Julie Morgan

Julia says when you weigh a firm against Klarna, a firm is a buy in her opinion.

But not everyone feels that way.

Out of all the most recent analysis, there's one contrarian view.

Merck Research on Seeking Alpha rates Affirm a strong sell.

It says with a 30 to 50 percent downside on Affirm, they maintain a sell position due to Affirm's disadvantages in an increasingly multi-option checkout and larger-than-expected UK expansion challenges that will hinder the street's lofty expectations.

Affirm went public in January of 2021.

It was founded in 2012.

Affirm is priced at $54.26, down 27% year-to-date.

It's rated Buy by Seeking Alpha Analysts and Wall Street.

The Quant rating is Hold.

Klarna was founded in 2005.

It went public less than a year ago, in September 2025.

Klarna shares officially started trading on the New York Stock Exchange at $52 each, representing a 30% premium to the $40 initial public offering price.

As of the time of this recording, Klarna is trading at $18.34 per share.

Klarna Next reports earnings before the bell on February 19th.

Julia says Klarna right now is just risky business.

But Klarna could be a nice play.

if the stock goes down slightly more.

Juxtaposed Ideas on Seeking Alpha writes Klarna Bai with a caveat.

The caveat is that interested investors observe the stock price movement for a little longer, attributed to the potential capital losses from the ongoing correction.