Core Insights - Sezzle (NASDAQ: SEZL) demonstrated strong performance in Q1 2025, indicating potential for long-term success in the Buy Now, Pay Later sector [1] Financial Performance - The company is experiencing significant revenue growth, although specific figures are not provided in the text [1]

Core Viewpoint - Despite recent growth in the Buy Now, Pay Later (BNPL) industry, concerns about future performance are rising among investors, particularly due to increasing default rates and a weakening economy [2][10][14]. Company Performance - Affirm Holdings' stock has decreased by 17% in 2025 following a prediction of lower-than-expected growth for the current quarter [2]. - In the last three years, Affirm's stock has increased by 126%, reaching $52 per share, while the industry has expanded at an annual rate exceeding 50% [3]. - The company's fiscal third quarter results showed revenue of $783 million, a 36% increase year-over-year, and earnings per share of $0.01, surpassing expectations [5]. - The fourth quarter revenue guidance is set at $830 million, which is $11 million below consensus estimates, while the gross merchandise value (GMV) guidance is $9.55 billion, exceeding expectations by $350 million [5]. Industry Trends - The BNPL market has grown significantly, with an average annual growth rate of 55% since 2021, expanding from $97 billion to an estimated $560 billion in 2025 [10]. - The rise in BNPL loans has led to increased investment in the industry, but also to rising default rates among major players [10][12]. - Nearly two-thirds of BNPL loans are issued to borrowers with risky credit scores, indicating potential credit quality issues [12]. Consumer Behavior - Affirm's business is closely linked to consumer spending in sectors like electronics, apparel, and travel, with a 10% growth in active customers reaching 22 million in the third quarter [6]. - The company has introduced 0% interest loans, which have increased by 44%, as a strategy to drive sales and enhance customer lifetime value [8][9]. Market Sentiment - Wall Street analysts view Affirm's stock as undervalued, trading 29% below the average price target of $67.18 set by 21 analysts [4]. - Despite concerns, some analysts remain bullish on Affirm, citing its leadership in the BNPL space and recent partnerships, such as with Costco [17].

Block (XYZ) shares have appreciated roughly 5% in the past month and 12.7% in the past week, thanks to positive news flow, including an expanding merchant network for Cash App Afterpay, the launch of Square Handheld portable point-of-sale (POS) device, partnership with Domino’s and new Square banking tools.However, are these developments potent enough to push the XYZ stock higher this year? On a year-to-date (YTD) basis, Block shares are down 26.5% due to increasing competitive pressure and softness in cons ...

The new BNPL integration is designed to make CardCash even more accessible to shoppers who want to save money while maintaining flexibility in how they pay. Buy Now, Pay Later solutions have gained significant popularity in recent years, especially among Millennials and Gen Z consumers seeking alternatives to traditional credit. The BNPL model has seen substantial growth amid inflation and economic uncertainty, as consumers look for ways to better manage their cash flow. By incorporating this payment model, ...

A growing player in the buy now pay later (BNPL) space, Affirm Holdings, Inc. (AFRM) , recently teamed up with Cali Pass. This partnership aims to introduce flexible and customer-friendly payment options to the winter sports market, a high-spending, experience-driven consumer segment. Starting with the 2025-2026 ski season, Cali Pass customers can choose between interest-free biweekly payments or extended monthly terms while purchasing their passes or lift tickets.Cali Pass clients can avail this plan onlin ...

Mastercard Incorporated (MA) and Affirm Holdings, Inc. (AFRM) sit on two very different ends of the digital payments spectrum. Mastercard is a global legacy player with a stronghold in credit and debit card transactions. Affirm, on the other hand, is a rising disruptor in the Buy Now, Pay Later (BNPL) space, aiming to reinvent consumer credit with transparent, flexible instalment plans.Despite their differences, both companies share a common mission: facilitating consumer spending in an increasingly cashles ...

A leading player in the buy now, pay later (BNPL) space, Affirm Holdings, Inc. (AFRM) recently expanded its footprint through two major partnerships with Costco Wholesale Corporation and Mattress Firm. These strategic partnerships are designed to help consumers finance big purchases with confidence, especially during summer and Memorial Day sales.Costco.com customers can use Affirm to fund online transactions for $500 or more. They need to go through a real-time eligibility check, and approved customers can ...

Recent earnings show that the buy now, pay later (BNPL) business model is growing rapidly. One of the most established players in the payments space with BNPL offerings is PayPal NASDAQ: PYPL. The company mentioned in its latest earnings call that payment volume through its BNPL product grew by 20% in Q1. PayPal is putting a significant amount of effort into this area of growth because BNPL customers are particularly active. The company notes that these users spend 33% more on average and conduct 17% more t ...

With tariff negotiations showing signs of progress and volatility easing, it looks like the bull market may be back on track. While household names like the Magnificent 7 and leading AI giants are expected to benefit, investors willing to look off the beaten path may find even greater upside in lesser-known names.This article highlights three under-the-radar tech stocks that are already showing signs of powerful momentum and may just be getting started. Each of these companies is a high-growth innovator, ba ...

Core Viewpoint - Affirm's shares declined following a weak revenue forecast, raising concerns about CEO Max Levchin's strategy to expand through 0% loans [1][2]. Revenue Forecast - Affirm projected revenue for the current quarter to be between $815 million and $845 million, with the midpoint falling short of the $841 million average analyst estimate [2]. Business Strategy - CEO Max Levchin is focusing on 0% loans to attract consumers and foster long-term customer loyalty, even at the cost of current profit margins [2]. - The strategy aims to educate consumers on the benefits of avoiding excessive revolving interest, positioning Affirm as a competitor to credit cards [3]. Market Position - Currently, 0% loans account for 13% of Affirm's total Gross Merchandise Volume (GMV), with 80% of these loans being issued to prime and super-prime customers [3]. - Affirm's primary business involves providing point-of-sale installment loans for consumer purchases in categories such as apparel, electronics, and sporting goods [3].