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) (Registrant's telephon ...

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]

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 ...

THIRD FISCAL QUARTER 2024 Affirm Shareholder Letter Internation about Affim's use of non-GAAP financial measures is provided under "Key Operating Metrics, Non-GAAP Financial Measures and Supplemental Performance Indicators" Non-GAAP Financial Measures" below, and reconcliations of GAAP results to non-GAAP results are provided in the tables at the end of this letter. 9:41 affirm e power of Now in your w his card with the Affirm Card- To pay, enter lay now and over time, without an compound interest you'd get ...

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 ...