Affirm Holdings (AFRM) is one of the stocks most watched by Zacks.com visitors lately. So, it might be a good idea to review some of the factors that might affect the near-term performance of the stock.Over the past month, shares of this operator of digital commerce platform have returned +0.6%, compared to the Zacks S&P 500 composite's +5% change. During this period, the Zacks Business - Services industry, which Affirm Holdings falls in, has lost 0%. The key question now is: What could be the stock's futur ...

Although tech stocks carried major market indices over the past few years, all isn’t well in tech-land. Whether due to interest rates, increased AI enthusiasm that’s somewhat misplaced, or just wider tech fatigue, tech stocks seem due for a dip. These are the tech stocks to eject that you need to evacuate from your portfolio. Of course, not all tech stocks are created equally. Some are truly products of their time, offering a unique value proposition that’s made irrelevant by consumer or economic changes, o ...

Affirm Holdings, Inc. (NASDAQ:AFRM) Barclays 14th Annual Emerging Payments and FinTech Forum May 15, 2024 2:25 PM ET Company Participants Brooke Major-Reid - Chief Capital Officer Robert O'Hare - SVP, Finance Conference Call Participants Ramsey El-Assal - Barclays Ramsey El-Assal All right. Our next fireside chat of the day is with the Brooke Major-Reid, Chief Capital Officer; and Robert O'Hare, SVP Finance of Affirm. Brooke and Rob, thank you for being here again. Pleased to have you. Brooke Major-Reid Tha ...

业绩总结 - 公司在2024年X1交易中增加了42亿美元的额外容量[5] - 公司在ABS交易中获得了很强的需求，并且定价比上一次交易优惠了100个基点[6] - 公司在最近的ABS交易中获得了非常积极的市场反应[19] - 公司的ABS交易获得了超过3倍的超额认购，利率比去年11月的交易优惠了100个基点[24] - 公司与资金合作伙伴的关系保持透明和高度参与，尤其是在ABS投资者方面[29] - 公司计划在未来继续依赖现有的资金渠道，但会提高访问这些渠道的效率[37] 市场扩张和并购 - 公司认为Buy Now Pay Later市场在美国仍处于早期阶段，有很大的增长空间[42] - 公司通过混合月度分期贷款和Pay in 4贷款的方式来应对竞争对手的不理性策略[51] - 公司目前专注于在英国市场的发展，并计划在今年内将该国纳入业务范围[61] - 公司在美国市场取得了成功，但在进入新市场时需要考虑不同的消费者群体、第三方数据提供商和资本方面的关系[58] - 公司在资本方面有全球合作伙伴支持，希望能够在新市场中利用这些关系[69] 用户数据和新产品 - 公司在过去几个季度成功推动了新用户增长，同时也提高了用户的交易频率[81] - 公司认为重复交易的风险较低，因此更容易接受重复交易[80] - 公司的目标是提高用户的交易频率，以及推动较低平均订单价值的项目，从而增加交易次数[79] - 公司的Affirm Card产品在过去12个月内用户数量突破了100万，取得了良好的增长[92] - 公司对Affirm Card产品的未来发展充满信心，认为产品具有较大的潜力[94]

From a technical perspective, Affirm Holdings (AFRM) is looking like an interesting pick, as it just reached a key level of support. AFRM recently overtook the 20-day moving average, and this suggests a short-term bullish trend.The 20-day simple moving average is a popular investing tool. Traders like this SMA because it offers a look back at a stock's price over a shorter period and helps smooth out price fluctuations. The 20-day can also show more trend reversal signals than longer-term moving averages.Th ...

Shopify财报 - Shopify第一季度营收增长23%，略低于之前的报告[1] - Shopify预计第二季度营收增长率将放缓[1] - Shopify股价下跌近25%[2] - Shopify去年营收增长部分是由于提高了标准计划的价格[3] - Shopify CFO表示，第二季度将面临标准计划价格变化的影响[4] Affirm合作 - Affirm股价在Shopify财报发布后下跌超过6%[5] - Shopify和Affirm有紧密联系，Shop Pay Installments支付选项由Affirm提供[6] - Affirm CFO表示，与Shopify的合作在第二季度增长超过公司总GMV增长率的两倍[7] 消费者趋势 - 全球数字购物指数报告显示，29%的消费者更喜欢通过数字渠道纯粹远程购物[7] - 28%的消费者在过去三个月使用了延迟付款计划，其中19%使用了BNPL[8]

Affirm Holdings, Inc. (AFRM) posted better-than-expected third-quarter fiscal 2024 results, which were driven by an expanding Gross Merchandise Volume (“GMV”), improved servicing income and card network revenues coupled with a higher volume of transactions.  The results were partly offset by an escalating expense level, which was primarily due to a significant increase in provision for credit losses.AFRM incurred a third-quarter loss of 43 cents per share, which was narrower than the Zacks Consensus Estimat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 001-39888 Affirm Holdings, Inc. (Exact name of registrant as specified in its charter) Delaware 84-2224323 (S ...

Although it didn’t address two big elephants in the room, buy now, pay later company Affirm rode solid advancements in its debit card and gross merchandise volume metrics to better-than-expected Q3 earnings results. In what is a continuing referendum on consumer spend this earnings season, CEO Max Levchin painted a picture of a consumer financing FinTech that is cautiously increasing its risk exposure by extending credit to a larger consumer base while trying to maintain control over credit outcomes. As the ...

财务数据和关键指标变化 - 公司第三季度GMV同比增长36%,超出预期 [21][22] - 公司预计第四季度GMV同比增长25%,增速有所放缓但仍保持较高水平 [21][22] - 公司调整后营业利润率在15%-17%之间,保持较高水平 [36][37] 各条业务线数据和关键指标变化 - Affirm Card业务使用情况持续改善,新用户使用频率高于早期用户 [24][25][26] - Affirm Card业务在餐饮等场景的使用有所增加 [63] 各个市场数据和关键指标变化 - 公司计划在英国市场推出业务,将面临一个学习期来评估当地的信用表现 [66][67] - 公司在中小型商户群体中增长较快,这些商户更注重业务增长 [69][70][71] 公司战略和发展方向及行业竞争 - 公司不需要独家合作就能在市场上取得成功,可以与其他BNPL服务商并存 [49][50] - 公司未来计划进一步扩大在日常消费场景的渗透,提升Affirm Card的使用频率 [63][64] 管理层对经营环境和未来前景的评论 - 公司对利率变动不太敏感,能够在利率环境下保持良好的增长和盈利能力 [29][30][31] - 公司将继续谨慎管理信用风险,不会为了追求增长而放松信用标准 [40][41][42] 问答环节重要的提问和回答 问题1 **Robert Wildhack 提问** 公司定价举措对近期业务量增长的影响 [13][14][15] **Max Levchin 和 Michael Linford 回答** 公司定价举措对业务量增长的影响难以量化,但有助于提升整体收益水平 [13][14][15] 问题2 **Jason Kupferberg 提问** Affirm Card业务的使用情况及未来发展趋势 [24][25][26] **Max Levchin 和 Michael Linford 回答** Affirm Card业务使用情况持续改善,公司将继续投入改善用户体验,未来发展前景良好 [24][25][26] 问题3 **Dan Dolev 提问** 公司在利率上升环境下保持业务增长和盈利能力的原因 [29][30][31] **Max Levchin 回答** 公司业务对利率变动不太敏感,能够在各种利率环境下保持良好的经营状况 [29][30][31]