Core Insights - Shopmonkey has integrated Affirm as a default pay-later provider for auto repair shops, enabling them to offer flexible financing options to customers [2][3] - This partnership aims to enhance customer satisfaction and promote long-term growth for small and medium-sized auto shops by allowing car owners to spread out maintenance costs [3] Group 1: Partnership Details - The arrangement allows car repair shops using Shopmonkey's payment processing solution to offer pay-over-time financing through Affirm [2] - Affirm's payment options will help thousands of small and medium-sized auto shops better serve their customers [2][3] Group 2: Consumer Behavior Insights - Car owners typically spend nearly $800 annually on maintenance, and the new financing option will facilitate easier payment for necessary services [3] - Research indicates that 35% of consumers made emergency purchases of at least $250 in the past year, with a median cost of $605 [4] - Approximately half of unplanned retail purchases are made using credit, with BNPL accounting for 10% of these transactions [5] Group 3: Financial Trends - Among Americans living paycheck-to-paycheck, 75% have utilized BNPL plans, indicating a significant reliance on alternative credit sources [5] - The trend towards budget-friendly payment options is influencing consumer behavior for both large and small purchases [6] - Consumers facing cash shortfalls are more likely to use BNPL, with 8.9% reporting usage compared to those without such issues [6]

Key Takeaways AFRM raised fiscal 2025 revenue guidance to $3.163-$3.193B after a strong Q3 performance. Higher GMV, more repeat customers and card revenues supported AFRM's quarterly gains. AFRM expects fiscal 2025 GMV of $35.7-$36B, up from its previous forecast of $34.74-$35.34B.A leading player in the Buy Now Pay Later (BNPL) space, Affirm Holdings Inc. (AFRM) slightly raised its full-year guidance for fiscal 2025. After a robust result in the third quarter of fiscal 2025, AFRM also raised its fourth-q ...

Growing success with the Affirm Card, an improving profit outlook, and a growing total addressable market for the buy now, pay later industry underpinned my ‘ Buy ’ stock classification for Affirm Holdings, Inc. (NASDAQ: AFRM ) .A financial researcher and avid investor with a keen eye for innovation and disruption, as well as growth buy-outs and value stocks. Keeping an eye on the pace of high tech and early growth companies, I write about current events and the biggest news surrounding the industry, and st ...

Key Takeaways AFRM has surged past its 200-day SMA, signaling a potential uptrend amid rising investor momentum. A 94% repeat user rate, 0% APR growth and new verticals are driving Affirm's BNPL expansion. Global rollout via Shopify and a valuation discount position AFRM for potential upside despite debt concerns.Shares of Affirm Holdings, Inc. (AFRM) are gaining momentum, buoyed by product innovation, a growing customer base, and strategic moves in the buy now, pay later (BNPL) space. Recently, AFRM has ...

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]

Fresh off Tuesday’s announcement that the Consumer Financial Protection Bureau (CFPB) would not treat buy now, pay later (BNPL) companies like credit card networks, Sezzle’s first quarter 2025 results highlight a company in the midst of rapid transformation, with nonfinancial developments signaling a strategic pivot toward deeper consumer engagement and platform innovation. The Minneapolis-based BNPL provider rolled out several new features this quarter, including a Pay-in-5 beta program, enhanced shopping ...