Shernice 2000
09-17

$Affirm Holdings, Inc.(AFRM)$  

The potential for Affirm's growth is indeed significant with this new Apple Pay integration. By tapping into Apple’s large user base — which makes up around **55-60%** of the U.S. smartphone market — Affirm could see a substantial increase in its active user base. Since many Apple Pay users already prefer convenient, seamless payment options, offering Affirm's **Buy Now, Pay Later (BNPL)** service directly through Apple Pay provides an attractive and frictionless solution for these consumers.

If Affirm can successfully capture a good portion of this market, the company could potentially see its active user base increase by **50% or more** over the next 6 months to a year. This expansion, combined with the continued growth in the BNPL market overall, presents a huge opportunity for Affirm. The integration with such a widely used platform as Apple Pay makes it easier for users to adopt Affirm's payment plans, which could lead to strong revenue growth.

Target price $100. 

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