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
IBKR looks like a technical breakout. AFRM looks strong too. Calls!
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. 😇
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.
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?
$200k in AFRM weekly calls right here. JPOW is cutting
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.
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.
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.
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.
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.
I can’t believe I sold ASTS and AFRM last Monday
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.
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.
can we buy a gold bar from Costco with AFRM financing?
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.
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
AFRM, NVDL, GME, and VRT calls are kicking ass
I don't know when the recession is but shorting the shit out of AFRM soon
You can get a mistress on AFRM now?
So higher yields is good for AFRM, i see. Priced in i guess it was. Why do i even try to understand
 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 .
As soon as we get into the gap fill, all in. Otherwise, waiting. And maybe shorting AFRM or DECK while waiting.
Anyone else print with AFRM puts today or just me? I tried give yall the heads up. 800% and still holding lol
430% on my AFRM puts I posted about yesterday. Only 45% on my pltr tho :(
AFRM/PLTR calls 
PLTR and AFRM puts will print next week you heard it here first.
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.
Which BNPL service did you use? AFRM ???
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. 
My largest positions are NBIS, UPST, AFRM, and RDDT.  RDDT kinda ass but that's ok, he'll move when he's ready.
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. 
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
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
*As suspected my AFRM and AKAM calls did not age well. Fukt,* 
Will buying calls on AFRM at open be considered ghey?
AFRM and COIN are going to rally and end green tomorrow 
i bought AFRM 49.5p 5/16 exp. i think i still profit despite iv crush?
AFRM announces bankruptcy due to too many Buy Now Pay Later users & none of them are paying back. Company liquidated & with no bailouts available.
How come AFRM falling.I got f-ed 3 times this week…..WHY???
*My AFRM calls aged like milk in the Nevada desert. Fuck.* 
RKLB and AFRM. What does the market want?
calls on NET, DKNG, AFRM, INOD, ENB, ANIP, AQN.
I was so close to buying AFRM puts 😭😭
man, I just borrowed money from AFRM... does this mean I don't have to pay it back?
I WAS GONNA BUY AFRM PUTS TOO THIS IS THE SECOND DAY IN A ROW THIS HAS HAPPENED TO ME 
*No AFRM noooo! My calls!!!* 
AFRM calls before earnings?
Thxs bruh. I've got 12 positions at the moment but today HOOD, NBIS, AFRM and UPST are my biggest winners.
AFRM puts, LYFT puts and PINS puts. Thank me later You will make some income today
Anyone playing Affirm (AFRM) for their earnings this afternoon after seeing Sezzle (SEZL) pop off from their earnings?
What do people think of AFRM? Heavy volume buying the 60 strike for June and selling the 75…seems bullish
In 4 easy interest free payments. Calls on AFRM.
lottos on both UPST and AFRM
I took on more work so I can invest for while ppl are scared to. Up 40% CRWD, Up 20% PLTR, Up 20% CEG, Up 10% MSFT, Up 15% LLY, Up 5% NVDA Down 30% RDDT, Down 20% AFRM, Down 30% OKLO, Down 5% TSLA. Bunch of other stuff is flat, like Walmart, Apple, and some other stuff. Real mixed bag, but all in all the stock picking portfolio down 3% YTD. 401k is just on autopilot. No changes.
i like AFRM too ... people are poorer than ever but still wants to enjoy goodies , especially at 0% interest (why not?)
I also have some $LHRC, also in real estate, so this fits in with my industry exposure thesis - trying to place a few picks into many industries. The lending/credit business is an interesting model. I’ve been fascinated that $AFRM has done so well, but that’s headed by Max Levchin, one of the infamous PayPal Mafia crew. So I appreciate your perspective on LendingClub - different market but still high credit risk. Or as you noted, high risk/high reward. Fascinating that $NVVE is investing in a $BTC corporate reserve in their recent filings. I can think of $KULR and $GNS having done that, but $KULR strengthens their position while $GNS has one shady filing after another. Which probably means it’ll run ;)
It’s alright man.. can’t catch them all. AFRM is also another one I’m closely looking
And literally so many more appealing options this week too. DDOG, UBER, DOCN, AFRM... smh...
Yeah the services I’ve seen are all posting very bearish flow on UPST. But bullish AFRM.
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.
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
AFRM is in talks to implement buy now pay later on buy now pay later payments 🚀🚀🚀🚀
Nope, thinking ANET, AFRM, TEM, UBER rn.
MCD should partner with AFRM for BNPL Big Macs.
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.
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.
Nah.... That's not true. AFRM doesn't charge late fees. They will just never give you another loan again.
Affirm Holdings (AFRM) is probably the most popular, with PayPal (PYPL) being one of the largest.
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.
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
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.
My AFRM 41 calls will look juicy at open!
Is it just me or is AFRM at $46 going into recession fucking insanity?
I will keep shorting AFRM
$AFRM Debt slaves = profit
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.
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
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..
Hear me out: We all load up on AFRM leaps, collectively max out loan & not make payments, artificially bankrupting the company & profit from it. 
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
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.*
I've been buying TTD and HIMS. Would love to start a position in S and AFRM.
like seriously? which growth stock isnt? Its bloody blood bath out there. AFRM went from 90 to 30 in like a month
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.
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
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