Core Insights - The article emphasizes the search for undervalued stocks across various sectors and geographies, highlighting the importance of identifying hidden investment opportunities [1]. Group 1 - The author is a professional portfolio manager with a background in business studies from multiple countries, including France, the U.S., and Russia [1]. - The investment strategy focuses on lesser-known and underrated stocks, suggesting a contrarian approach to investing [1]. - The author operates as a Popular Investor on eToro, where a publicly available portfolio showcases investment opinions and decisions [1]. Group 2 - The article does not provide specific financial data or performance metrics related to any particular company or industry [2][3].

Financial Performance - Sezzle achieved a Gross Merchandise Volume (GMV) growth of 74.2% year-over-year (YoY) in 2Q25[10] - Total revenue grew by 76.4% YoY, reaching $98.7 million in 2Q25[10, 34] - The company reported a net income of $27.6 million with a net income margin of 28.0% in 2Q25[10] - Adjusted EBITDA for 2Q25 was $37.9 million, representing a margin of 38.4%[10] - Total revenue less transaction-related costs accounted for 61.1% of total revenue[10] User Engagement - Monthly On-Demand & Subscribers (MODS) reached 748,000, a 62.0% YoY increase[10] - Average quarterly purchase frequency increased from 4.8x in 2Q24 to 6.1x in 2Q25[10] - Revenue Generating Users increased by 52% YoY[21] - Monthly Sessions increased by 112% YoY[21] Future Outlook - The company projects an adjusted net income of $120.0 million for FY2025, an 85.8% YoY increase[11] - Adjusted EBITDA is projected to be between $170.0 million and $175.0 million, representing a 92-98% YoY increase[11]

Core Insights - Affirm Holdings Inc. (AFRM) has raised its full-year guidance for fiscal 2025 following a strong performance in Q3, indicating confidence in its growth strategies and fundamentals [1][10] - The company expects significant growth in Gross Merchandise Value (GMV) and transaction volumes, driven by repeat customers and increased card network revenues [1][4] Financial Performance - For fiscal 2025, AFRM forecasts revenues between $3.163 billion and $3.193 billion, an increase from the previous guidance of $3.13 billion to $3.19 billion [2] - The adjusted operating margin for fiscal 2025 has been raised to a range of 23% to 23.6%, up from 22.5% to 23.5% [2] - The revenue guidance for Q4 fiscal 2025 is now projected to be between $815 million and $845 million [2] Growth Metrics - In fiscal 2023, GMV was $20.2 billion, with a year-over-year growth of approximately 32% in fiscal 2024, followed by a 36% increase in the first nine months of fiscal 2025 [3] - AFRM anticipates GMV for fiscal 2025 to be between $35.7 billion and $36 billion, an increase from the previous forecast of $34.74 billion to $35.34 billion [3][10] - The growth in GMV is attributed to partnerships with major merchants, wallet partners, and direct-to-consumer offerings [4] Competitive Landscape - Competitors such as PayPal Holdings, Inc. (PYPL) and Sezzle Inc. (SEZL) are also showing growth, with PayPal's net revenues increasing 1% year-over-year to $7.8 billion in Q1 2025 and Sezzle's GMV rising 64.1% year-over-year to $808.7 million in the same period [5][6] Stock Performance and Valuation - Over the past year, AFRM's shares have increased by 96.2%, outperforming the industry growth of 37.1% [7] - AFRM trades at a forward price-to-sales ratio of 4.94, which is below the industry average of 5.68 [8] Earnings Estimates - The Zacks Consensus Estimate for Affirm's 2025 earnings implies a growth of 100.6% from the previous year, with five upward estimate revisions in the past 60 days [12]