Affirm Holdings, Inc.

• AFRM Stock Price 24h change: -4.42%. From 75.97 USD to 72.61 USD. The pullback follows a period of profit-taking after the stock neared its 52-week high, coupled with market caution regarding new credit card interest rate cap proposals.• From a technical perspective, the stock is currently in a "short-term bearish correction" within a broader neutral trend. Key technicals: 14-day RSI is at 40.14 (approaching oversold), MACD is at -2.01 (bearish signal), and the price has dropped below its 10-day and 20-day SMAs. Strong support is noted at $65.50, while $79.00 remains a critical resistance level.• Affirm recently upgraded its underwriting model to include real-time bank balance and cash flow data, aiming to improve credit quality and expand its addressable market beyond static credit scores.• Significant insider activity was reported as CEO Max Levchin and CFO Robert O’hare sold shares totaling over $56 million in early January, which has weighed on investor sentiment.• Analysts at Mizuho and others suggest Affirm could benefit if proposed credit card interest caps drive consumers away from traditional banks toward alternative Buy Now, Pay Later (BNPL) platforms.• A new proposal to cap credit card interest rates at 10% has caused a rotation in the financial sector, with investors shifting focus from traditional lenders to BNPL providers like Affirm and SoFi.• Competitive pressure in the BNPL space intensifies as Klarna launches a peer-to-peer payment service in 13 European countries, while Sezzle reports strong 2026 growth projections.

• AFRM Stock Price 24h change: -0.55%. From 76.39 USD to 75.97 USD. The stock experienced volatility as investors weighed President Trump's 10% credit card interest rate cap proposal, which initially sparked optimism but later led to concerns over potential regulatory tightening across all consumer lending.• Technical indicators present a "Strong Sell" to "Neutral" outlook: the 14-day RSI is approximately 37.45, suggesting bearish momentum, while the stock trades near its 200-day moving average ($74.35). Key resistance is identified at $79.00, with primary support holding at $65.50.• Affirm announced an update to its underwriting process on January 14, incorporating real-time financial data such as account balances and cash flow to improve credit decisions and boost purchasing power by an average of 12%.• President Trump’s proposal to cap credit card interest rates at 10% by January 20 has caused significant fluctuations in AFRM shares, as the market debates whether this will drive more users to BNPL or trigger a broader credit liquidity crunch.• Institutional activity remains high with Sumitomo Mitsui DS Asset Management recently acquiring over 26,000 shares, though recent insider selling by CEO Max Levchin and the CFO has signaled some caution to retail investors.• The broader payment concept sector extended its decline on January 14, with major players like Visa falling over 3.8% as traders braced for new CPI data and potential regulatory shifts in consumer finance.• Research reports from RBC Capital Markets suggest that a 10% interest rate cap could halve revenues for some credit card issuers, leading to a sector-wide re-evaluation of earnings potential for 2026.