Affirm Holdings, Inc.（股票代码：AFRM）今日盘中股价大跌8.61%，引发市场关注。这一跌幅主要源于公司最新财报中对第四季度的营收预测未达分析师预期。
尽管Affirm在2025财年第三季度业绩表现强劲，但投资者对公司的未来增长前景产生担忧。公司对第四季度的营收预测为8.15亿至8.45亿美元，中值8.3亿美元低于分析师预估的8.41亿美元。此外，Affirm表示预计第四季度商品交易总额（GMV）增长率将从4月份的水平趋缓，这进一步加剧了市场的担忧情绪。
值得注意的是，Affirm在第三季度实现每股收益1美分，超出市场预期的每股亏损3美分；净利润为280万美元，较去年同期亏损1.339亿美元显著改善。尽管面临短期压力，公司仍保持一些积极因素，如第四季度GMV预期95.5亿美元中值高于市场预期，以及重申2025财年第四季度实现GAAP净盈利的目标。此外，公司活跃用户总数已增至2200万，"Affirm Card"业务GMV同比增长115%，显示出业务持续扩张。然而，在当前宏观经济环境下，投资者对消费支出前景的担忧可能会继续影响Affirm的股价表现。
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