This misunderstood fintech is loaded with potential upside.Buy Now, Pay Later company Affirm (AFRM -2.37%) is one of the more hotly debated stocks on Wall Street. How can investors trust a business seemingly losing money while competing in a new and growing (but crowded) industry?Yet, the stock has risen like a phoenix from the fire, surging over 150% these past 12 months. Is Wall Street simply being irrational, or is there something to this? I decided to dig into the business to uncover why Affirm's long-t ...