Howdy.
Not sure what my intentions are here, i'm not gonna post some deep dive AI slop.
But this is one of my highest conviction plays - in the sense that i believe it can easily go up 100% in a short time. Not something i'm planning on staying in for years, but i think it has a lot of potential short term with relatively low risk.
They just reported their earnings today after market close. They have crushed earnings for several quarters and today was no exception. Beat estimates quite a lot. Increased guidance as well. Up 18% after hours. I'll post a few numbers from today but i'm really just curious how many other people are holding this, what are your expectations and time horizon? I'm not particularly a fan of BNPL and i have no faith in Klarna and Affirm. This one, however, is a favourite of mine. What glaringly obvious red flag or risks am i missing?
From Grok:
* **Q4 EPS**: $1.21 (beat consensus estimates of around $0.96–$0.98 by $0.23–$0.25, a beat of \~23–26%)
* **Q4 Revenue**: Approximately $129.9 million (up \~32% YoY; slight beat on estimates around $128.3 million)
* Other Q4 highlights: GMV (Gross Merchandise Volume) reached $1.2 billion (+35.3% YoY); net income rose to $42.7 million (+68% YoY)
* Full FY 2025: Revenue $450.3 million (+66.1% YoY); net income $133.1 million (+69.5% YoY); adjusted net income $128.4 million (+96.6% YoY)
**Guidance (raised/updated for FY 2026)**:
* Adjusted Net Income per Diluted Share: $4.70 (raised from prior $4.35; well above prior consensus around $3.94–$4.33)
* Adjusted Net Income: $170 million
* Revenue growth: 25%–30% YoY (implying revenue in the \~$562–$585 million range, above prior consensus \~$515 million)