8月29日周五，美国"先买后付"金融科技公司 Affirm Holdings, Inc. 盘初暴涨23%。根据Affirm公布的2025财年第四季度业绩，公司营收同比增长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，扭转了去年同期4510万美元的亏损。每股收益为20美分，也远超分析师平均预期的11美分。更值得注意的是，公司预测2026财年的商品交易总值(GMV)将超过460亿美元，高于华尔街分析师460.67亿美元的一致预期。
多家券商在财报发布后上调了Affirm的目标股价。公司强劲的业绩和指引反映了消费者支出保持韧性，尤其是在日用百货、电子产品、旅游和票务以及时尚美容等品类。分析师普遍认为，Affirm有望继续保持30%以上的GMV同比增长，并最终发展成为与传统销售点信用卡提供商comparable的规模。
然而，也有分析师指出，由于来自传统信用卡和其他金融科技公司的竞争加剧，短期内Affirm的利润率可能面临一定压力。
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