For the quarter ended March 2024, Affirm Holdings (AFRM) reported revenue of $576.16 million, up 51.2% over the same period last year. EPS came in at -$0.43, compared to -$0.69 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $548.07 million, representing a surprise of +5.13%. The company delivered an EPS surprise of +38.57%, with the consensus EPS estimate being -$0.70.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- ...

Affirm Holdings (AFRM) came out with a quarterly loss of $0.43 per share versus the Zacks Consensus Estimate of a loss of $0.70. This compares to loss of $0.69 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 38.57%. A quarter ago, it was expected that this operator of digital commerce platform would post earnings of $0.08 per share when it actually produced earnings of $0.04, delivering a surprise of -50%.Over the last four qu ...

T H I R D F I S C A L Q U A R T E R 2 0 2 4 Affirm Shareholder Letter We delivered another set of excellent results in our third fiscal quarter. In the parlance of our times, we slayed. Our mission remains as important to us – and as relevant to our merchant partners and our consumers – as it has been since day zero, and we feel quite comfortable executing in the current economic and interest rate environment. This is the fourth consecutive quarter of accelerating GMV growth for Affirm. Credit performance w ...

Investors are probably keeping a close eye on Affirm Holdings, Inc. (AFRM) as the company prepares to announce its third-quarter fiscal 2024 results on May 8, prior to the market opening. Some investors are deliberating whether to purchase shares of this prominent payment network before its earnings report or await a potentially more advantageous entry point.Why is It Attracting Investor Interests?As a prominent player in the buy now, pay later (BNPL) sector, AFRM holds a distinctive advantage to benefit fr ...

Sleeper stocks to buy – based on Nasdaq.com’s glossary – represent securities that offer significant price appreciation potential once its fundamentals have been recognized. That could cover a lot of enterprises so I decided to narrow down the list.Using TipRanks’ Stock Screener, I filtered for ideas that benefit from a series of strong quantitative attributes but simultaneously carry analyst consensus hold ratings. In other words, these are ideas that, by the numbers, should benefit from Wall Street’s spot ...

Affirm Holdings Inc (NASDAQ: AFRM) is down 8.0% at writing after One – a Walmart-backed financial technology startup joined the BNPL race. Are you looking for signals & alerts from pro-traders? Sign-up to Invezz Signals™ for FREE. Takes 2 mins.Why is it a big deal for Affirm stock?Copy link to sectionOne will reportedly enable customers to opt for its buy now, pay later loan to purchase big-ticket items at more than 4,600 locations of Walmart across the United States.  The announcement is significant for $A ...

股价表现 - Affirm Holdings (AFRM) 最近的股价为 $33.80，较前一个交易日上涨了 +0.69% [1] - 过去一个月，数字商务平台运营商的股价下跌了 13.46%，落后于商业服务行业的下跌幅度为 1.98%，以及标普500指数的上涨幅度为 0.8% [2] 财报预期 - 投资界将密切关注 Affirm Holdings 在即将发布的财报中的表现。预计公司将发布每股收益为 -$0.70，较去年同期下降了 1.45%。同时，最新的共识估计预计公司营收为 $548.07 百万美元，较去年同期增长了 43.86% [3] - 根据 Zacks Consensus Estimates，全年预计每股收益为 -$2.45，营收为 $2.18 十亿美元，分别较上一年增长了 +26.65% 和 +37.25% [4] 估值调整 - 最近分析师对 Affirm Holdings 的估值发生了变化，这些变化反映了短期业务趋势的演变。因此，估值的积极修订传达了分析师对公司业绩和利润潜力的信心 [5] - 研究表明，这些估值调整直接与即将到来的股价表现相关联。为了利用这一点，我们建立了 Zacks Rank，这是一个独家模型，考虑了这些估值变化并提供了一个操作评级系统 [6] Zacks Rank - Zacks Rank 系统从 1 (强热门) 到 5 (强卖出)，经第三方审计验证，自 1988 年以来，排名为 1 的股票平均年回报率为 +25%。在过去的 30 天里，Zacks Consensus EPS 估计下调了 1.54%。目前，Affirm Holdings 拥有一个 Zacks Rank 为 3 (持有) [7] 行业排名 - 商业服务行业属于商业服务部门。该行业目前的 Zacks Industry Rank 为 163，位于所有 250+ 个行业的后 36% [8] - Zacks Industry Rank 按照每个行业内各个公司的平均 Zacks Rank 从好到坏排序。我们的研究显示，排名前 50% 的行业胜过后 50% 的行业 2 倍 [9] 信息来源 - 请务必利用 Zacks.com 来及时了解所有这些影响股价的指标，在接下来的交易日中 [10]

公司业绩 - Affirm在最近一个季度实现了32%的GMV同比增长，超过了69亿美元的预期[4] - AFRM在调整后的运营利润率达到16%，远超过管理预期的2%至4%[9] - 公司预计第三季度GMV增长高达30%，收入增长高达44%，RLTC增长高达28.7%，调整后的运营利润率为6%至8%[11] - 公司已经展示了顶线增长的加速，包括上个季度32%的GMV增长率，管理层还概述了中期至少20%的GMV增长路径[16] - AFRM的RLTC占GMV的3%至4%，使得预计收入和RLTC以接近GMV的速度增长成为可能[17] - 公司目标长期净利润率为20%，如果公司能维持20%的顶线增长，那么股票的前瞻性收益约为19倍，PEG比率约为1倍[18] - 公司维持净现金资产负债表，长期净利润率为20%，股价约为40美元[19] 竞争风险 - 竞争仍然是一个重要风险，大型公司如PayPal（PYPL）和Apple Pay（AAPL）可能会成为强大的竞争对手[20] 评级建议 - AFRM在高利率环境中表现出色，GMV增长加速，收入增长正常化，利润率迅速提高，公司维持净现金资产负债表，股价交易于GARP样式的估值，我将股票评级升级为买入[21]

公司业绩 - Affirm的Q2 FY24收入和利润分别增长48%和250% YoY[1] - 公司设定了中期目标，计划以每年20%的速度增长，达到500亿美元的GMV[2] 商业模式 - 公司的商业模式包括消费者的分期付款解决方案、商家的商业解决方案和消费者应用程序[4]

消费者信心 - 加拿大消费者对自己的财务状况更有信心，82%的人计划近期进行重大购买[1] - Gen Z和Millennials中有94%和90%计划在未来几个月进行重大购买，高价格是最常被提及的挑战[2] AFRM财务展望 - AFRM预计2024财年收入将增长65个基点，需求灵活支付选项的增加将使其受益[3] 消费者挑战 - 消费者面临的主要挑战包括不确定的经济、高价格和资金不足，58%的客户希望支付选项更透明，近50%要求更灵活[4]