Valued at $14.5 billion by market cap, Affirm (AFRM) operates a platform for digital and mobile-first commerce, which includes point-of-sale payment solutions, merchant commerce solutions, and a consumer-focused application. Its payments network and partnerships with an originating bank allow consumers to pay for a purchase over time. Affirm has partnered with merchants across diverse industries, including sporting goods, furniture, travel, apparel, accessories, jewelry, and consumer electronics. Founded in 2012, Affirm went public in 2021 for $49 per share. It touched a record high of $165 in…