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Affirm’s Strategic Partnerships Fuel Expansion in Buy Now, Pay Later Market

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Written by Timothy Sykes Reviewed by Jack Kellogg Fact-checked by Ellis Hobbs
Updated 12/16/2025, 11:32 am ET 12/16/2025, 11:32 am ET | 4 min 4 min read
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Affirm Holdings Inc.’s stocks have been trading up by 5.12 percent, buoyed by positive market sentiment.

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Live Update At 11:32:16 EST: On Tuesday, December 16, 2025 Affirm Holdings Inc. stock [NASDAQ: AFRM] is trending up by 5.12%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Quick Financial Overview

Affirm Holdings Inc. is making waves in the finance world with noticeable fluctuations in its stock values. Over recent days, the stock tapped an impressive $70.12 high, with a slight dip towards $64.9 showing the common rollercoaster of market dynamics. However, the ongoing buzz around Affirm extends beyond the surface numbers.

Delving deeper into the balance sheet, Affirm boasts a revenue of over $3.22B, marking a significant revenue growth over years. The gross margin stands enviably at 91.8%, hinting at efficient operations and cost management. High profitability ratios show Affirm’s ability to generate profit. However, certain challenges can be noted, such as a -25.2% pretax profit margin, signaling underlying costs and expenses that manage to eat into gains.

Financially resilient, Affirm maintains steady investment in its future, with a notable free cash flow of $320.2M, allowing room for strategic maneuvers and debt recovery, as witnessed through quick debt issuances. Investors are attentive to these moves, as Affirm’s market strategies unfold year by year.

Competitive Pressures and Market Reactions

The recent news of Affirm partnering with popular retailer Pacsun is just one of many strong maneuvers positioning the company for more growth opportunities in the competitive Buy Now, Pay Later (BNPL) market. This is not just about snapping up more retail partners—it’s about expanding horizons and doubling down on transparency. Affirm’s customers can shop now and pay over time without hidden catches—a big draw card for those who cringe at hidden fees.

Affirm’s leadership remains committed to taking decisive steps, like the recent fireside chat bringing transparency to investor queries. Such initiatives ensure that Affirm remains in limelight, showing a proactive approach to its operation, financial status, and future roadmaps. Freedom Capital’s bold Buy rating, paired with a lofty price target, also underscores analyst’s assurance in Affirm’s strategic direction.

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Conclusion

As the financial landscape evolves, Affirm emerges as an agile player with its eye on the future. Affirm’s partnerships and financial health remain points of focus, potentially attracting more traders seeking a strong market participant. As millionaire penny stock trader and teacher Tim Sykes, says, “You must adapt to the market; the market will not adapt to you.” With a burgeoning presence across merchants and positive analyst sentiments, AFRM stock is set for exciting days ahead.

This is stock news, not investment advice. Timothy Sykes News delivers real-time stock market news focused on key catalysts driving short-term price movements. Our content is tailored for active traders and investors seeking to capitalize on rapid price fluctuations, particularly in volatile sectors like penny stocks. Readers come to us for detailed coverage on earnings reports, mergers, FDA approvals, new contracts, and unusual trading volumes that can trigger significant short-term price action. Some users utilize our news to explain sudden stock movements, while others rely on it for diligent research into potential investment opportunities.

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Tim Sykes

Head Writer at TimothySykes.com, Lead Mentor at the Trading Challenge
In his 20-plus years of trading, Tim has made $7.9 million. In his 15-plus years of teaching, Tim’s Trading Challenge has produced over 30 millionaire students. His philosophy emphasizes small gains and cutting losses quickly.
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* Results are not typical and will vary from person to person. Making money trading stocks takes time, dedication, and hard work. There are inherent risks involved with investing in the stock market, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk. See Terms of Service here

The available research on day trading suggests that most active traders lose money. Fees and overtrading are major contributors to these losses.

A 2000 study called “Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors” evaluated 66,465 U.S. households that held stocks from 1991 to 1996. The households that traded most averaged an 11.4% annual return during a period where the overall market gained 17.9%. These lower returns were attributed to overconfidence.

A 2014 paper (revised 2019) titled “Learning Fast or Slow?” analyzed the complete transaction history of the Taiwan Stock Exchange between 1992 and 2006. It looked at the ongoing performance of day traders in this sample, and found that 97% of day traders can expect to lose money from trading, and more than 90% of all day trading volume can be traced to investors who predictably lose money. Additionally, it tied the behavior of gamblers and drivers who get more speeding tickets to overtrading, and cited studies showing that legalized gambling has an inverse effect on trading volume.

A 2019 research study (revised 2020) called “Day Trading for a Living?” observed 19,646 Brazilian futures contract traders who started day trading from 2013 to 2015, and recorded two years of their trading activity. The study authors found that 97% of traders with more than 300 days actively trading lost money, and only 1.1% earned more than the Brazilian minimum wage ($16 USD per day). They hypothesized that the greater returns shown in previous studies did not differentiate between frequent day traders and those who traded rarely, and that more frequent trading activity decreases the chance of profitability.

These studies show the wide variance of the available data on day trading profitability. One thing that seems clear from the research is that most day traders lose money .

Millionaire Media 66 W Flagler St. Ste. 900 Miami, FL 33130 United States (888) 878-3621 This is for information purposes only as Millionaire Media LLC nor Timothy Sykes is registered as a securities broker-dealer or an investment adviser. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. Millionaire Media LLC and Timothy Sykes cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing. Millionaire Media LLC and Timothy Sykes in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned in communications or websites. In addition, Millionaire Media LLC and Timothy Sykes accepts no liability whatsoever for any direct or consequential loss arising from any use of this information. This information is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor. Past performance is not necessarily indicative of future returns.

Citations for Disclaimer

Barber, Brad M. and Odean, Terrance, Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors. Available at SSRN: “Day Trading for a Living?”

Barber, Brad M. and Lee, Yi-Tsung and Liu, Yu-Jane and Odean, Terrance and Zhang, Ke, Learning Fast or Slow? (May 28, 2019). Forthcoming: Review of Asset Pricing Studies, Available at SSRN: “https://ssrn.com/abstract=2535636”

Chague, Fernando and De-Losso, Rodrigo and Giovannetti, Bruno, Day Trading for a Living? (June 11, 2020). Available at SSRN: “https://ssrn.com/abstract=3423101”