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Affirm posts strong growth and profitability, confirming BNPL's lasting impact in payments.

Analyst Insights
15 May 2026
Seeking Alpha
View Source
Bullish
pluang ai news

Affirm (AFRM) reported a 35% year-over-year growth in gross merchandise volume (GMV) and 41% growth in revenue less transaction costs (RLTC), surpassing its guidance while maintaining a net cash position. The company projects 29% GMV growth and margin expansion, driven by market share gains and AI-enhanced profitability. This performance highlights Affirm's role in establishing buy now, pay later (BNPL) as a sustainable payments disruptor beyond pandemic trends. The analyst rates Affirm as a "Buy," citing durable growth, GAAP profitability, and a reasonable valuation despite recent stock price gains.

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