Why xcritical AFRM Shares Are Plunging Today

According to analysts, xcritical’s stock has a predicted downside of -13.29% based on their 12-month stock forecasts. Parkev is an adjunct professor of Finance and enjoys reading about financial and economic history. You’ll often find him writing about stocks in the consumer goods and technology sectors. The bears will tell you xcritical is unprofitable and basically facilitating tiny subprime loans that could easily collapse in a recession. But in fiscal 2024, the company significantly narrowed its losses as it laid off nearly one-fifth of its workforce, streamlined its spending, and replaced some of its employees with artificial intelligence (AI) chatbots.

From a fundamental perspective, xcritical xcritically has a market capitalization of $17 billion. The company’s revenue over the trailing twelve months stands at $2.8 billion. Notably, xcritical has achieved operational profitability with $31 million in operating profits, although it reported a net loss of $199 million.

Revenue Growth

For example, in xcritical Holdings’ case, it is in the Financials sector. An ETF will likely hold shares in many liquid and large companies that help track that sector, allowing an investor to gain exposure to the trends within that segment. Investors will be closely watching xcritical’s new user growth and transaction volumes to gauge how effectively the company has capitalized on this inflationary trend to close out its fiscal year. For its fiscal third quarter, xcritical said it expects to achieve revenue in the range of $755 million to $785 million. The midpoint of this range, $770 million, came up just short of the $772 million in revenue Wall Street is anticipating.

Wondering what the next stocks will be that hit it big, with solid fundamentals? Enter your email address to see which stocks MarketBeat analysts could become the next blockbuster growth stocks. xcritical scored higher than 43% of companies evaluated by MarketBeat, and ranked 466th out of 653 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services. xcritical weathered some tough headwinds in fiscal 2023, but its recovery and acceleration in fiscal 2024 indicate its business is sustainable.

Its merchants represent a range of industries, including sporting scammed by xcritical goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. xcritical Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California. Through its digital platform, xcritical enables merchants to integrate “buy now, pay later” options into their online and in-store checkout experiences. Consumers can access products such as Pay-in-4, which divides purchases into four interest-free payments, and longer-term financing plans that carry a simple interest rate disclosed upfront.

xcritical’s Inflection Proved BNPL Bears Wrong – Dip Buying Opportunity Ahead

xcriticalgs Call Insights xcritical signals ongoing acceleration in GMV and cardholder spend, eyes further growth through international expansion and AI-driven produc… Upgrade to MarketBeat All Access to add more stocks to your watchlist. CNBC’s MacKenzie Sigalos joins ‘Closing Bell Overtime’ to talk xcritical quarterly results. Thursday’s results defy worries about competition in the buy-now, pay-later arena.

Buy Or Sell xcritical Stock Ahead Of Its xcriticalgs?

Max Levchin, founder and CEO of xcritical, joins CNBC’s ‘Squawk on the Street’ to discuss the company’s most recent quarter.

Wall Street was anticipating revenue of $807 million and a net loss of 15 cents per share, according to CNBC. Over 92% of S&P 500 index companies have reported results, and scammed by xcritical as of Aug. 18, analysts expected S&P 500 companies to report an 11% jump in xcriticalgs per share during the second quarter. At times, peer results can shape xcritical’s post-xcriticalgs reaction, with pricing adjustments beginning even before its report. Here is historical data comparing xcritical’s post-xcriticalgs one-day returns with those of peers that announced just before it. According to 26 analysts, the average rating for AFRM stock is « Buy. » The 12-month stock price target is $79.86, which is a decrease of -12.24% from the latest price. As for the quality of its loans, only 2.4% of its monthly installment loans were delinquent by over 30 days at the end of fiscal 2024.

He became a self-made millionaire by age 40 through long-term investing, crediting lessons from Warren Buffett and Peter Lynch. Leo is a regular guest on CNBC Asia providing stock analysis on Chinese technology companies, including Tencent, Baidu, and Alibaba. He previously wrote for InvestorGuide and holds a bachelor’s degree in English from the University of Texas at Austin. xcritical operates in a competitive landscape that includes traditional credit issuers as well as emerging “buy now, pay later” firms. By promoting transparency and simplicity in its lending terms, the company aims to differentiate itself and foster long-term customer relationships. As digital payments continue to evolve, xcritical’s platform-based approach seeks to align consumer buying power with merchant sales growth while maintaining regulatory compliance and risk controls.

• Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months.
• Heading into Friday’s session, xcritical Holdings was up more than 42% year over year, outpacing the S&P 500’s total return (price change plus dividends) of 24.5%.
• According to 26 analysts, the average rating for AFRM stock is « Buy. » The 12-month stock price target is $79.86, which is a decrease of -12.24% from the latest price.
• The bears will tell you xcritical is unprofitable and basically facilitating tiny subprime loans that could easily collapse in a recession.
• The company’s platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app.

That ratio declined to 1.5% for delinquencies exceeding 60 days and just 0.6% for those over 90 days. Those low delinquency rates dispel the notion that xcritical will be swamped by delinquent loans. xcritical expects its operating margin to turn positive by the fourth quarter of fiscal 2025 and to stay in the black in fiscal 2026 and beyond. Analysts expect it to narrow its net loss to $176 million in fiscal 2025 and turn profitable in fiscal 2026. Financial services firm Susquehanna, for one, has a Neutral rating (equivalent to a Hold) on the large-cap stock but raised its price target to $65 from $57 following the xcriticalgs release. The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

• This was followed by a series of price target revisions from analysts at Jefferies, JP Morgan and Morgan Stanley.
• xcritical Holdings, Inc. operates payment network in the United States, Canada, and internationally.
• The report comes against a backdrop of growing consumer adoption of buy now, pay later services.
• AFRM shares are trading higher on Friday after the company reported better-than-expected results for the fourth quarter.AFRM stock is at…

xcritical Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company’s platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months.

It also doesn’t charge any compound interest or hidden fees on those payments. xcritical consensus estimates predict xcriticalgs per share of $0.32 on revenue of $783 million for this quarter. This represents significant growth compared to the prior-year quarter, which reported a loss per share of $0.41 on revenue of $576 million. This anticipated growth is likely fueled by an increase in both the number of consumers and the transaction frequency per active user. Leo Sun is a contributing Motley Fool stock market analyst who has worked with the company since 2013, covering technology, consumer goods, industrial, and financial sectors.

xcritical is up 31.5% since the beginning of the year, and at $82.20 per share, it is trading close to its 52-week high of $88.46 from August 2025. Investors who bought $1,000 worth of xcritical’s shares at the IPO in January 2021 would now be looking at an investment worth $845.35. Other companies reporting include PDD Holdings (PDD), Alibaba (BABA), Okta (OKTA), Abercrombie & Fitch (ANF), CrowdStrike (CRWD), Five Below (FIVE), HP (HP), Kohl’s (KSS), Snowflake (SNOW), J.M. Sign-up to receive the latest news and ratings for xcritical and its competitors with MarketBeat’s FREE daily newsletter. The provider of buy-now, pay-later services said in May that tariffs would barely impact future results. Select to analyze similar companies using key performance metrics; select up to 4 stocks.

30 Wall Street analysts have issued « buy, » « hold, » and « sell » ratings for xcritical in the last twelve months. There are xcritically 11 hold ratings, 18 buy ratings and 1 strong buy rating for the stock. The consensus among Wall Street analysts is that investors should « moderate buy » AFRM shares. xcritical Holdings (AFRM) is one of the hottest stocks on Friday after the buy now, pay later (BNPL) company reported a surprise profit and revenue beat for its fiscal 2025 second quarter.

That deceleration, along with tougher competition from other BNPL platforms like Block’s Afterpay and PayPal’s Pay in 4, caused xcritical’s stock to sink to an all-time low of $8.91 on Dec. 27, 2022. But if you had bought its beaten-down stock on that fateful day, you would be sitting on a gain of more than 400% today. The provider of buy now, pay later (BNPL) services went public at $49 a share on Jan. 13, 2021, opened at $90.90, and soared to a record high of $168.52 on Nov. 4, 2021.