Boyce Watkins - Invidious

Boyce Watkins

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I am a black man who wishes to be intelligent, honest, thoughtful and committed to my community.

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Boyce Watkins

12 hours ago | [YT] | 427

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Boyce Watkins

Affirm is a fintech company best known for buy now, pay later technology that lets consumers split purchases into transparent installment payments. The stock has surged recently as earnings showed improving margins, disciplined cost control, and strong partnerships with major retailers driving transaction growth. Investors also like that Affirm benefits when consumer spending stays resilient and credit losses remain contained.

The bull case centers on rising adoption of flexible payments, deeper merchant integrations, and a path toward sustained profitability. The bear case includes pressure from higher interest rates, competition from banks and big tech, and the risk of consumer credit weakening in a downturn.

To learn about my favorite stocks, if you’re on Instagram, put the word stock in the comments. If you’re not on Instagram, text the word stock to 87948 or visit DrBoyceElevate.com.