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

she-figures-it-out

Cautiously bullish. Comparing somewhat to $AFRM (competitor in the same space) whose stock has performed very well over the last 6 months. IPO’s generally have had median first day returns close to 20% lately. Klarna overall is the second largest player in this space (next to affirm) integrated with 500,000+ retailers worldwide. Their revenue has grown double digits YoY. That said, they’ve had persistent losses and there are some profitability concerns. A good one for the watchlist, IMHO.

HatchChips

Try Affirm, AFRM instead. Good steady growth, turned profitable last Q

KailuaDawn

Can't believe AFRM gave up all it's post earnings gains on klarna ipo news. Back to $80 was a fantastic deal.

sharpetwo

You are right that IV before earnings is usually overpriced. The problem is not whether the trade has edge because it does, on average. The problem is how you are running it. Do it in size on AFRM, AVGO, ORCL and you are gambling on a handful of coin flips. The edge only shows up if you do it over and over to play the law of large number. Which has a few implication from a risk management perspective. – You must small size, lots of names, every quarter. Once again, the law of large numbers is your friend. – Ideally you want to stay vega neutral. That may not be easy on a small account across multiple tickers, but at least do not pile on all longs or all shorts in the same sector. You want a balanced book so one vol spike does not nuke you. T – Mind the strikes: you do not have to park right at the money. Selling wings, or structuring spreads, trims gap risk and makes assignment less of a headache. Also you have to accept the tails. There will be nights when something gaps 20–30%. That is the cost of the strategy. The only defense is to make sure it does not wipe your season. Earnings vol is candy, but only if you nibble in small bites. One or two big gulps and the market will soon remind you why the premiums look so fat.... Good luck.

liameva1618

Since when AFRM is a tech giant ? Regarding earnings play I would only do on stocks that you don't mind holding and also keep some cash on a side. Remember what happened to UNH after earning 6 months ago ?

piper33245

They don’t always bounce back and at least not right away. AFRM is still down 50% from 4 years ago. Also remember tech as a whole dropped 85% during the dot com bubble and took 15 years to recover. Thats a long time to actively manage your portfolio and make no money.

sNeKbIt99

I wonder how AFRM will do with the Klarna IPO this week?

cinJESUS

AFRM has a market cap of 28.45B while KLAR is IPOing at a 14B market cap... bullish no? 👀👀👀

chatrep

Just my opinion but not a fan of either. I used to work at Intel about 25 years ago. My option strike price was about $30 and had they not expired would still be under water. Lol. I like positive momentum so that rules out Intel for me. For chip sector, I’m a fan of TSM. Even when AVGO steals share from NVDA, it goes to TSM. As for Klarna… could be okay if they perform like AFRM but I don’t like their fundamentals and the recent IPO’s seem to be rushed and greedy. CRCL had a good run but that was huge hype of stablecoin. They have all wound down. If Klarna runs up huge and valuation is at or higher than AFRM, I’d go short with something like a slightly ITM put 3-6 months out.

option-trader

Nice. I went from AFRM to LULU puts. Same kind of luck here too.

Either-Lie-9000

calls on consumer credit ($AFRM) poor people need money they don't have they will always be funded they will always be monetized

Milios12

So compared to $AFRM which is better? I own $AFRM

macbookvirgin

Zoom out AFRM and they just announced profitability last week. Doubt it’s going anywhere.

macbookvirgin

Well I’m glad you decided to wake up and just spew bullshit. AFRM is profitable as of last week.

yeeetcoin

Commenting so I remember who I will be relentlessly memeing after LULU rips off earnings today. Yall act like times aren’t already hard NOW yet they’re still in stores buying apparel constantly. Look at AFRM and Klarna, America runs on debt. If people want something they just finance it immediately and don’t consider consequences. Similar to RL, LULU isnt the coolest but it’s a status symbol in athleisure. People may buy the flavor of the week brands like Alo but the GOAT brand is LULU. It will always have a place in the top tier of athleisure. All of you are injecting your own bias into your reasoning that LULU won’t recover and underestimating the technical and fundamental triggers in place. You all sound exactly like the UNH deniers both times it went down to 250. Your opinion is flawed and this is why you’re going to be sidelined again.

Stephonovich

Affirm just made GAAP profitability. Disclaimer: I work for AFRM, but it’s not like you can’t verify the profitability fact.

pizzaforward22

You can hate the business model ethically and it could still be a great business. For some reason people don't look at comparables in the market ($AFRM) which is sitting at $27B a bit more revenue. They're basically the same business.

Dangerous_Walk9239

AFRM didn’t file for bankruptcy

nicelow24

KLAR just as good as AFRM

DinnerByEleven

Garbage company. Listen to the ceo. Slick Willy full of shit. He jumped on social media shopping and had Klarna pivot to an influencer shopping shit. When that didn’t work, he copied AFRM’s no late fees strategy, only to quietly reintroduce late fees (that’s how they make most of their money). He got Walmart exclusive by giving them a shit load of warrants. His latest bullshit is crypto. Klarna will use crypto. CEO is a shill.

everySmell9000

Okay. AFRM ipo 2.0.

Little-Bar-1994

Trust me. Buy $50k of, what do we got here, $AFRM and &XYZ puts.

everySmell9000

AFRM 2.0

cocobizzounty

But AFRM has lower delinquency rates than credit cards. So its customers can afford the things they are buying.

lee1026

I have my doubts about AFRM customers being prime customers with sterling credit.

Either-Lie-9000

$AFRM will grind higher until economy caputs. disguised credit card, focus on prime/super-prime spenders, insane TAM and growth expansion. algos sent the stock high despite the eps beat being helped by non-cash/warrants. BNPL is not the bubble you think it is. (yet)

Either-Lie-9000

$AFRM

juke1226

The PCE report screwed up many of these runs. I made money on AFRM

hopespringeterna

So, would stocks like AFRM, PSTG and CELH currently meet your criteria for shorting ?

audi27tt

Lmao so many fundamental misunderstandings. Look up “merchant discount rate”. You clearly have not done the work on AFRM

audi27tt

I mean you’re clearly just biased against BNPL and don’t understand AFRM. One of the key debates with the stock is the zero APR loans. They are literally interest free, paid for by the merchant. I have an 800 fico, make mid six figures, can easily afford all the stuff I buy on it, and I use AFRM. Why would I not pay over 6 months if the merchant offers it?

PaperHandsTheDip

everyone posting AFRM gains... I didn't see anyone post yolo's on it :( . Missed this one. Regards, post beforehand so we can give you karma & inverse you all. Thnx 🚀

audi27tt

The point of AFRM is they have the best underwriting in the industry. Their customers are prime/near prime and can afford this stuff

juke1226

Well these earnings didn’t play out well since stupid market crapped out. I made money on AFRM by the skin of my teeth.

Cosmic-traveler----

AFRM printed hard today

SeriousGarbage3990

Kinda forgot I had these AFRM shares. Guess I should probably sell here

Xzlk

These AFRM puts are actually worthless lol

rxmshxcklx

AFRM calls on open 🆙️

Chrg88

My entire portfolio is CELH and AFRM. Puts on my liver

JustCan6425

What’s the play for tomorrow? SNOW, MDB, AFRM calls to ride the momentum short term? Or just spx 0dte if there’s volume?

Quant_V

AFRM ?

StocksStormTrooper

AFRM AMBA ADSK rocketing

mynameisaaa

Yeah I’m still looking for time to buy back some AFRM shares. Good company and good long term play

No_Station_8065

I am thinking 0dte calls on SNOW and AFRM. May be even ESTC and ADSK.

JustCan6425

What’s the play for tomorrow? SNOW, MDB, AFRM calls to ride the momentum short term? Or just spx 0dte if there’s volume?

JustCan6425

What’s the play for tomorrow? SNOW, MDB, AFRM calls to ride the momentum short term? Or just spx 0dte if there’s volume?

Wrong_Eggplant

People have hated on AFRM over the years, calling it a meme/bubble. One of the stocks that the more you watch it go up, the more obvious it seemed a good bet. You see Affirm everywhere more and more as time passes. Would a struggling company be spreading like that?

BorisAcornKing

Affirmly hold deez nuts I love being employed, but do wish I could have traded options on AFRM. If the rate cuts come we're spiking hard - a large portion of our costs are purely just interest rates. 1.5M revenue per employee and growing - and annually, people only think about us at black Friday, leading to people jumping in hard and spiking over the holidays. Hope the American economy holds up to keep it flowing.

EnginrA

No one here mentioned AFRM or IREN

claytondpark

AFRM provides strong annual forecast = average American consumers are struggling and can't afford to buy simple shiet outright 😂

AdPurple4902

AFRM to 100