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 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 

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 

AWS's rapid growth in a huge business makes the long-term outlook decisively bullish for Amazon and the AI ecosystem. AWS revenue grew 39.3% year over year in September 2026; management guides for growth above 40% in 2027 and 2028. Amazon is always very conservative with guidance, making that AI outlook doubly bullish. x.com  x.com  x.com 

Affirm's daily chart points to a mid-term uptrend, with momentum building through higher highs and higher lows and whale accumulation strong at 95.33%. Support sits at $65-67, near-term resistance at $75-76, then the $84 zone. x.com 

Affirm's claim of a resilient consumer rings hollow because its model offers little visibility into credit risk. Like mortgage underwriters before the housing collapse, it originates and sells the loans, so it bears little risk itself. BNPL is opaque, with payments not reported to credit agencies; a survey found 41% of buyers made late BNPL payments over 12 months, against a reported 1.2% 30-day delinquency rate. Fitch assumes a 4% default rate because it is not given pool delinquency data. … Show more

Amazon's record AI spending looks backed by AWS demand, despite pressure on near-term profit. AWS grew 39% to $46bn, and CEO Andy Jassy projects growth above 40% in both 2027 and 2028. Quarterly capex reached $77.3bn, almost $20bn above expectations; the Q4 profit guide missed and retail ads softened. AWS acceleration makes the drop worth buying. Overweight; $370 target. x.com  x.com 

Growth makes these 12 potential monster buys. Reddit earns from AI data; Uber's global rides and delivery could gain AV margins; Constellation, the largest US nuclear operator, and Vistra serve AI power demand. MercadoLibre grows in Latin America; Navitas serves EVs and renewables; Costco has loyal members. Amazon spans cloud, commerce and ads; Duolingo's most-downloaded app adds math and music; CrowdStrike meets cyber demand; Visa's largest card network earns fees; SoundHound embeds voice AI. … Show more

Shopify's 34% growth and 15% FCF margin give it an elite Rule of 40 score of 49, so the market will forgive its GAAP loss. That loss came from a $1.1B write-down on its stakes in Affirm, Global-e and Klaviyo, market volatility rather than business failure. Merchant Solutions grew 39% versus 21% for subscriptions, showing Shopify is really a fintech company, and Bloomberg flows show smart money buying the dip at $108. x.com  x.com  x.com  x.com 

A revised group of 12 stocks is positioned for the next move: AMD from AI accelerators and data-center CPUs; Netflix, Spotify and Airbnb from expanding platforms; Affirm from checkout integrations; Axon and IonQ from law-enforcement and quantum technology; Eaton and Applied Digital from AI infrastructure; Cloudflare from network services, AppLovin from its high-margin ad engine, and Zeta from data-driven marketing. x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com  x.com