Affirm Holdings has a catalyst in its May 12 Investor Forum, where management is expected to set a medium-term framework covering UK expansion, rent and B2B verticals and the Affirm Card. Card GMV is up 159% with 3.7 million active holders, and Affirm is reportedly pursuing a banking license. Its Amazon partnership runs through 2031, and it landed Costco and a Stripe AI Shopping Token integration in the same week. The weekly chart is curling; the view holds while it confirms above 52.90. x.com 

Affirm's free cash flow is exploding, making its 19x forward free-cash-flow valuation look seriously undervalued. Free cash flow is projected to reach $1.4 billion this fiscal year. The $100 target by early 2027 remains, and Affirm fits the preference for businesses that can compound intrinsic value regardless of what happens to the volatile AI trade. x.com 

Affirm looks a bit expensive here, with fair value around $70 to $80, even though buy now, pay later should keep taking share from traditional credit cards. BNPL limits borrowing to when it is needed and cuts off borrowers who do not repay, lowering risk for both user and lender, unlike credit cards with large limits. Affirm is growing over 35%, and its balance account pays over 3% interest through a linked debit card that can also use BNPL. x.com 

Affirm is a bottom-fishing opportunity now that it has turned from years of losses to consistent profitability. Q2 fiscal 2026 EPS of $0.37 beat estimates, revenue rose 29.6% and GMV 36.6%, and trailing net income turned positive. Its Amazon partnership runs through 2031, Lowe's has joined, and BNPL demand should rebound as rates improve. At about 35x forward earnings and a PEG of 0.72, the stock is reasonably valued or even undervalued for its growth. x.com