Should I Buy Affirm (AFRM)? Finance YouTuber Analysis

The YouTuber highlights Affirm's integration into major platforms like Apple Pay, Amazon, and Shopify, which drives significant user adoption. He also points out that the company is transitioning from losing money to turning a profit, a key indicator for institutional money to start buying, and its chart shows an upward trend.

“A farm is now built right into Apple Pay, into Amazon, and into Shopify checkouts. Like all the checkouts that matter of literally hundreds of millions of shoppers that are handed to them without having to chase a single one.”

The YouTuber recommends Affirm, noting that as a buy now pay later (BNPL) company, it was hit hard by rising rates but will benefit significantly from rate cuts. Cheaper borrowing costs will improve its unit economics, allowing it to offer better terms and increase profitability, especially with its partnerships with major e-commerce platforms.

“But with rate cuts on the horizon, that dynamic flips.”