Affirm: I Like BNPL, Just Not This Stock


  • I’m passing on Affirm Holdings, Inc. stock due to its high valuation of 18x next year’s non-GAAP operating income.
  • Despite Affirm’s growth prospects, I’m concerned about its decelerating growth rate and high price.
  • Even though Affirm is popular and innovative, I find Sezzle Inc. stock more interesting.

Buy Now Pay Later


Investment Thesis

Affirm Holdings, Inc. (NASDAQ:AFRM), one of the leading Buy Now Pay Later (“BNPL”) platforms, is a firm no from me.

It’s not that I fail to recognize the appeals of its growth prospects. Instead, I don’t find paying

Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha’s Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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