消费信贷公司Affirm Holdings, Inc. (AFRM)今日公布了2024财年第一季度财报,财报数据喜忧参半,公司股价盘后一度大跌逾6%。
财报显示,Affirm第一财季净亏损达1.02亿美元,同比减少41.6%。但营收方面表现强劲,总收入为6.98亿美元,同比大增40.6%,主要得益于贷款发放量增长和服务收入上升。公司毛利率为65.5%,同比提高6.5个百分点,主因为单位成本下降。
管理层对公司未来发展持乐观态度。他们表示,预计通过持续扩大商户网络、推出新产品以及深化与现有商户的合作等,将维持收入的良好增长势头。不过,为支持业务发展,信贷成本和资金成本也将持续上升,管理层将通过规模化和效率提升来抵消部分成本影响。但公司目前面临着信用风险、资金来源受限、加息环境下资金成本增加、市场竞争加剧以及供应链风险等多重经营风险。同时,由于亏损持续扩大,公司未来现金流或将面临压力。
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