Core Viewpoint - Analysts forecast Affirm Holdings (AFRM) will report quarterly earnings of $0.28 per share, reflecting a year-over-year increase of 21.7%, with anticipated revenues of $1.06 billion, showing a 22% increase compared to the previous year [1]. Earnings Projections - The consensus EPS estimate has been revised downward by 8.7% over the past 30 days, indicating a collective reassessment by analysts [2]. - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3]. Revenue Estimates - Analysts expect 'Revenue- Merchant network' to be $313.83 million, representing a 28.2% increase from the year-ago quarter [4]. - The 'Revenue- Card network' is projected at $82.05 million, indicating a 41.1% year-over-year change [5]. - 'Revenue- Interest income' is estimated at $484.64 million, reflecting an 18.4% increase compared to the previous year [5]. - The consensus for 'Revenue- Servicing income' stands at $41.60 million, showing a 45% increase from the prior-year quarter [5]. - 'Revenue- Gain on sales of loans' is expected to reach $132.79 million, indicating a 6% increase from the prior-year quarter [6]. - Analysts project 'Gross Merchandise Volume (GMV)' to be $13,321.57 billion, up from $10,100.00 billion in the same quarter last year [6]. Consumer Metrics - The estimated number of 'Active Consumers' is projected to be 25, up from 21 a year ago [7]. - 'Transactions per Active Consumer' are forecasted to reach 6, compared to 5 in the previous year [7]. Stock Performance - Affirm Holdings shares have returned -18.6% over the past month, contrasting with the Zacks S&P 500 composite's +0.7% change, and the stock holds a Zacks Rank 3 (Hold), suggesting it is expected to mirror overall market performance in the near future [7].

Core Viewpoint - PayPal is experiencing a shift in market sentiment, with unusual call option activity indicating bullish expectations for the stock's future performance [2][3]. Group 1: Market Activity - Unusual call option activity for PayPal has increased significantly, with up to 124,040 call options traded, representing a 35% increase from the usual volume of 92,203 [3]. - The stock currently trades at $62.27, which is 67% of its 52-week high price of $93.66, suggesting potential upside for investors [6]. Group 2: Analyst Sentiment - Analysts have set a 12-month price target for PayPal at $88.00, indicating a potential upside of 41.32% from the current price [7]. - Monness Crespi & Hardt analysts reiterated a Buy rating for PayPal, estimating a fair value of up to $90 per share [8]. - The stock's short interest has declined by 11.6% over the past month, indicating a shift in sentiment among bearish investors [10]. Group 3: Earnings Forecast - Analysts forecast earnings per share (EPS) for PayPal to reach $1.39 in the fourth quarter of 2025, a 25.5% increase from the current EPS of $1.11 [11].