Who mentions $AFRM most on Surfaced?

@kerrisdalecap (Kerrisdale Capital) mentions $AFRM most — 9 mentions in the past 12 months.

When was $AFRM first mentioned on Surfaced?

The earliest tracked mention of $AFRM in the Surfaced archive was on Oct 10, 2025.

How many voices track $AFRM?

11 FinTwit voices have mentioned $AFRM 23 times in the past 12 months.

What kind of voices mention $AFRM most?

$AFRM is mentioned most by Short Sellers voices on Surfaced.

$AFRM — FinTwit mentions on Surfaced

Recent mentions

24 mentions

@rubicon59Jun 18, 2026 · 6:44 PM

And the weighing machine agreed. While $SEZL is +144% YTD, $KLAR is -34% and $AFRM is flat. Oh, Mr Market.

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@ftr_investorsMay 8, 2026 · 2:21 PM

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@unusual_whalesMay 7, 2026 · 8:21 PM

BREAKING: $DKNG earnings: - EPS: $0.2, est: $0.17 - Rev: $1.64 billion, est: $1.63 billion $NET earnings: - EPS: $0.25, est: $0.23 - Rev: $639 million, est: $622 million $AFRM earnings: - EPS: $0.3, est: $0.17 - Rev: $1.03 billion, est: $995 million

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@apomplianoMar 12, 2026 · 4:59 PM

I sat down with Affirm COO @mlinford_ to understand the strength of the US consumer, along with details about $AFRM and how they see their future potential. https://t.co/rRPuUUxw8O

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@unusual_whalesFeb 5, 2026 · 9:15 PM

Affirm, $AFRM, earnings: - EPS: $0.37, est: $0.27 - Revenue: $1.12 billion, est: $1.06 billion https://t.co/lNGVHeG6RW

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@tradableastroFeb 2, 2026 · 3:22 PM

$AFRM do you buy here, yes no maybe? what do you see https://t.co/zKsg1FbRoD

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@yasutaketinJan 23, 2026 · 3:11 PM

Affirm $AFRM は、ネバダ州の産業ローン会社憲章を申請し、州規制当局および FDIC に提出しました。承認されれば、Affirm に銀行子会社を与え、BNPL 融資と並行して銀行サービスを提供する能力を拡大することになります。出典: Bloomberg

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@kerrisdalecapJan 21, 2026 · 2:14 PM

Job growth has slowed to a crawl. Student and auto delinquencies are rising. Data from Discover Card shows subprime stress and early deterioration in lower-FICO card pools. This is a setup $AFRM can’t afford. 9/10

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@kerrisdalecapJan 21, 2026 · 2:13 PM

Leverage is also worse than the headline numbers. Once you include off-balance-sheet exposure where $AFRM still eats the credit losses, effective leverage is >6x. Small increases in credit loss will hit the equity hard. 8/10

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@kerrisdalecapJan 21, 2026 · 2:13 PM

Now consider $AFRM’s ability to withstand weakening in any of those conditions: reserves are just ~1% of GMV and ~2% of retained risk. That’s no cushion for a borrower base that normalizes at 6-7% losses. 7/10

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@kerrisdalecapJan 21, 2026 · 2:13 PM

$AFRM may be growing fast, but that doesn’t make it a healthy business. The last 3 years were as good as it gets: low unemployment, suppressed losses, wide-open funding markets. And yet with ~40% GMV growth, $AFRM only barely scraped into GAAP profitability. 6/10

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@kerrisdalecapJan 21, 2026 · 2:12 PM

$AFRM is following a familiar subprime playbook: stacking more expensive loans onto the same increasingly levered people. In 1Q26, 96% of originations went to repeat customers. 5/10

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@kerrisdalecapJan 21, 2026 · 2:12 PM

~50% of $AFRM revenue is interest income. Virtually all interest-bearing loans are above the 10% cap Trump is talking about, and its single largest, most profitable bucket is 30%-36% APR. This is “payday lending, but make it tech.” 4/10

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@kerrisdalecapJan 21, 2026 · 2:11 PM

$AFRM gets lumped in with Klarna/PayPal/Block, but that’s the wrong comp set. Those are merchant-fee-driven payment platforms. Affirm is a credit business, and it has leaned harder into high-APR lending as consumer stress rises. 3/10

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@kerrisdalecapJan 21, 2026 · 2:10 PM

Trump’s 10% interest rate cap targets credit cards (for now), but this in an affordability crusade. If “20–30%, and even more” APR is “ripping off” Americans, then $AFRM’s 36% installment loans are Exhibit A. 2/10

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@kerrisdalecapJan 21, 2026 · 2:09 PM

We are short $AFRM. Report at https://t.co/gXHJtdo2xm. Affirm is a highly levered subprime lender masquerading as “FinTech,” and political scrutiny + the credit cycle is about to expose it. 1/10

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@blackpanthercapJan 11, 2026 · 1:11 PM

5 stocks that could win big under Trump policies: 1. $CRWD (cybersecurity) 2. $RKT (mortgages) 3. $ONDS (drones/border) 4. $AFRM (BNPL) 5. $PFE (healthcare) NFA.

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@investmentguru_Jan 10, 2026 · 4:55 PM

Credit Card Interest Cap: Who’s at Risk? If the U.S. implements a 10% cap on credit card interest rates, as proposed, it could shake up the financial sector. Banks and fintech companies that rely heavily on high-interest credit card revenue could see profits take a big hit. Most Exposed Companies: • $JPM, $C, $BAC, $WFC, $COF – Traditional banks with large credit card portfolios. • $SOFI, $UPST, $AFRM – Fintech lenders and consumer finance platforms. • $ALLY, $SYF – Companies with private-label or co-branded credit cards. Potential Impact: •Reduced interest income and net margins. •Tighter lending standards for higher-risk borrowers. •Profit forecasts and stock valuations may face downward pressure.

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@tsoh_investingJan 9, 2026 · 5:42 PM

Affirm $AFRM Annual GMV (FY19 - FY26e GMV CAGR of +51% p.a.) https://t.co/y6BORy4rqS

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@investmentguru_Dec 28, 2025 · 1:07 PM

Big Picture | Where the Next Cycle Is Taking Us: Space: $RKLB, $ASTS, $RDW, $PL Enterprise AI: $PLTR, $SNOW, $MDB, $NOW Mag 7: $NVDA, $GOOGL, $MSFT, $META, $AAPL, $TSLA, $AMZN Power & Energy: $CEG, $OKLO, $BE Semiconductors: $NVDA, $AMD, $AVGO, $ARM Defense & Autonomy: $KTOS, $LMT, $PLTR, $ONDS Robotics & Automation: $TSLA, $SYM, $ISRG, $ABB, $RR AI Infrastructure & Data Centers $NBIS $CIFR $IREN Fintech: $SOFI, $HOOD, $PYPL, $AFRM, Healthcare AI & Biotech Platforms $ABCL, $RXRX, $VKTX Uranium & Nuclear Renaissance $OKLO, $SMR, $BWXT, $LEU Battery Tech & Energy Storage $QS, $EOSE, $FLNC, $BE

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@ftr_investorsDec 24, 2025 · 6:51 PM

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@yasutaketinDec 16, 2025 · 7:25 PM

$AFRM +10% 決算ずっと良いのに不遇だった銘柄

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@hkuppyOct 10, 2025 · 8:07 PM

Looking at $AFRM and $UPST. Anyone hearing anything about the guacamole tranche of the early vintage burrito securitizations…?? 🤣🤣 https://t.co/bzVdwv4C6N

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@hkuppyAug 16, 2025 · 4:15 AM

@PauloMacro Hope $AFRM funds this

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