Shares of Affirm Holdings, Inc. (AFRM) surged 12.8% on Monday following Goldman Sachs' initiation of coverage with a Buy rating. Analysts highlighted the buy now, pay later (BNPL) service provider's innovative credit solutions, superior underwriting processes and effective risk management, which includes short-term receivables and transaction-level underwriting, as key factors for their positive outlook.Also, Goldman Sachs set a $42 price target for the stock, which indicates a 40.6% premium on the $29.87 c ...