Affirm Holdings, Inc. (AFRM) is a digital and mobile-first commerce platform operator that has performed extremely well over the past year and has the potential to sustain momentum in the near term. Consequently, if you haven’t taken advantage of the share price appreciation yet, it’s time you add the stock to your portfolio. What Makes AFRM an Attractive Pick? An Outperformer: A glimpse at the company’s price trend reveals that the stock has had an impressive run over the year. Shares of AFRM have returned ...

Affirm Holdings, Inc. (AFRM) recently announced an expansion of its partnership with Alterra Mountain Company. This deal will enable Affirm to access all destinations of Alterra in the United States and Canada. The partnership allows the company to provide flexible and transparent payment options, like buy now pay later, to customers looking to book Ikon and mountain passes, lessons and lodging at Alterra’s destinations. Hence, this would boost Affirm’s transaction volumes. AFRM’s business model of not char ...

Buy now, pay later (BNPL) provider Affirm has launched two new payment options. The company on Thursday (June 6) announced the debt of Pay in 2 and Pay in 30, designed to offer customers more flexibility and affordability. As the name suggests, the new offerings let consumers split the cost of their purchase into two interest-free payments each month, or to pay in full interest-free within 30 days of their purchase. It joins Affirm’s Pay in 4 and monthly installment plans. “Roughly 80% of e-commerce transac ...

The Business - Services space is a major beneficiary of the broader economy and manufacturing and non- manufacturing (service) activities. While service activities are currently in good shape, their positive impacts on the industry are being partially offset by contracting economic activity in the manufacturing sector. Prudent growth strategies, innovation and technology enhancements are helping Affirm Holdings, Inc. (AFRM) , Mitie Group plc (MITFY) and SPAR Group (SGRP) to sail through challenges. About th ...

文章核心观点 - Affirm Holdings, Inc. (AFRM)拥有良好的增长前景,其Gross Merchandise Volume (GMV)增长潜力强劲,买现付后(BNPL)市场不断扩张,活跃商户数量持续上升[1] - 公司的交易量和利息收入增长为其带来了吸引人的投资机会[1] - 公司股价在过去一年内上涨85.2%,远超行业平均下跌7.9%,显示投资者信心较高[3] - 公司当前被评为Zacks Rank 2(买入),VGM评分为B,表明其具有较好的投资价值[4] - 公司当前年度收益预计同比增长40.7%,过去30天内有5次上调预测,显示业绩向好[5] - 公司当前年度收入预计达23亿美元,同比增长42.6%,得益于GMV和交易量的增加[6][7] - 公司正积极拓展海外市场,利用合作伙伴在英国和欧洲的渠道优势来提升GMV[8] - 高利率环境有利于公司的利息收入,未来利率下降也可能提升BNPL贷款量[9] 行业和公司分析 行业分析 - BNPL行业竞争加剧可能对公司构成一定压力[10] - 高利率和消费贷款需求下降可能影响公司的增长[10] 公司分析 - 公司制定了系统和战略性的行动计划,有望长期推动业绩表现[10] - 公司设定了在中期内实现500亿美元GMV的目标[7] - 公司正积极拓展海外市场,利用合作伙伴的渠道优势来提升GMV[8] - 高利率环境有利于公司的利息收入,未来利率下降也可能提升BNPL贷款量[9]

Affirm Holdings, Inc. (AFRM) recently announced its collaboration with a Canadian travel agency — FlightHub. The deal enables Affirm to provide flexible and transparent payment options, like buy now pay later (BNPL), to eligible consumers for travel bookings, which will boost its transaction volumes. AFRM’s business model of not charging any late or hidden charges further enhances its offerings. This partnership is an extension of AFRM’s existing partnership with FlightHub in the United States. The deal com ...

Rohit Chopra, director of the CFPB, testifies during a House Financial Services Committee hearing on June 14, 2023. The Consumer Financial Protection Bureau declared on Wednesday that customers of the burgeoning buy now, pay later industry must abide by the same federal protections as users of credit cards. The agency unveiled what it called an "interpretive rule" that deemed BNPL lenders essentially the same as traditional credit card providers under the decades-old Truth in Lending Act. That means the ind ...

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 ap ...

业绩总结 - 公司第一季度GMV增长36%，收入增长51%[4] - 公司的收入减去交易成本增长速度超过GMV增长速度[4] - 公司发布了强劲的调整后营业收入[4] 产品和技术 - 公司强调产品多样性使得单位经济效益非常强劲[6] - 公司表示Visa推出的Flex产品与Affirm卡功能相似，但对行业竞争持乐观态度[18] 信用管理 - 公司表示信用管理是首要任务，对信用非常谨慎[12] - 公司计划扩大信用范围，但不将信用视为增长杠杆[14] - 公司不会承诺批准率，重视信用控制，避免批准无法偿还的贷款[31] Affirm卡业务 - 公司表示Affirm卡用户数量已达到100万，卡的每用户支出和参与度仍有提升空间[22] - 公司强调Affirm卡的目标用户是那些看重分期付款而非奖励的人[24] - 公司预计未来五年将继续专注于赢得结账，扩大合作伙伴关系，以及发展Affirm卡业务[41] 市场扩张和并购 - 公司在最大的商户合作伙伴中的购物车份额仍然很低，有很大增长空间[27] - 公司将在英国推出业务，B2B机会仍处于早期阶段[35] 用户行为 - 用户在被拒绝后会重新尝试，表现出对产品的信任和忠诚[46] - 用户对产品的信任是建立在长期努力下的，而且很容易被破坏[47] - 信用卡申请流程在手机上完成，大部分信用拒绝在刷卡前发生[49]

Affirm Holdings, Inc. (NASDAQ:AFRM) JPMorgan Global Technology, Media and Communications Conference Call May 21, 2024 10:50 AM ET Company Participants Michael Linford - Chief Financial Officer Conference Call Participants Reginald Smith - JPMorgan Reginald Smith Good morning. Thanks for coming out. I'm Reggie Smith. I lead fintech research here at JPMorgan and I am pleased to chat with Michael Linford, CFO of Affirm, this morning. Welcome. Michael Linford Thank you for having me. Question-and-Answer Session ...