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2021-12-17

Another FUD news by the fools [Facepalm]

Why Shares of Affirm Are Falling<blockquote>为什么Affirm股价下跌</blockquote>

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The shares closed Thursday down more than 10.5%<blockquote>先买后付 (BNPL) 公司股票肯定控股（纳斯达克股票代码：AFRM）在交易的最后一小时下跌近 15%，原因是科技股和成长型股继续面临压力，并且监管机构开始更深入地研究 BNPL 领域。该股周四收盘下跌超过 10.5%</blockquote> So what<blockquote>那又怎样</blockquote> Tech and&nbsp;growth stocks&nbsp;have had a tough month, as investors worry about higher inflation and likely interest rate hikes next year, which are never good for growth stocks. The market appeared to be recovering after the Federal Open Market Committee (FOMC) wrapped up its final meeting of the year yesterday. Following the meeting, the FOMC announced that it will speed up the tapering of its bond purchases, and most members of the committee expect to see three rate hikes next year.<blockquote>科技股和成长型股度过了艰难的一个月，因为投资者担心明年通胀上升和可能加息，这对成长型股来说从来都不是好事。联邦公开市场委员会（FOMC）昨天结束今年最后一次会议后，市场似乎正在复苏。会后，FOMC宣布将加快缩减债券购买规模，该委员会大多数成员预计明年将加息三次。</blockquote> But the market once again sold off tech and growth today, as the Bank of England raised interest rates, and investors continued to worry about inflation.<blockquote>但今天市场再次抛售科技和增长，因为英国央行加息，投资者继续担心通胀。</blockquote> More specific to Affirm, the Consumer Financial Protection Bureau (CFPB) asked the company, along with several others, to provide information on the BNPL loans they were issuing.<blockquote>更具体地说，消费者金融保护局 (CFPB) 要求该公司以及其他几家公司提供有关他们发放的 BNPL 贷款的信息。</blockquote> \"Buy now, pay later is the new version of the old layaway plan, but with modern, faster twists where the consumer gets the product immediately but gets the debt immediately, too,\" CFPB Director Rohit Chopra said in a statement. Chopra said that his agency has ordered Affirm,&nbsp;Afterpay, Klarna,&nbsp;PayPal, and&nbsp;Zip&nbsp;to submit information so that it can report to the public about industry practices and risks.<blockquote>CFPB 主任罗希特·乔普拉 (Rohit Chopra) 在一份声明中表示：“先买后付是旧分期付款计划的新版本，但具有现代、更快的转折，消费者可以立即获得产品，但也可以立即获得债务。”乔普拉说，他的机构已经下令确认，后付费,克拉纳,PayPal，和拉链提交信息，以便向公众报告行业惯例和风险。</blockquote> The order comes after analysts at&nbsp;Mizuho&nbsp;recently said they estimated that more than half of Affirm users who earn less than $75,000 have missed at least one payment.<blockquote>该命令是在分析师瑞穗最近表示，他们估计，收入低于 75,000 美元的 Affirm 用户中有一半以上至少错过了一次付款。</blockquote> Now what<blockquote>现在呢</blockquote> Rising rates increase the cost of debt for borrowers, so if this many borrowers at Affirm are missing payments with rates this low, then it's hard to believe loans issued next year at higher rates would fare better.<blockquote>利率上升会增加借款人的债务成本，因此，如果 Affirm 的这么多借款人在如此低的利率下拖欠还款，那么很难相信明年以更高利率发放的贷款会更好。</blockquote> Affirm is an innovative company, but it trades at too high a valuation right now, given its lack of profitability and the associated risk.<blockquote>Affirm 是一家创新型公司，但鉴于其缺乏盈利能力和相关风险，目前其估值过高。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Why Shares of Affirm Are Falling<blockquote>为什么Affirm股价下跌</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhy Shares of Affirm Are Falling<blockquote>为什么Affirm股价下跌</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMotley Fool2021-12-17 10:55\n\n</h4>\n</header>\n<article>\nWhat happened<blockquote>发生了什么事</blockquote> Shares of the buy now, pay later (BNPL) company&nbsp;Affirm Holdings(NASDAQ:AFRM)were nearly 15% lower in the final hour of trading, as tech and growth stocks continued to come under pressure and as regulators began to look deeper into the BNPL space. The shares closed Thursday down more than 10.5%<blockquote>先买后付 (BNPL) 公司股票肯定控股（纳斯达克股票代码：AFRM）在交易的最后一小时下跌近 15%，原因是科技股和成长型股继续面临压力，并且监管机构开始更深入地研究 BNPL 领域。该股周四收盘下跌超过 10.5%</blockquote> So what<blockquote>那又怎样</blockquote> Tech and&nbsp;growth stocks&nbsp;have had a tough month, as investors worry about higher inflation and likely interest rate hikes next year, which are never good for growth stocks. The market appeared to be recovering after the Federal Open Market Committee (FOMC) wrapped up its final meeting of the year yesterday. Following the meeting, the FOMC announced that it will speed up the tapering of its bond purchases, and most members of the committee expect to see three rate hikes next year.<blockquote>科技股和成长型股度过了艰难的一个月，因为投资者担心明年通胀上升和可能加息，这对成长型股来说从来都不是好事。联邦公开市场委员会（FOMC）昨天结束今年最后一次会议后，市场似乎正在复苏。会后，FOMC宣布将加快缩减债券购买规模，该委员会大多数成员预计明年将加息三次。</blockquote> But the market once again sold off tech and growth today, as the Bank of England raised interest rates, and investors continued to worry about inflation.<blockquote>但今天市场再次抛售科技和增长，因为英国央行加息，投资者继续担心通胀。</blockquote> More specific to Affirm, the Consumer Financial Protection Bureau (CFPB) asked the company, along with several others, to provide information on the BNPL loans they were issuing.<blockquote>更具体地说，消费者金融保护局 (CFPB) 要求该公司以及其他几家公司提供有关他们发放的 BNPL 贷款的信息。</blockquote> \"Buy now, pay later is the new version of the old layaway plan, but with modern, faster twists where the consumer gets the product immediately but gets the debt immediately, too,\" CFPB Director Rohit Chopra said in a statement. Chopra said that his agency has ordered Affirm,&nbsp;Afterpay, Klarna,&nbsp;PayPal, and&nbsp;Zip&nbsp;to submit information so that it can report to the public about industry practices and risks.<blockquote>CFPB 主任罗希特·乔普拉 (Rohit Chopra) 在一份声明中表示：“先买后付是旧分期付款计划的新版本，但具有现代、更快的转折，消费者可以立即获得产品，但也可以立即获得债务。”乔普拉说，他的机构已经下令确认，后付费,克拉纳,PayPal，和拉链提交信息，以便向公众报告行业惯例和风险。</blockquote> The order comes after analysts at&nbsp;Mizuho&nbsp;recently said they estimated that more than half of Affirm users who earn less than $75,000 have missed at least one payment.<blockquote>该命令是在分析师瑞穗最近表示，他们估计，收入低于 75,000 美元的 Affirm 用户中有一半以上至少错过了一次付款。</blockquote> Now what<blockquote>现在呢</blockquote> Rising rates increase the cost of debt for borrowers, so if this many borrowers at Affirm are missing payments with rates this low, then it's hard to believe loans issued next year at higher rates would fare better.<blockquote>利率上升会增加借款人的债务成本，因此，如果 Affirm 的这么多借款人在如此低的利率下拖欠还款，那么很难相信明年以更高利率发放的贷款会更好。</blockquote> Affirm is an innovative company, but it trades at too high a valuation right now, given its lack of profitability and the associated risk.<blockquote>Affirm 是一家创新型公司，但鉴于其缺乏盈利能力和相关风险，目前其估值过高。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.fool.com/investing/2021/12/16/why-shares-of-affirm-are-falling-today/\">Motley Fool</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AFRM":"Affirm Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/12/16/why-shares-of-affirm-are-falling-today/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1130721176","content_text":"What happened\nShares of the buy now, pay later (BNPL) company Affirm Holdings(NASDAQ:AFRM)were nearly 15% lower in the final hour of trading, as tech and growth stocks continued to come under pressure and as regulators began to look deeper into the BNPL space. The shares closed Thursday down more than 10.5%\nSo what\nTech and growth stocks have had a tough month, as investors worry about higher inflation and likely interest rate hikes next year, which are never good for growth stocks. The market appeared to be recovering after the Federal Open Market Committee (FOMC) wrapped up its final meeting of the year yesterday. Following the meeting, the FOMC announced that it will speed up the tapering of its bond purchases, and most members of the committee expect to see three rate hikes next year.\nBut the market once again sold off tech and growth today, as the Bank of England raised interest rates, and investors continued to worry about inflation.\nMore specific to Affirm, the Consumer Financial Protection Bureau (CFPB) asked the company, along with several others, to provide information on the BNPL loans they were issuing.\n\"Buy now, pay later is the new version of the old layaway plan, but with modern, faster twists where the consumer gets the product immediately but gets the debt immediately, too,\" CFPB Director Rohit Chopra said in a statement. Chopra said that his agency has ordered Affirm, Afterpay, Klarna, PayPal, and Zip to submit information so that it can report to the public about industry practices and risks.\nThe order comes after analysts at Mizuho recently said they estimated that more than half of Affirm users who earn less than $75,000 have missed at least one payment.\nNow what\nRising rates increase the cost of debt for borrowers, so if this many borrowers at Affirm are missing payments with rates this low, then it's hard to believe loans issued next year at higher rates would fare better.\nAffirm is an innovative company, but it trades at too high a valuation right now, given its lack of profitability and the associated risk.","news_type":1,"symbols_score_info":{"AFRM":0.9}},"isVote":1,"tweetType":1,"viewCount":4843,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":34,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/690764198"}