had seriously bet the farm on AI. Ye Olde Growthe Storie is OVA now over for ALL of them and you can take THAT to the bank. So this is where we go now on top of huge scores on TEAM KD ESTC AI AMBA U CRDO AFRM UPST TTD PSTG the festering corpse of FSLY (a gift that always pays out more than the share price move would have indicated & home of my first ever Ten Bagger inside of two weeks. Research is pretty easy when you shorted the same Hype Trash at strike prices 30% lower just last fall. Otherwise the first thing I look at with Fresh Meat is the 52 week low and how far it is from there up to the end of Zero Bid put premium territory. If they are on my list then Upside Surprise is not on the menu, period. Usually inside of five weeks and as short as five days out if I want a piece bad enough. That approach will work for another four months max. *Because the very best thing about the last two weeks was that nobody on my hit list had "earnings" to announce until early May. That made buying them up like a vacuum cleaner much more easy.*

MCU05

I've been buying TTD and HIMS. Would love to start a position in S and AFRM.

lonestar-newbie

like seriously? which growth stock isnt? Its bloody blood bath out there. AFRM went from 90 to 30 in like a month

PigletBaseball

All companies that rely on future growth revenues will get hammered especially hard during a recession. Reduced consumer spending means companies are going to focus on preserving cash flow and balances to ride it out. This means less spending on things like ads that give Reddit revenue. Look at what just happened to fintech stocks like AFRM today.

mskabocha

I had AFRM calls last month that I kept averaging down on and finally took the L at 70% down. And the original investment in those calls was 30k so fml

Soldacki

META won’t but AFRM

pablopabloescobar

on ibkr i got support/resistances zones on idk like 100 charts and today all of them has been put on one chart of AFRM, anyone have the same problem? https://preview.redd.it/bzq857zc6ape1.png?width=1163&format=png&auto=webp&s=c4598de650b3f8c44e99819660f03360726ef95c

Jz-oo7

Bought a 71$ AFRM PUT march 7 expiry on feb 12 for 1.65 sold it for 2.62, it reached 20 dollars before expiry

KegM4n

NVDA is a beast but already had a huge run. AVGO looks promising with the AI push. QCOM's diversifying beyond mobile. BABA has China risks but cheap valuation. AFRM is riskier with higher growth potential.

Mysterious-Device-53

Calls on HOOD and AFRM looking pretty tasty to me. I'm in them. PLTR too, but I'm not preaching on that one.

pman6

yep just like AFRM. i bagheld AFRM since 2021, and finally got out on the recent post earnings pop. Now look at it, losing almost half its post earnings gain

Hacking_the_Gibson

The thing that really bakes my noodle is that this was known for months. META ran like 20% in three weeks in a vertical line straight fucking upwards. Jesus, PLTR was at $125, UPST at $80, AFRM near that. DASH is still inexplicably holding on, I cannot imagine a less recession-resistant business. What the hell is happening?

pineapplekiwipen

When is buy now pay later coming to the stock market I want to buy AFRM with some IOUs 

ManyCommunications

Ngl seeing the AFRM option at some grocery stores is funny 

Metacog_Drivel

That's why we have a company like AFRM to solve all our credit problems 

Metacog_Drivel

AFRM and UPST both closed their earnings gaps. Time to load 

Due-Rain-1051

We’re in the correction now, but remember the deeper the correction goes, the higher the likelihood that we see rate cuts from the Fed. Short term- take a little off the table, maybe de-risk a little, maybe you sold TSLA at $400 and you need to tax loss harvest. Long Term- find your favorite safety names, maybe load up on the names that you think drew down too much, I’ve been loading up on PLtR (currently holding a $75 put option) AFRM, AXON, SPOT are all looking pretty tasty, but again we’re still in the middle of this correction! But hey looks forward for a 2nd maybe 3rd rate cut this year

delayplusreverb

Yeah I’m full porting AFRM because recession or not Americans will continue to buy useless garbage despite having a negative bank account balance

jullax15

Down 10% today…But only 2% for the month. Finally bought AFRM calls on discount. Grabbed some RDDT calls. Grabbed some RDDT shares and NFLX shares. Randomly grabbed some ARCHR shares. Anybody else been watching GRAL? I don’t normally buy health stuff so I’ve hesitated for way too long. I’ve watched it go from 23-52 in like 4 weeks.

W_Malinowski

Just finance your dinner with AFRM

radduder

$AFRM is going to $200. They just expanded their Shopify partnership globally.

optionsCone

AFRM calls. It’s going to rocket

Chrg88

AFRM deeper partnership w/ SHOP 

No-Bear-No

I held AFRM when analysts said they sucked. I sold at $75 after their earnings report and bought RKLB. AFRM continued to moon up to $80 and RKLB sank. Is today the day we turn things around? I sold AFRM. You should buy it. Not financial advice.

Metacog_Drivel

AFRM is going to crack $100 in the following months. Should get close to all-time highs in the next 12 months.

Chrg88

AFRM

Clean-Ad-3835

!banbet AFRM 85 1w

Goundamanii

AFRM

Helmdacil

SOFI and AFRM. If tariffs increase (which I expect) and if we enter a recession (which I also expect); I expect losses in lending companies to become painful. SOFI and AFRM make a lot of money lending $$$ out and receiving interest payments. If defaults increase, creditors will be hit, especially the highest risk/highest reward lenders. But realistically all lenders will be hit; visa, mastercard, the banks. The funny thing is right until the recession, the high risk lenders are going to be getting the best profit. But they will also get nailed the hardest. If it gets really bad, they will have solvency issues. So why do I expect a recession?: 1. Illegal immigrants (10 million) and legal hispanics reduced spending. They are going out less, they are shopping less, they are doing everything less, and many will soon be gone. In hispanic neighborhoods ICE raids have already been scaring the living daylights out of legals and illegals alike. This effect was immediate and increasing in severity. Doors are being knocked on and in, at 6 in the morning. Why pay your bills also, if you are getting deported? What value does credit score in the USA have if you are no longer there? 2. Tariffs. goods from china are at least 10% more expensive. Looks like many goods which cross the US/china border multiple times (some computer chips) will get amplified expenditure increase. People are already complaining about AMD and NVDA graphics cards prices for example, for gaming. People will keep using their old items longer, rather than buy new. Steel 25% tariff means cars (new, and thus and used) are getting more expensive. People will defer buying new, people will buy used more, people will hold on to their clunkers longer. Add that in with reduced used car supply from the manufacturing disruptions 3-4 years ago. EU is coming next. And I really still think mexico and canada are coming too. 3. Counter tariffs. US firms will sell less. Are selling less in china already. Big market. 4. Government spending decrease: layoffs. Lots of government workers have lost their jobs, and more appears to be coming. People laid off go to restaurants less, buy fewer things, go on fewer vacations. 5. Government spending decrease: tax incentives evaporating. The EV tax credit is disappearing. Lots of programs for building new infrastructure (providing jobs) in the USA are being delayed, stopped, or never started in hte first place. From the mail delivery machine orders being stopped and likely cancelled. To the 6. Government spending decrease: grants. Grants from US government agencies are stalled or lagging. Those grants allow the purchases from US corporations; Thermo fisher, Danaher. New England Biosciences. Illumina. Already the NIH has allocated 1 billion dollars less in 2025 relative to last year. This trend will increase, especially with expected gutting of major departments. NSF is likely to face 50% spending cut. 7. Uncertainty. Companies do not know what is going to happen in the next year. When they don't know, they have to wait and see. Be defensive. Almost all the things DJT is doing is inflationary in prices and at the same time reduces consumer spending. Its kind of laughable how stupid the guy is. And I have to egg him on. It is only if the american people feel pain, real pain, that they will awake from their stupor. So many companies selling direct to consumer are going to suffer. But especially I expect the riskiest lenders to be hardest hit. It will take 6 months for these things to fully affect the market. And another 3 months for the quarterlies to come in. I expect headwinds to the SPY in September-October, By next january at the latest.

Major-Championship14

HOOD and AFRM to the Moon

UNEXPECTED_PREQUEL

800 UPST @ 83.76 1745 AFRM @ 69.97 I trade post earnings drift

3xil3d_vinyl

I made a list post election and some of these stocks have increased over 50%. $GE, $HOOD, $RDDT, $PLTR, $HIMS, $AFRM

breakyourteethnow

Buy it back first thing in the morning so if price keeps running like Uber, NET, AFRM last week I gained so much more intrinsic value. Read the ER, if it's crazy good and there's big pop market will follow-through the next day so I unlock short legs immediately at open.

ComprehensiveKiwi489

All the high interest lenders (AFRM, UPST) doing really well. Big banks (who also regularly charge customers 20-30% interest) at all time high's...Payday / usury lenders at all-time high's...Consumer debt at all-time highs (because people are forced to buy essentials on debt). Seems like this will all catch up with us eventually, or soon...

ComprehensiveKiwi489

All the high interest lenders (AFRM, UPST) doing really well. Big banks (who also charge high interest) at all time high's...Payday lenders / above usury rate lenders at all-time high's...Consumer debt at all-time highs because they have to buy essentials on debt. Seems like a healthy economy.

ILoveThiccBitchez

AFRM-Day Trade idea. Seems all the Buy-Now-Pay-Later companies has a great Q4. Since the positive reaction to the last earnings report, we’ve been contesting this $78 level. We held value up here today and closed strong. Looking for a push through $78.5 for longs, with targets at $80, 81 and possibly as high as $83-85. 02/14 $70-80Cs  do what you will with this regards, if you make money, thank me later or see me behind Wendy’s 

AcanthisittaHour4995

**Sorry, we couldn’t find that ticker AFRM. Maybe it doesn’t have enough short interest to get ranked by SqueezeFinder, or maybe it’s an IPO.** (Short Interest and other values updated daily – Price, Borrow Fees, Social Rank and Share Availability every 30 minutes) *No ETFs, OTCs or Mega Caps, pls 🙂 If your ticker isn’t found, it may have below 1% Short Interest. Some fields may be blank for tickers outside the Top 50 or so*

beejee05

AFRM just shot up another 5%

ResidentLibrary

AFRM

Post-Rock-Mickey

There’s nothing wrong speculative trades, I had some too recently with AFRM. Hopefully you don’t go full WSB and use 100% of your portfolio. Best of lucky buddy hope TSLA tanks 📉

No-Bear-No

AFRM is a great company. Rolled AFRM earnings into RKLB.

No-Bear-No

Considering moving my AFRM winnings into RKLB.

CanadianGoku33

AFRM and NET would beg to differ.

Proud_Sail3464

AFRM?

Vast_Cricket

* DOCS Doximity, Inc. 77.93 +19.67 (+33.76%) * SWI SolarWinds Corporation 18.51 +3.47 (+23.12%) * BBAI [BigBear.ai](http://BigBear.ai) Holdings, Inc. 8.44 +1.67 (+24.69%) * AFRM Affirm Holdings, Inc. 74.09 +12.34 (+19.98%) * PINS Pinterest, Inc. 39.75 +6.16 (+18.33%)

swampassOG

!p AFRM

ai___________

Play AFRM if you’re in the Hood play too, you know what’s gonna happen when these companies can profit

blm4lyfe

Damn I sold AFRM earlier this week. Could've made rent money for 6 months

Chrg88

Generational buy the dip since June 2022 on AFRM. You are still early if you buy today

AxelFauley

AFRM and UPST being at all time highs means the economy is not doing so well but it's not falling off a cliff either. Simplistic view, but that's what I get from it.

6edge9lord

Fucking fumbled the bag so hard today. Should have held those AFRM and UBER calls 😩

ComprehensiveKiwi489

Many consumer product companies and even food companies are at 5-year low's. Lending companies like AFRM, UPST, etc. are skyrocketing. Banks (which are obviously also lending companies) JPM, COF, etc. are at all-time high's. Subprime lenders (OPFI, ONEM, ENVA) are at all time highs. Consumer credit card debt is at an all time high. Not a pretty picture.

CWB2208

Damn. Sold my AFRM calls too early 

radduder

$AFRM is headed to $200. So many people are going to be so mad they missed it, just like so many people missed $PLTR ‘s move. 🍿

towchi

I made money on my paper account today from $NET and $AFRM (my only plays). When I put real money I get fucked hard 🤣🤣🤣. Why is life like this. Anyway this coming week my picks are Shopify, Cisco and paloalto

No-Bear-No

Flock to safety -> AFRM

Embarrassed_Box1827

AFRM call just paid for my weekend 😇

Far-Requirement9180

AFRM holy fuk 

peopeopeopeo10

AFRM what a fucking earnings call yes go

ai___________

Up 8% on shares on AFRM in just 8 minutes

No-Bear-No

$75 baby! AFRM AFRM AFRM

peopeopeopeo10

AFRM!!!!

peopeopeopeo10

AFRM flying!

jugwhatever

Remember when RDDT was at $60, 6x revenue, people said tHeY'Ll nEveR mAkE mOneY, then they posted a profit and the stock went up over 3x? Now look at AFRM.

radduder

$AFRM back to $176. They’re profitable now folks.

Shah456

AFRM to 80 today?

Chrg88

AFRM to $375

No-Kangaroo-501

HOOD Calls & going into earnings Got into short call 21Feb $45 and $50 before the surge.. I still holding on to shares at $16. For calls like this.. What usually will u all look and how to determine when to maximise your profit n exit especially it is approaching earnings next week? Looking at recent earnings, most mag 7 & hardwares r crashing.. Softwares like AFRM, NET beat earnings n surge.. next is HOOD? What r your takes? https://ibb.co/pjyh9xGX https://ibb.co/Q7jcXZxV https://ibb.co/kbmvMvt

mcs5280

Thank god AFRM lets me have a 12 month  payment plan on my online grocery shopping

CanadianGoku33

How is no one talking about AFRM. Beat EPS by 202% and up 15% in AH.

jugwhatever

Once again, selling CCs and the steamroller got me (AFRM). Will I learn my lesson this time?

whiskeytown2

AMD = advanced money destroyer But AFRM doing god’s work for me lately

Chrg88

Ive been all in on AFRM for the past 3 years. This time it feels different. Different levels starts now - LAMBO TIME

Chrg88

My AFRM bag holding might actually go green. I have some purchases at $170