This volatile fintech stock is trading at a discount to its IPO price.Affirm (AFRM -2.27%) attracted a stampede of bulls when it went public on Jan. 13, 2021. The buy now, pay later (BNPL) services provider priced its IPO at $49, and its shares soared to an all-time high of$168.52 on Nov. 4, 2021.At the time, investors were dazzled by Affirm's explosive growth rates and its disruptive potential. By breaking up larger purchases into smaller installments through microloans, Affirm's BNPL platform was an appe ...