Category: general

Affirm (AFRM) Stock: Payment Firm Posts Big Earnings Beat as Volume Jumps 42%

Affirm Reports Strong Fiscal Q1 2026 Earnings, Beating Expectations Across the Board

Buy now, pay later company Affirm Holdings, Inc. (NASDAQ: AFRM) delivered an impressive fiscal first quarter performance that surpassed Wall Street estimates on multiple fronts. For the quarter ended September 30, Affirm reported earnings of 23 cents per share, a significant turnaround from a 31 cent loss in the same period last year. Analysts had predicted just an 11 cent profit.

Revenue surged 34% year-over-year to $933 million, beating the consensus forecast of $883 million. The company’s gross merchandise volume (GMV) also posted strong growth, climbing 42% to reach $10.8 billion, outperforming the $10.38 billion estimate.

### Debit Card Contributes $1.4 Billion in Volume, Margins Improve

Affirm’s newly launched debit card contributed $1.4 billion to its total transaction volume. Although revenue from this product came in right at expectations, totaling $69.33 million, it represents a promising addition to the company’s offerings.

The company’s adjusted operating margin expanded notably to 28.3%, up from 19% a year earlier, signaling enhanced profitability and more efficient scaling. Affirm continues to shift its revenue mix towards zero-percent interest payment plans. These plans, which generate fees from merchants rather than interest from consumers, typically carry lower margins than interest-bearing products but tend to attract customers with stronger credit profiles and larger purchase amounts.

### New Partnerships Position Affirm for Future Growth

Affirm faces competition from competitors like Klarna, Sezzle, Afterpay (Block), and PayPal but continues to secure significant partnerships with major retailers such as Amazon and Shopify. A new partnership with Apple, launched in September, now offers Affirm’s payment plans for in-store iPhone purchases at Apple retail locations—a move analysts believe could materially boost growth in 2026.

Additionally, Affirm has entered deals with Wayfair and Fanatics, further diversifying its merchant base. While Walmart recently shifted the majority of its buy now, pay later volume to Klarna, Affirm’s new partnerships help offset that loss.

### Fiscal Q2 Guidance and Stock Performance

Looking ahead, Affirm provided fiscal Q2 revenue guidance of approximately $1.045 billion, which aligns closely with analyst expectations.

Following the strong quarterly results, AFRM stock surged over 11% in after-hours trading to $73.32. The stock had dipped during the regular session but was up 7% year-to-date prior to the earnings announcement. Affirm holds an IBD Composite Rating of 81 and an Accumulation/Distribution Rating of B-minus, reflecting positive technical signals.

### Summary

Affirm’s fiscal Q1 performance highlights robust growth in revenue and volume, improved profitability, and promising progress from new product launches and partnerships. The company appears well-positioned to capitalize on expanding market opportunities within the competitive buy now, pay later space.
https://blockonomi.com/affirm-afrm-stock-payment-firm-posts-big-earnings-beat-as-volume-jumps-42/

Ripple at $2.30, $NNZ Presale Surges

**Crypto Presales XRP Price Prediction Shows Ripple Steady at $2.30, While Noomez (NZ) Presale Gains Traction Fast**

XRP continues to hold investor attention even as volatility grips the broader crypto market. Currently trading at $2.30, the token is below some expectations amid mixed forecasts for 2025 and beyond.

Despite a solid rebound earlier this quarter, XRP remains down 3.21% in the past 24 hours, leaving traders divided on its short-term momentum. Analysts tracking XRP price prediction models anticipate moderate appreciation in the next cycle; however, the ceiling looks limited compared to newer tokens entering presale phases.

The prevailing question on trading floors is simple: can Ripple reclaim explosive momentum, or are emerging projects like Noomez (NZ) setting the pace for higher returns?

—

### XRP Price Prediction 2025

Market projections for XRP in 2025 suggest gradual growth, but not the acceleration long-term holders are hoping for. According to the latest chart data, XRP could trade between $2.25 and $2.61 next year, averaging around $2.37. This translates to a potential annualized return on investment (ROI) of approximately 12.75%.

While these figures point to steady performance, they also reflect Ripple’s maturity phase. The ecosystem remains largely tied to enterprise partnerships and cross-border payment corridors, which caps the upside compared to more volatile, retail-driven assets.

**Key 2025 Metrics:**
– Minimum Price: $2.25
– Average Price: $2.39
– Maximum Price: $2.61
– Potential ROI: 12.75%

Traders describe XRP as a reliable but slow-moving asset. One analyst noted, “The path to $5 could take years unless there’s a major institutional catalyst.” The broader debate now centers on diversification, especially into early-stage projects offering stronger gain potential through presale accumulation phases.

—

### XRP Price Prediction 2026-2027

Forecasts for 2026 predict more volatility, but the expected surge remains controlled. Projections indicate XRP could reach between $2.41 and $3.61, reflecting a modest breakout from the current range.

By 2027, some analysts foresee highs near $3.68, with potential spikes above $5 during bullish months like August or September.

**Key Data Points:**
– 2026 Max Price: $3.61 (ROI up to 56.15%)
– 2027 Max Price: $5.46 (ROI up to 136.02%)
– Average 2027 Price: $3.53

Although these numbers highlight progress, XRP’s rally is forecasted to unfold gradually, contrasting with the rapid rise of new meme-based and deflationary tokens that have captured the market’s speculative capital.

Investors looking beyond slow compounding models are now turning their attention to early presales that combine transparency with visible momentum. This is where Noomez (NZ) enters the conversation.

—

### Noomez (NZ): The Presale Turning Heads Across the Market

Just days after launch, Noomez has progressed rapidly into Stage 2 of its presale — a development that has caught many analysts’ attention. The token’s price recently climbed from $0.00001 to $0.000012320, backed by $16,365.20 raised and 100 verified on-chain holders.

Unlike most meme-themed tokens, Noomez features a 28-stage deflationary structure where unsold tokens are permanently burned after each phase.

**What Makes Noomez Stand Out:**

– **Deflationary Design:** Unsold tokens are burned after every stage.
– **Referral System:** Buyers and referrers each earn a 10% bonus via share codes.
– **Stage X Million Airdrops:** Each stage ends with a random on-chain airdrop to verified holders.
– **Liquidity Lock:** 15% of the total supply will be locked post-launch through a third-party provider.

—

### Why Traders See Noomez as the Next Major Presale

While Ripple continues its measured path toward enterprise expansion, Noomez directly taps into retail energy. It combines storytelling, verifiable mechanics, and transparent economics into one ecosystem that grows more valuable with each stage.

Upcoming Vault Events at Stages 14 and 28 will introduce token burns, rewards, and staking integration. Analysts believe this hybrid model could outperform traditional tokens once it hits decentralized exchange (DEX) listings, especially given its fixed supply of 280 billion tokens and zero-minting policy.

With every transaction traceable and visible, Noomez is being referred to by some investors as the “first meme coin with math” — a project delivering measurable accountability rather than mere speculation.

For traders deciding which crypto to buy, the comparison is clear: Ripple (XRP) offers slow but stable returns, while Noomez (NZ) offers structure, transparency, and potential upside fueling early-market stories.

As the presale moves toward Stage 3, with more airdrops and burns scheduled, early investors may find this the optimal time to buy Noomez before price increases lock in higher entry costs.

—

### For More Information

– **Website:** Visit the [Official Noomez Website](#)
– **Telegram:** Join the [Noomez Telegram Channel](#)
– **Twitter:** [Noomez Twitter](#)

—

*This publication is sponsored. Coindoo does not endorse or assume responsibility for the content, accuracy, quality, advertising, products, or any other materials on this page. Readers are encouraged to conduct their own research before engaging in any cryptocurrency-related activities. Coindoo will not be liable for any damages or losses resulting from the use or reliance on any content, goods, or services mentioned. Always do your own research.*

—

### About the Author

**Alexander Zdravkov** is a seasoned crypto analyst with over 3 years of experience in the digital currency space. Known for his logical approach, Alexander skillfully identifies emerging trends and delivers in-depth analysis and daily reports, making him a valuable contributor in the world of cryptocurrencies.

—

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https://bitcoinethereumnews.com/finance/ripple-at-2-30-nnz-presale-surges/

GTA+ subscriber numbers are rising in the build up to Grand Theft Auto 6

GTA+ Subscriber Numbers Are Growing in the Lead-Up to Grand Theft Auto 6

The number of subscribers to the GTA+ service has been steadily increasing as fans anticipate the release of Grand Theft Auto 6. According to the most recent earnings call from Take-Two Interactive, CEO Strauss Zelnick confirmed that “GTA+ continued to grow its membership, achieving over 20% growth year over year” in the latest quarter.

He expressed optimism about the franchise’s engagement, stating, “We’re pleased with consumers’ ongoing passion and engagement with the franchise,” which he believes will contribute to a record-breaking launch for Grand Theft Auto 6.

The GTA+ subscription service offers a range of benefits for fans of the series. Subscribers receive monthly in-game currency drops, bonus vehicles, and unique cosmetic items in Grand Theft Auto Online. Additionally, GTA+ grants access to a curated library of games, including Grand Theft Auto: The Trilogy – The Definitive Edition on PC and consoles, as well as titles like Grand Theft Auto: Chinatown Wars on mobile devices, among other Rockstar titles.

Is the excitement surrounding GTA 6 driving this growth? It’s possible that players are exploring older games to prepare for the upcoming launch, which is now scheduled for November 19, 2026, on PlayStation 5 and Xbox Series X and Series S, following a recent delay. A PC version has yet to be announced.

Stay tuned with TechRadar for the latest updates, and don’t forget to click the Follow button!
https://www.techradar.com/gaming/consoles-pc/gta-subscriber-numbers-are-rising-in-the-build-up-to-grand-theft-auto-6

Commanders defensive coordinator makes surprising admission

Sometimes in life, you think you really understand what happened. But then you learn a few more pieces of the puzzle, and suddenly you realize you had it all wrong.

That was the case with the recent announcement that Washington Commanders defensive coordinator Joe Whitt was moving down to the sidelines during games.

The Commanders’ defense has been struggling severely, leaving receivers wide open time and time again. With their fourth consecutive loss on Sunday against Seattle, the defense surrendered four touchdowns in the Seahawks’ first four possessions. It seemed obvious that head coach Dan Quinn had seen enough and confronted Whitt, demanding a significant change. After all, the defense’s recent performance had been completely unacceptable, and Whitt’s current approach appeared mostly ineffective.

Surely, Quinn told Whitt he wanted him down on the sideline starting this week against Detroit. Surely, Quinn emphasized the need for Whitt to be more involved with his defensive personnel on the field when the offense had possession of the ball.

But no— I had it wrong. All wrong.

During his Thursday press conference, Whitt surprised everyone by revealing that it was actually him who went to Quinn to ask if he could move down to the sideline on game days.

Whitt explained that he preferred being up in the press box because it gave him a better view of the entire defense and the offensive personnel changes. However, he added, “A couple of guys have been asking for me to come down as well. And so, I think it’s time for that to happen.”

“We gotta do whatever we have to do to get a win,” Whitt continued. “The play has not been, especially this last week, to the standard at all. And like I said, that starts with me. I gotta do a better job getting the coaches to get the players to understand how we’re going to do it.”

Wow. This was not the narrative I “knew” at all.

This change was not initiated by Dan Quinn. It was not a decision imposed because terrible situations demanded a shakeup. Nor was it a mandate from the head coach about altering Whitt’s method on game days.

Instead, it was Whitt’s own idea—a proactive step from the defensive coordinator himself.

Now, with this new development, I’m not quite sure what to make of it either. But this much is clear: sometimes, what we think we understand is far from the entire story.
https://commanderswire.usatoday.com/story/sports/nfl/commanders/2025/11/07/washington-commanders-joe-whitt-surprising-admission/87136696007/

Devils host the Penguins after overtime victory

**Pittsburgh Penguins (9-4-2) vs. New Jersey Devils (10-4)**
*Metropolitan Division Matchup*
Newark, New Jersey | Saturday, 12:30 p.m. EST

**Bottom Line:**
The New Jersey Devils will host the Pittsburgh Penguins following an exciting 4-3 overtime victory against the Montreal Canadiens. The Devils hold a 10-4 overall record and are 1-1-0 within the Metropolitan Division. They have scored 50 goals while conceding 43, resulting in a +7 goal differential.

The Penguins come into the game with a 9-4-2 overall record and a strong 3-1-2 mark against Metropolitan Division opponents. Pittsburgh boasts a +13 scoring differential, having scored 54 goals and allowed 41. Saturday’s contest marks the first meeting between these two teams this season.

**Top Performers:**
– *New Jersey Devils:* Jack Hughes leads with 10 goals and 8 assists. Dawson Mercer has contributed 6 goals and 4 assists over his last 10 games.
– *Pittsburgh Penguins:* Bryan Rust has tallied 5 goals and 9 assists, while Sidney Crosby has recorded 9 goals and 5 assists in his past 10 games.

**Last 10 Games:**
– *Devils:* 7-3-0 record, averaging 3.6 goals, 5.3 assists, 3.2 penalties, and 6.7 penalty minutes per game while allowing 3 goals against on average.
– *Penguins:* 6-2-2 record, averaging 3.9 goals, 7 assists, 3.6 penalties, and 10.7 penalty minutes per game while conceding 2.5 goals per game.

**Injuries:**
– *Devils:* No injuries listed.
– *Penguins:* No injuries listed.

Stay tuned for what promises to be an exciting Metropolitan Division showdown this Saturday afternoon.
https://sports.yahoo.com/article/devils-host-penguins-overtime-victory-091043275.html

International Seaways, Inc. (INSW) Q3 2025 Earnings Call Transcript

Operator: Hello, everyone, and welcome to the International Seaways Third Quarter 2025 Earnings Conference Call. My name is Carla, and I will be coordinating your call today. [Operator Instructions]

I would now like to hand you over to your host, the General Counsel, James Small, to begin. Please go ahead when you’re ready.

—
James Small
Chief Administrative Officer, Senior Vice President, General Counsel & Secretary

Thank you, operator, and good morning, everyone. Welcome to International Seaways’ Third Quarter 2025 Earnings Call.

Before we begin, I’d like to remind you that during this call and in the accompanying presentation, management may make forward-looking statements regarding the company and the industry in which we operate. These statements may address, without limitation, the following topics:

• Outlooks for the crude and product tanker markets
• Changes in trading patterns
• Forecasts of world and regional economic activity
• Forecasts of the demand for and production of oil and petroleum products
• Our strategy and business prospects
• Expectations about revenues and expenses, including vessel, charter hire, and G&A expenses
• Estimated future bookings, TCE rates, and capital expenditures
• Projected dry dock and off-hire days
• New build vessel construction; vessel purchases and sales
• Anticipated and recent financing transactions and plans to issue dividends
• Effects of ongoing and threatened conflicts around the world
• Economic, regulatory, and political developments in the United States and globally, including the impact of protectionist trade regulations
• Our ability to achieve our financing and other objectives

Please refer to our latest SEC filings for a complete list of risk factors and forward-looking disclaimers. Now, let’s turn the call over to our CEO to discuss the quarter in more detail.
https://seekingalpha.com/article/4840094-international-seaways-inc-insw-q3-2025-earnings-call-transcript?source=feed_all_articles

Solana (SOL) Struggles to Rebound, $165 Level Proves Tough to Crack

Solana (SOL) started a fresh decline below the $165 pivot zone. Currently, SOL price is attempting to recover but faces hurdles near the $165 resistance area.

The price initially dropped below $162 and $160 against the US Dollar and is now trading below $162 and the 100-hourly simple moving average (SMA). On the hourly chart of the SOL/USD pair (data source: Kraken), a new bearish trend line has formed, with resistance at $159.

### Solana Price Faces Hurdles

After extending losses below $150, Solana saw some bullish activity similar to Bitcoin and Ethereum. SOL tested the $145 zone before starting a recovery wave. It managed to move above the $150 and $155 resistance levels, climbing past the 23.6% Fibonacci retracement level of the downward move from the $188 swing high to the $145 low.

Despite this recovery, bears remain active near the $162-$165 resistance zone. The newly formed bearish trend line with resistance at $159 continues to cap upside momentum. SOL is still trading below $162 and the 100-hourly SMA.

On the upside, immediate resistance is near $160 and along the trend line, with the next major barrier around $162. The key resistance to watch is $165 — a successful close above this level could set the pace for another steady increase.

If SOL breaks above $165, the next key resistance lies near $172, corresponding to the 61.8% Fibonacci retracement level of the downward move from $188 to $145. Further gains could potentially push the price toward the $180 level.

### Potential for Further Decline

If SOL fails to break above the $160 resistance, downward pressure may resume. Initial support is near the $150 zone, followed by stronger support around $145.

A break below $145 could lead the price toward the $138 support area. Should the price close below $138, the next significant support level to watch is near $130, indicating further downside risk in the near term.

### Technical Indicators

– **Hourly MACD:** The MACD for SOL/USD is gaining momentum in the bearish zone, signaling continued downward pressure.
– **Hourly RSI (Relative Strength Index):** The RSI remains below the 50 level, suggesting weak buying momentum.

### Key Levels to Watch

– **Major Support Levels:** $150 and $145
– **Major Resistance Levels:** $160 and $165

In summary, Solana is at a critical juncture. Traders should watch for a decisive break above $165 to confirm a bullish reversal, while a failure to overcome $160 resistance could lead to further declines toward key support zones.
https://bitcoinethereumnews.com/tech/solana-sol-struggles-to-rebound-165-level-proves-tough-to-crack/

Cardinal Newman, behind 5 TDs from twin QB, beats Acalanes for NCS Division II title

Acalanes showed fight and played a nearly even second half in the first-ever NCS Division II flag football championship.

However, Cardinal Newman proved to be too much for the Dons, ultimately securing the victory.
https://www.mercurynews.com/2025/11/06/cardinal-newman-acalanes-ncs-flag-football-championship-east-bay-california/

Hong Kong Sixes 2025: “It’s no surprise…” – Joe Denly heaps praise on once-teammate Shubman Gill’s swift rise [Exclusive]

Little over a month ago, Joe Denly was grinding it out in the County Championship with Kent in Canterbury in a Division Two clash against Lancashire. Fast forward to now, he is in a different corner of the world, leading the England outfit in the 2025 Hong Kong Sixes, which just goes on to show you that modern cricket never ceases to amaze.

As a certified veteran of the game, Joe Denly has nearly experienced all that cricket has to offer. Whether it be the rigors of first-class cricket, featuring for your country across all formats, experiencing franchise cricket, or now even dipping a toe in unconventional formats, it has been quite a journey—from cricket’s purest form to its strangest.

Joe Denly opened up about his upcoming challenge at the Hong Kong Sixes as he leads England, his experience while sharing the dressing room with Shubman Gill in the 2019 Indian Premier League (IPL), his thoughts on the upcoming 2025-26 Ashes, and much more. Excerpts from Joe Denly’s exclusive interview with Sportskeeda:

—

### Q. For nearly everyone, Hong Kong Sixes represents memories of balls just flying out of the park, but is there more to it than just pure slogging? Especially for someone like you who has over 250 first-class games. Could this particular environment be any more different than what you are used to?

**Joe Denly:** I think that the basics of trying to hit sixes do not really change much, and I guess it is about trying to stake your pose at the moment, not looking too far ahead. If you do that, hopefully, that’s a good recipe for doing well.

—

### Q. You obviously have leadership experience across formats when it comes to conventional cricket. However, what are the different things that you need to keep in mind while leading in such an unorthodox form of cricket? Will you be channelling Bazball for the Hong Kong Sixes?

**Joe Denly:** It’s about trying to have fun, and that is the message I will be relaying to the team. You’re probably going to get hit for a few sixes, and that’s okay. You are coming up against good, quality players on quite a small ground. As a bowler, you have to really back yourself and try to stay in the moment.

As a batter, it’s about trying not to look too far ahead. If you do the basics pretty well, then you should be okay. Ultimately, it’s about keeping the lads relaxed and entertaining the crowd, which hopefully will be well supported.

—

### Q. You have several youngsters on your side, like Dan Mousley and James Coles, who are future prospects for England. How much do you think a good campaign at the Hong Kong Sixes will help them in their selection and international career, or is it completely irrelevant?

**Joe Denly:** The team that has been selected — the ECB (England and Wales Cricket Board) have certainly played a part in that. These are guys who are very highly thought of in England, kind of on the cusp of white-ball selection.

They were probably unlucky not to be involved with the England Lions this winter, so I am sure selectors will be keeping an eye on this competition and seeing how those guys perform. Hopefully, they can put in some really strong performances. You never know — you might even get a late call-up to some squad later this winter.

—

### Q. On your IPL debut, you opened with none other than Shubman Gill. Were there any early signs that he would reach where he is now? What were your observations about this prodigal player who was just looking to make his mark at the time?

**Joe Denly:** Shubman was certainly a young player with an abundance of talent. Very calm character, so it’s no surprise that he has gone on to achieve what he has.

He’s very highly thought of in India and around the world. He continues to impress, and that comes as no surprise. Unfortunately, I did open the batting with him, but I only lasted one ball, sadly, so I didn’t get a chance to build a partnership.

It’s great to see what he is achieving now — he’s going to be a superstar for many years.

—

### Q. Is there anything in particular that you fondly recall from that IPL season, given that you shared the dressing room with players like Rinku Singh, Kuldeep Yadav, and Prasidh Krishna, who are all part of the Indian squad now?

**Joe Denly:** It was an incredible couple of months in India—just to experience the IPL, the atmosphere, and the excitement wherever you travelled.

I shared the dressing room with some Indian stars who are still playing now. Very fond memories. I always enjoy keeping track of their progress; it’s great to see them perform on the world stage.

—

### Q. As one of the few active players who has played the game for over two decades, what are your thoughts on how the game has changed and where it is headed? How much has this rapid change affected your career?

**Joe Denly:** Nowadays, young players coming into the game are completely fearless. When I started, it was about scoring hundreds and batting for long periods.

Now, it has kind of flipped — you still look to score runs, of course, but also to entertain. There’s absolutely no fear of failure.

The shots people play now, all around the ground and 360 degrees, are incredible. I grew up trying to play straight down the ground with a high elbow and solid balance, but now guys even in Test cricket are flicking it over fine leg and reverse scooping — really taking the game on.

It makes for a great watch and a great brand of cricket. It’s not just England labelled with Bazball; teams have been playing like this for a long time. It’s great to see and great to watch. The game of cricket is just getting better and better.

—

### Q. We recently saw James Anderson extend his contract with Lancashire. Do you plan to extend your career as long as he has?

**Joe Denly:** Not sure. I turn 40 next year, so as long as I’m still enjoying it and having an impact on the field—performing and trying to win games for Kent—then who knows?

It also depends on staying fit. Red-ball cricket might not be my focus over the next few years; probably more T20 cricket and maybe a little coaching as well. I’m not sure I’ll be playing into my mid-40s like Jimmy Anderson, but you never know!

—

### Q. You have been in the thick of action when it comes to the Ashes. Do you believe this is England’s best shot in a long time? For several players this is their first time on Australian soil; what advice would you have for them?

**Joe Denly:** We certainly have a very good squad going out there. People say it’s our best chance in a long while—I remember playing in the 2019 Ashes series, and I never once thought we couldn’t win.

The teams have changed a lot since then, with quite a few new faces, but England definitely has a great chance.

This is an exciting team, brilliantly led by Ben Stokes and Brendon McCullum. There has been quite a lot of chatter, as you’d expect, with Australians critiquing the way we play—the Bazball style and everything.

It’s going to be a really intriguing series to watch, and I can’t wait for it to get started.

—

Joe Denly’s journey—from traditional cricket to embracing modern and unconventional formats—reflects the evolving nature of the game, while his leadership and experience continue to inspire the next generation of cricketers.
https://www.sportskeeda.com/cricket/news-hong-kong-sixes-2025-it-s-surprise-joe-denly-heaps-praise-once-teammate-shubman-gill-s-swift-rise-exclusive

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