Affirm’s New Stripe And Google Pay Integrations Might Change The Case For Investing In AFRM

• Affirm Holdings recently announced expanded partnerships that bring its buy now, pay later options to in-store shoppers through Stripe Terminal and to a wider online audience via Google Pay autofill on Chrome, reaching merchants across the U.S. and Canada.
• These integrations give Affirm access to millions of additional potential checkout points, emphasizing the company's focus on embedding flexible payment solutions directly within leading global payment infrastructure.
• We’ll examine how Affirm’s integration with Stripe Terminal could shape its investment narrative and support broader merchant adoption.

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Affirm Holdings Investment Narrative Recap

Owning Affirm hinges on trusting the long-term shift toward flexible, transparent BNPL solutions integrated across retail and e-commerce channels, with the real test coming from whether these deepening partnerships can materially accelerate sustained transaction and revenue growth. The Stripe Terminal partnership, unlocking over a million new in-store devices for Affirm’s BNPL offerings, gives the company access to a significantly larger pool of physical checkout points, but this does not fundamentally change the most important near-term catalyst: Affirm’s earnings on August 28, which are expected to show continued strong growth, nor does it address the biggest risk, which remains the threat of aggressive competition from major incumbents and renegotiations with key merchant partners. The expansion with Stripe Terminal stands out as particularly relevant, as it broadens Affirm’s merchant reach across the U.S. and Canada and positions the company within high-traffic, omnichannel payment environments, directly addressing merchant concentration and adoption, an important step in supporting top-line growth ahead of critical earnings catalysts. Yet, despite recent momentum, investors should also pay attention to how competitive pressures from large financial rivals could impact Affirm’s pricing power and future profitability...

Read the full narrative on Affirm Holdings (it's free!)

Affirm Holdings' narrative projects $5.6 billion revenue and $376.0 million earnings by 2028. This requires 23.1% yearly revenue growth and a $438.2 million increase in earnings from -$62.2 million currently.

Uncover how Affirm Holdings' forecasts yield a $73.34 fair value, a 8% downside to its current price.

Exploring Other Perspectives

Fifteen members of the Simply Wall St Community assess Affirm’s fair value from as low as US$21.18 to US$195.17 per share. While many expect broad adoption to drive growth, you will find a wide range of views on both risk and reward, consider using these divergent perspectives to challenge your assumptions about Affirm’s current positioning.

Explore 15 other fair value estimates on Affirm Holdings - why the stock might be worth less than half the current price!

Build Your Own Affirm Holdings Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Affirm Holdings research is our analysis highlighting 1 key reward that could impact your investment decision.
• Our free Affirm Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Affirm Holdings' overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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