$AFRM is a bad investment

This company seeks to profit off of short term loans the delinquency rates on these loans are rising and therefore they are likely to loose there profits they have failed to meet earnings and i doubt they will in surpass earnings expectations in the near future my price targets are 70-65 i wouldn't suggest anyone take this trade though technicals alone suggest AFRM is oversold(daily) and at trend base however i am not sure if those trends matter as they where formed pre august 2021 when volume initially picked up so they will likely break easily
TLDR this is a bad company