12 Best Up and Coming Stocks to Buy According to Wall Street Analysts

7. Affirm Holdings Inc. (NASDAQ:AFRM)

Average Upside Potential as of March 21: 63.71%

Number of Hedge Fund Holders: 61

Affirm Holdings Inc. (NASDAQ:AFRM) operates a payment network that provides point-of-sale financing solutions for consumers and commerce tools for merchants across the US, Canada, and internationally. Its platform facilitates buy now, pay later transactions by partnering with banks and capital markets to offer flexible payment options.

The company’s zero percent APR loan offerings attract consumers by providing interest-free purchasing options. Merchants subsidize these loans, which allows them to promote sales without discounting prices. FQ2 2025 saw a notable increase in zero percent loans. The company is expanding the reach of these offers by syndicating them across its network, which includes its app and card. This ensures consistent access to deals for consumers, which enhances the platform’s appeal. Additionally, the company is exploring AI to personalize offers.

Affirm Holdings Inc. (NASDAQ:AFRM) is also experiencing strong growth in active customers, with a 23% year-over-year increase, which marks four consecutive quarters of acceleration. This growth is attributed to increased DTC engagement, particularly through the Affirm card, and expanded e-commerce coverage. The company is actively working to enhance the card’s utility and aims for broader consumer adoption and increased spending.