美版"花呗" affirm holdings 公布第四财季财报，营收和利润超出预期，周五股价飙升10.59%。 数据显示，该公司Q4营收同比增长33%至8.76亿美元，好于市场预期的8.37亿美元;净利润为 6920万美元，上年同期则亏损4510万美元;每股收益为20美分，也好于市场预期的11美分。 第四财季商品交易总额(GMV)同比增长43%，达到104亿美元。 该公司在致股东的信中表示： "这种持续的执行使得Affirm在2025财年第四季度实现了营业利润， 完全符合我们一年前所承诺的时间表。" Affirm预计2026财年第一季度营收将在8.55亿美元至8.85亿美元之间，而商品交易总额将在101 亿美元至104亿美元之间。 截至周五美股收盘，Affirm股价年内已上涨超40%，超过了 纳斯达克 指数12%的涨幅。 Affirm于2021年上市，目前在电子商务领域面临着日益激烈的竞争。该公司与 亚马逊 和 shopify 建立了合作关系，但另一个合作伙伴 沃尔玛 最近转向了竞争对手Klarna，后者预计 将很快上市。 去年，Affirm还宣布与 苹果 达成协议。 德意志银行宣布将美国金融科技公司Affi ...

Core Insights - Affirm Holdings (AFRM.US) experienced a significant increase of over 16%, reaching a three-and-a-half-year high of $93.33 following the release of its Q4 earnings report [1] Financial Performance - Q4 revenue grew by 33% year-over-year to $876 million, surpassing market expectations of $837 million [1] - The company reported a net profit of $69.2 million, a turnaround from a loss of $45.1 million in the same quarter last year [1] - Earnings per share (EPS) were 20 cents, exceeding market expectations of 11 cents [1] Transaction Metrics - The total gross merchandise volume (GMV) for Q4 increased by 43% year-over-year, reaching $10.4 billion [1] Strategic Outlook - The company stated in its shareholder letter that its consistent execution has led to achieving operating profit in Q4 of fiscal year 2025, aligning with the timeline promised a year ago [1]

Core Viewpoint - Affirm Holdings reported better-than-expected Q4 revenue and profit, leading to an 18% surge in stock price during after-hours trading [1] Financial Performance - Q4 revenue increased by 33% year-over-year to $876 million, surpassing market expectations of $837 million [1] - Net profit reached $69.2 million, a significant improvement from a loss of $45.1 million in the same period last year [1] - Earnings per share were $0.20, exceeding market expectations of $0.11 [1] Transaction Metrics - Total Gross Merchandise Volume (GMV) for Q4 grew by 43% year-over-year, reaching $10.4 billion [1] Future Guidance - Affirm projects Q1 FY2026 revenue to be between $855 million and $885 million, with GMV expected to be between $10.1 billion and $10.4 billion [1] Stock Performance - Affirm's stock has risen 31% year-to-date, outperforming the Nasdaq index, which has increased by 12% [1] Competitive Landscape - Affirm faces increasing competition in the e-commerce sector, having established partnerships with Amazon and Shopify, while Walmart has shifted to competitor Klarna [1] - The company announced a partnership with Apple last year [1]