消费信贷公司Affirm Holdings, Inc.(AFRM)今日盘中大跌12.32%,引发市场广泛关注。公司此前公布了2024财年第一季度财报,数据显示营收同比大增40.6%至6.98亿美元,但净亏损也扩大至1.02亿美元。
财报数据喜忧参半。一方面,Affirm的营收保持强劲增长,主要得益于贷款发放量增长和服务收入上升。公司毛利率也同比提高6.5个百分点至65.5%。但另一方面,Affirm的净亏损虽同比减少41.6%,但仍超出市场预期。
分析人士指出,投资者对Affirm日益扩大的亏损、融资成本上升以及面临的多重经营风险感到担忧,导致公司股价盘中大跌。作为一家负债率较高的消费信贷公司,在加息环境下,Affirm的融资成本将进一步上升,加重其经营压力。
此外,公司还面临信用风险、资金来源受限、市场竞争加剧以及供应链风险等多重挑战。尽管管理层表示将通过规模化和效率提升来控制成本,但持续亏损可能令公司未来现金流面临压力。
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