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10-22

What is the expected service now stock price

Earning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish

06-09

No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest

Affirm publishes investor presentation outlining buy-now-pay-later products and growth strategy

Go to Tiger App to see more news

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is the expected service now stock price","listText":"What is the expected service now stock price","text":"What is the expected service now stock price","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/620853381701768","repostId":"1101740538","repostType":2,"repost":{"id":"1101740538","kind":"news","weMediaInfo":{"introduction":"Focus on earnings forecast and in-depth analysis","home_visible":1,"media_name":"Earnings Agent","id":"1025659746","head_image":"https://community-static.tradeup.com/news/decf3d8a922fc5c1c1d787bf8b36173f"},"pubTimestamp":1792561045,"share":"https://ttm.financial/m/news/1101740538?lang=en_US&edition=fundamental","pubTime":"2026-10-21 13:37","market":"hk","language":"en","title":"Earning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish","url":"https://stock-news.laohu8.com/highlight/detail?id=1101740538","media":"Earnings Agent","summary":"Abstract ServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins,...","content":"<html><head></head><body><p></p><h2>Abstract</h2>\nServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins, profitability, and EPS dynamics into the print.\n<h2>Market Forecast</h2>\nConsensus points to revenue of 4.09 billion US dollars for the current quarter, up 22.13% year over year, with an estimated EBIT of 1.28 billion US dollars and estimated EPS of 1.03, while year-over-year growth rates for EPS and EBIT are 20.42% and 24.66% respectively. Gross margin and net margin guidance are not explicitly provided by consensus; based on company trajectory and prior-quarter levels, investors are tracking gross profit margin around the high-60s to low-70s and net profit margin behavior relative to subscription scale and efficiency.\nManagement’s outlook emphasizes sustained expansion in subscription revenue and steady professional services contributions; the core highlights revolve around workflow platform adoption and upsell into enterprise customers. The most promising segment is subscriptions at 3.88 billion US dollars last quarter, with robust year-over-year momentum implied by a 24.01% revenue growth baseline and continued cross-sell into IT Service Management, Customer and Employee Workflows, and platform automation suites.\n<h2>Last Quarter Review</h2>\nServiceNow delivered revenue of 3.99 billion US dollars, a gross profit margin of 70.68%, GAAP net profit attributable to shareholders of 298.00 million US dollars, a net profit margin of 7.47%, and adjusted EPS of 0.90, with revenue and adjusted EPS growing 24.01% and 10.02% year over year respectively. A key highlight was outperformance versus prior estimates with both revenue and EBIT beating, supported by disciplined execution and large-deal momentum.\nMain business highlights included subscription revenue of 3.88 billion US dollars and professional services and other revenue of 110.00 million US dollars, reinforcing the dominance of high-margin subscriptions in the mix and a durable services layer to support adoption and implementations.\n<h2>Current Quarter Outlook</h2>\n<h3>Main business: Subscription workflows and platform expansion</h3>\nThe subscription engine remains the principal driver this quarter, supported by broad-based adoption across IT service management, IT operations, customer and employee workflows, and hyperautomation modules. With subscriptions accounting for roughly 97% of the revenue mix last quarter, incremental growth hinges on seat expansion, higher attach of premium SKUs, and durability of renewal rates among large enterprises. The company’s pipeline commentary last quarter implied healthy large-deal execution, and investors will watch billings and remaining performance obligations for confirmation. Price/packaging mixes and upsell into AI-enabled features are likely to influence unit economics and could modestly lift average contract values. Against a macro backdrop where IT budgets remain under scrutiny, visibility into multiyear agreements and renewal cohorts will be critical to sustaining 20%+ top-line growth.<p></p>\n<p></p><h3>Most promising business: AI-enabled automation and cross-workflow adoption</h3>\nAI-driven automation layered onto existing workflows is emerging as the fastest-expanding opportunity, deepening integration across IT, customer, and employee domains while enabling measurable productivity outcomes. The subscriptions segment, at 3.88 billion US dollars last quarter, underpins this opportunity through cross-workflow adoption, adding modules that address incident resolution, case deflection, and developer productivity. Year-over-year growth markers suggest a revenue run-rate expanding in the low-20s, and the AI monetization motion could support above-company growth within select modules, particularly where inference and generative capabilities compress resolution times. This quarter, the market will closely track large deal counts with AI attachments, early customer references impacting expansion behavior, and any commentary on differential pricing for AI features that could lift revenue per customer.<p></p>\n<p></p><h3>Stock-price drivers this quarter</h3>\nThe stock’s near-term reaction will likely center on new subscription ACV, net retention, and billings growth relative to revenue growth to judge forward momentum into 2027. Margins will be a focal point given prior-quarter gross margin at 70.68% and the balance between growth investment and operating efficiency; any incremental opex tied to AI go-to-market or R&amp;D could weigh on near-term operating leverage. Guidance for subscription revenue and full-year outlook will be crucial, as the prior quarter included a raised view that buoyed the shares; the market will gauge whether elevated expectations reset the bar or if pipeline strength supports another uplift. Currency exposure is typically modest but can affect reported metrics; investors will also monitor linearity and deal timing given seasonal patterns around October closing. Finally, commentary on customer budgets in large enterprises and public sector, plus evidence of cross-sell momentum, will shape sentiment on durability of growth into the December quarter.<p></p>\n<p></p><h2>Analyst Opinions</h2>\nBullish opinions dominate recent commentary and previews, with the majority emphasizing resilient subscription growth, expanding AI-driven monetization, and supportive billings/remaining performance obligations trends ahead of the report. Several well-followed sell-side institutions highlight upside risk to subscription revenue and stable to improving operating metrics, citing the prior-quarter beat and raised outlook as evidence of momentum; they underscore a constructive stance into October 28, 2026 Post-Mkt. Analysts point to potential upside if large-deal activity remains firm and if management’s guidance cadence signals confidence in sustained low-20s revenue growth, while noting watchpoints around macro budget scrutiny and AI investment pacing.<p></p></body></html>","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>Earning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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\">\nEarning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1025659746\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/decf3d8a922fc5c1c1d787bf8b36173f);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Earnings Agent </p>\n<p class=\"h-time\">2026-10-21 13:37</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p></p><h2>Abstract</h2>\nServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins, profitability, and EPS dynamics into the print.\n<h2>Market Forecast</h2>\nConsensus points to revenue of 4.09 billion US dollars for the current quarter, up 22.13% year over year, with an estimated EBIT of 1.28 billion US dollars and estimated EPS of 1.03, while year-over-year growth rates for EPS and EBIT are 20.42% and 24.66% respectively. Gross margin and net margin guidance are not explicitly provided by consensus; based on company trajectory and prior-quarter levels, investors are tracking gross profit margin around the high-60s to low-70s and net profit margin behavior relative to subscription scale and efficiency.\nManagement’s outlook emphasizes sustained expansion in subscription revenue and steady professional services contributions; the core highlights revolve around workflow platform adoption and upsell into enterprise customers. The most promising segment is subscriptions at 3.88 billion US dollars last quarter, with robust year-over-year momentum implied by a 24.01% revenue growth baseline and continued cross-sell into IT Service Management, Customer and Employee Workflows, and platform automation suites.\n<h2>Last Quarter Review</h2>\nServiceNow delivered revenue of 3.99 billion US dollars, a gross profit margin of 70.68%, GAAP net profit attributable to shareholders of 298.00 million US dollars, a net profit margin of 7.47%, and adjusted EPS of 0.90, with revenue and adjusted EPS growing 24.01% and 10.02% year over year respectively. A key highlight was outperformance versus prior estimates with both revenue and EBIT beating, supported by disciplined execution and large-deal momentum.\nMain business highlights included subscription revenue of 3.88 billion US dollars and professional services and other revenue of 110.00 million US dollars, reinforcing the dominance of high-margin subscriptions in the mix and a durable services layer to support adoption and implementations.\n<h2>Current Quarter Outlook</h2>\n<h3>Main business: Subscription workflows and platform expansion</h3>\nThe subscription engine remains the principal driver this quarter, supported by broad-based adoption across IT service management, IT operations, customer and employee workflows, and hyperautomation modules. With subscriptions accounting for roughly 97% of the revenue mix last quarter, incremental growth hinges on seat expansion, higher attach of premium SKUs, and durability of renewal rates among large enterprises. The company’s pipeline commentary last quarter implied healthy large-deal execution, and investors will watch billings and remaining performance obligations for confirmation. Price/packaging mixes and upsell into AI-enabled features are likely to influence unit economics and could modestly lift average contract values. Against a macro backdrop where IT budgets remain under scrutiny, visibility into multiyear agreements and renewal cohorts will be critical to sustaining 20%+ top-line growth.<p></p>\n<p></p><h3>Most promising business: AI-enabled automation and cross-workflow adoption</h3>\nAI-driven automation layered onto existing workflows is emerging as the fastest-expanding opportunity, deepening integration across IT, customer, and employee domains while enabling measurable productivity outcomes. The subscriptions segment, at 3.88 billion US dollars last quarter, underpins this opportunity through cross-workflow adoption, adding modules that address incident resolution, case deflection, and developer productivity. Year-over-year growth markers suggest a revenue run-rate expanding in the low-20s, and the AI monetization motion could support above-company growth within select modules, particularly where inference and generative capabilities compress resolution times. This quarter, the market will closely track large deal counts with AI attachments, early customer references impacting expansion behavior, and any commentary on differential pricing for AI features that could lift revenue per customer.<p></p>\n<p></p><h3>Stock-price drivers this quarter</h3>\nThe stock’s near-term reaction will likely center on new subscription ACV, net retention, and billings growth relative to revenue growth to judge forward momentum into 2027. Margins will be a focal point given prior-quarter gross margin at 70.68% and the balance between growth investment and operating efficiency; any incremental opex tied to AI go-to-market or R&amp;D could weigh on near-term operating leverage. Guidance for subscription revenue and full-year outlook will be crucial, as the prior quarter included a raised view that buoyed the shares; the market will gauge whether elevated expectations reset the bar or if pipeline strength supports another uplift. Currency exposure is typically modest but can affect reported metrics; investors will also monitor linearity and deal timing given seasonal patterns around October closing. Finally, commentary on customer budgets in large enterprises and public sector, plus evidence of cross-sell momentum, will shape sentiment on durability of growth into the December quarter.<p></p>\n<p></p><h2>Analyst Opinions</h2>\nBullish opinions dominate recent commentary and previews, with the majority emphasizing resilient subscription growth, expanding AI-driven monetization, and supportive billings/remaining performance obligations trends ahead of the report. Several well-followed sell-side institutions highlight upside risk to subscription revenue and stable to improving operating metrics, citing the prior-quarter beat and raised outlook as evidence of momentum; they underscore a constructive stance into October 28, 2026 Post-Mkt. Analysts point to potential upside if large-deal activity remains firm and if management’s guidance cadence signals confidence in sustained low-20s revenue growth, while noting watchpoints around macro budget scrutiny and AI investment pacing.<p></p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1101740538","content_text":"Abstract\nServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins, profitability, and EPS dynamics into the print.\nMarket Forecast\nConsensus points to revenue of 4.09 billion US dollars for the current quarter, up 22.13% year over year, with an estimated EBIT of 1.28 billion US dollars and estimated EPS of 1.03, while year-over-year growth rates for EPS and EBIT are 20.42% and 24.66% respectively. Gross margin and net margin guidance are not explicitly provided by consensus; based on company trajectory and prior-quarter levels, investors are tracking gross profit margin around the high-60s to low-70s and net profit margin behavior relative to subscription scale and efficiency.\nManagement’s outlook emphasizes sustained expansion in subscription revenue and steady professional services contributions; the core highlights revolve around workflow platform adoption and upsell into enterprise customers. The most promising segment is subscriptions at 3.88 billion US dollars last quarter, with robust year-over-year momentum implied by a 24.01% revenue growth baseline and continued cross-sell into IT Service Management, Customer and Employee Workflows, and platform automation suites.\nLast Quarter Review\nServiceNow delivered revenue of 3.99 billion US dollars, a gross profit margin of 70.68%, GAAP net profit attributable to shareholders of 298.00 million US dollars, a net profit margin of 7.47%, and adjusted EPS of 0.90, with revenue and adjusted EPS growing 24.01% and 10.02% year over year respectively. A key highlight was outperformance versus prior estimates with both revenue and EBIT beating, supported by disciplined execution and large-deal momentum.\nMain business highlights included subscription revenue of 3.88 billion US dollars and professional services and other revenue of 110.00 million US dollars, reinforcing the dominance of high-margin subscriptions in the mix and a durable services layer to support adoption and implementations.\nCurrent Quarter Outlook\nMain business: Subscription workflows and platform expansion\nThe subscription engine remains the principal driver this quarter, supported by broad-based adoption across IT service management, IT operations, customer and employee workflows, and hyperautomation modules. With subscriptions accounting for roughly 97% of the revenue mix last quarter, incremental growth hinges on seat expansion, higher attach of premium SKUs, and durability of renewal rates among large enterprises. The company’s pipeline commentary last quarter implied healthy large-deal execution, and investors will watch billings and remaining performance obligations for confirmation. Price/packaging mixes and upsell into AI-enabled features are likely to influence unit economics and could modestly lift average contract values. Against a macro backdrop where IT budgets remain under scrutiny, visibility into multiyear agreements and renewal cohorts will be critical to sustaining 20%+ top-line growth.\nMost promising business: AI-enabled automation and cross-workflow adoption\nAI-driven automation layered onto existing workflows is emerging as the fastest-expanding opportunity, deepening integration across IT, customer, and employee domains while enabling measurable productivity outcomes. The subscriptions segment, at 3.88 billion US dollars last quarter, underpins this opportunity through cross-workflow adoption, adding modules that address incident resolution, case deflection, and developer productivity. Year-over-year growth markers suggest a revenue run-rate expanding in the low-20s, and the AI monetization motion could support above-company growth within select modules, particularly where inference and generative capabilities compress resolution times. This quarter, the market will closely track large deal counts with AI attachments, early customer references impacting expansion behavior, and any commentary on differential pricing for AI features that could lift revenue per customer.\nStock-price drivers this quarter\nThe stock’s near-term reaction will likely center on new subscription ACV, net retention, and billings growth relative to revenue growth to judge forward momentum into 2027. Margins will be a focal point given prior-quarter gross margin at 70.68% and the balance between growth investment and operating efficiency; any incremental opex tied to AI go-to-market or R&D could weigh on near-term operating leverage. Guidance for subscription revenue and full-year outlook will be crucial, as the prior quarter included a raised view that buoyed the shares; the market will gauge whether elevated expectations reset the bar or if pipeline strength supports another uplift. Currency exposure is typically modest but can affect reported metrics; investors will also monitor linearity and deal timing given seasonal patterns around October closing. Finally, commentary on customer budgets in large enterprises and public sector, plus evidence of cross-sell momentum, will shape sentiment on durability of growth into the December quarter.\nAnalyst Opinions\nBullish opinions dominate recent commentary and previews, with the majority emphasizing resilient subscription growth, expanding AI-driven monetization, and supportive billings/remaining performance obligations trends ahead of the report. Several well-followed sell-side institutions highlight upside risk to subscription revenue and stable to improving operating metrics, citing the prior-quarter beat and raised outlook as evidence of momentum; they underscore a constructive stance into October 28, 2026 Post-Mkt. Analysts point to potential upside if large-deal activity remains firm and if management’s guidance cadence signals confidence in sustained low-20s revenue growth, while noting watchpoints around macro budget scrutiny and AI investment pacing.","news_type":1,"symbols_score_info":{"NOW":1}},"isVote":1,"tweetType":1,"viewCount":27,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":573174687540000,"gmtCreate":1780970400029,"gmtModify":1780971980179,"author":{"id":"3573198343740263","authorId":"3573198343740263","name":"thiosoenseng","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3573198343740263","idStr":"3573198343740263"},"themes":[],"title":"","htmlText":"No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest","listText":"No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest","text":"No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/573174687540000","repostId":"2642615435","repostType":2,"repost":{"id":"2642615435","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"pubTimestamp":1780938655,"share":"https://ttm.financial/m/news/2642615435?lang=en_US&edition=fundamental","pubTime":"2026-06-09 01:10","market":"fut","language":"en","title":"Affirm publishes investor presentation outlining buy-now-pay-later products and growth strategy","url":"https://stock-news.laohu8.com/highlight/detail?id=2642615435","media":"Reuters","summary":"Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.Disclaimer: This news brief was created by Public Technologies  using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      <a href=\"https://laohu8.com/S/AFRM\">Affirm</a> publishes investor presentation outlining buy-now-pay-later products and growth strategy\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<ul>\n<li>\n          Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.\n        </li>\n<li>\n          Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.\n        </li>\n<li>\n          0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.\n        </li>\n<li>\n          Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.\n        </li>\n</ul>\n<br/>\n<br/>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>","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>Affirm publishes investor presentation outlining buy-now-pay-later products and growth strategy</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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\">\nAffirm publishes investor presentation outlining buy-now-pay-later products and growth strategy\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2026-06-09 01:10</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      <a href=\"https://laohu8.com/S/AFRM\">Affirm</a> publishes investor presentation outlining buy-now-pay-later products and growth strategy\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<ul>\n<li>\n          Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.\n        </li>\n<li>\n          Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.\n        </li>\n<li>\n          0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.\n        </li>\n<li>\n          Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.\n        </li>\n</ul>\n<br/>\n<br/>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4227":"交易和支付处理服务","LU1861217088.USD":"贝莱德金融科技A2","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","AFRU":"T-Rex 2X Long AFRM Daily Target ETF","BK4588":"碎股","AFRM":"Affirm Holdings, Inc.","BK4106":"数据处理与外包服务","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4585":"ETF&股票定投概念","BK4548":"巴美列捷福持仓","BK4535":"淡马锡持仓"},"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260608:nNDL4c5Q2F:1","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2642615435","content_text":"<a href=\"https://laohu8.com/S/AFRM\">Affirm</a> publishes investor presentation outlining buy-now-pay-later products and growth strategy\n    \n\n\n          Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.\n        \n\n          Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.\n        \n\n          0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.\n        \n\n          Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.\n        \n\n\n\n\n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.","news_type":1,"symbols_score_info":{"AFRM":0.9,"AFRU":0.6}},"isVote":1,"tweetType":1,"viewCount":197,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":620853381701768,"gmtCreate":1792601241972,"gmtModify":1792602437840,"author":{"id":"3573198343740263","authorId":"3573198343740263","name":"thiosoenseng","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3573198343740263","authorIdStr":"3573198343740263"},"themes":[],"title":"","htmlText":"What is the expected service now stock price","listText":"What is the expected service now stock price","text":"What is the expected service now stock price","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/620853381701768","repostId":"1101740538","repostType":2,"repost":{"id":"1101740538","kind":"news","weMediaInfo":{"introduction":"Focus on earnings forecast and in-depth analysis","home_visible":1,"media_name":"Earnings Agent","id":"1025659746","head_image":"https://community-static.tradeup.com/news/decf3d8a922fc5c1c1d787bf8b36173f"},"pubTimestamp":1792561045,"share":"https://ttm.financial/m/news/1101740538?lang=en_US&edition=fundamental","pubTime":"2026-10-21 13:37","market":"hk","language":"en","title":"Earning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish","url":"https://stock-news.laohu8.com/highlight/detail?id=1101740538","media":"Earnings Agent","summary":"Abstract ServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins,...","content":"<html><head></head><body><p></p><h2>Abstract</h2>\nServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins, profitability, and EPS dynamics into the print.\n<h2>Market Forecast</h2>\nConsensus points to revenue of 4.09 billion US dollars for the current quarter, up 22.13% year over year, with an estimated EBIT of 1.28 billion US dollars and estimated EPS of 1.03, while year-over-year growth rates for EPS and EBIT are 20.42% and 24.66% respectively. Gross margin and net margin guidance are not explicitly provided by consensus; based on company trajectory and prior-quarter levels, investors are tracking gross profit margin around the high-60s to low-70s and net profit margin behavior relative to subscription scale and efficiency.\nManagement’s outlook emphasizes sustained expansion in subscription revenue and steady professional services contributions; the core highlights revolve around workflow platform adoption and upsell into enterprise customers. The most promising segment is subscriptions at 3.88 billion US dollars last quarter, with robust year-over-year momentum implied by a 24.01% revenue growth baseline and continued cross-sell into IT Service Management, Customer and Employee Workflows, and platform automation suites.\n<h2>Last Quarter Review</h2>\nServiceNow delivered revenue of 3.99 billion US dollars, a gross profit margin of 70.68%, GAAP net profit attributable to shareholders of 298.00 million US dollars, a net profit margin of 7.47%, and adjusted EPS of 0.90, with revenue and adjusted EPS growing 24.01% and 10.02% year over year respectively. A key highlight was outperformance versus prior estimates with both revenue and EBIT beating, supported by disciplined execution and large-deal momentum.\nMain business highlights included subscription revenue of 3.88 billion US dollars and professional services and other revenue of 110.00 million US dollars, reinforcing the dominance of high-margin subscriptions in the mix and a durable services layer to support adoption and implementations.\n<h2>Current Quarter Outlook</h2>\n<h3>Main business: Subscription workflows and platform expansion</h3>\nThe subscription engine remains the principal driver this quarter, supported by broad-based adoption across IT service management, IT operations, customer and employee workflows, and hyperautomation modules. With subscriptions accounting for roughly 97% of the revenue mix last quarter, incremental growth hinges on seat expansion, higher attach of premium SKUs, and durability of renewal rates among large enterprises. The company’s pipeline commentary last quarter implied healthy large-deal execution, and investors will watch billings and remaining performance obligations for confirmation. Price/packaging mixes and upsell into AI-enabled features are likely to influence unit economics and could modestly lift average contract values. Against a macro backdrop where IT budgets remain under scrutiny, visibility into multiyear agreements and renewal cohorts will be critical to sustaining 20%+ top-line growth.<p></p>\n<p></p><h3>Most promising business: AI-enabled automation and cross-workflow adoption</h3>\nAI-driven automation layered onto existing workflows is emerging as the fastest-expanding opportunity, deepening integration across IT, customer, and employee domains while enabling measurable productivity outcomes. The subscriptions segment, at 3.88 billion US dollars last quarter, underpins this opportunity through cross-workflow adoption, adding modules that address incident resolution, case deflection, and developer productivity. Year-over-year growth markers suggest a revenue run-rate expanding in the low-20s, and the AI monetization motion could support above-company growth within select modules, particularly where inference and generative capabilities compress resolution times. This quarter, the market will closely track large deal counts with AI attachments, early customer references impacting expansion behavior, and any commentary on differential pricing for AI features that could lift revenue per customer.<p></p>\n<p></p><h3>Stock-price drivers this quarter</h3>\nThe stock’s near-term reaction will likely center on new subscription ACV, net retention, and billings growth relative to revenue growth to judge forward momentum into 2027. Margins will be a focal point given prior-quarter gross margin at 70.68% and the balance between growth investment and operating efficiency; any incremental opex tied to AI go-to-market or R&amp;D could weigh on near-term operating leverage. Guidance for subscription revenue and full-year outlook will be crucial, as the prior quarter included a raised view that buoyed the shares; the market will gauge whether elevated expectations reset the bar or if pipeline strength supports another uplift. Currency exposure is typically modest but can affect reported metrics; investors will also monitor linearity and deal timing given seasonal patterns around October closing. Finally, commentary on customer budgets in large enterprises and public sector, plus evidence of cross-sell momentum, will shape sentiment on durability of growth into the December quarter.<p></p>\n<p></p><h2>Analyst Opinions</h2>\nBullish opinions dominate recent commentary and previews, with the majority emphasizing resilient subscription growth, expanding AI-driven monetization, and supportive billings/remaining performance obligations trends ahead of the report. Several well-followed sell-side institutions highlight upside risk to subscription revenue and stable to improving operating metrics, citing the prior-quarter beat and raised outlook as evidence of momentum; they underscore a constructive stance into October 28, 2026 Post-Mkt. Analysts point to potential upside if large-deal activity remains firm and if management’s guidance cadence signals confidence in sustained low-20s revenue growth, while noting watchpoints around macro budget scrutiny and AI investment pacing.<p></p></body></html>","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>Earning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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\">\nEarning Preview: ServiceNow Q3 revenue is expected to increase by 22.13%, and institutional views are predominantly bullish\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1025659746\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/decf3d8a922fc5c1c1d787bf8b36173f);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Earnings Agent </p>\n<p class=\"h-time\">2026-10-21 13:37</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p></p><h2>Abstract</h2>\nServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins, profitability, and EPS dynamics into the print.\n<h2>Market Forecast</h2>\nConsensus points to revenue of 4.09 billion US dollars for the current quarter, up 22.13% year over year, with an estimated EBIT of 1.28 billion US dollars and estimated EPS of 1.03, while year-over-year growth rates for EPS and EBIT are 20.42% and 24.66% respectively. Gross margin and net margin guidance are not explicitly provided by consensus; based on company trajectory and prior-quarter levels, investors are tracking gross profit margin around the high-60s to low-70s and net profit margin behavior relative to subscription scale and efficiency.\nManagement’s outlook emphasizes sustained expansion in subscription revenue and steady professional services contributions; the core highlights revolve around workflow platform adoption and upsell into enterprise customers. The most promising segment is subscriptions at 3.88 billion US dollars last quarter, with robust year-over-year momentum implied by a 24.01% revenue growth baseline and continued cross-sell into IT Service Management, Customer and Employee Workflows, and platform automation suites.\n<h2>Last Quarter Review</h2>\nServiceNow delivered revenue of 3.99 billion US dollars, a gross profit margin of 70.68%, GAAP net profit attributable to shareholders of 298.00 million US dollars, a net profit margin of 7.47%, and adjusted EPS of 0.90, with revenue and adjusted EPS growing 24.01% and 10.02% year over year respectively. A key highlight was outperformance versus prior estimates with both revenue and EBIT beating, supported by disciplined execution and large-deal momentum.\nMain business highlights included subscription revenue of 3.88 billion US dollars and professional services and other revenue of 110.00 million US dollars, reinforcing the dominance of high-margin subscriptions in the mix and a durable services layer to support adoption and implementations.\n<h2>Current Quarter Outlook</h2>\n<h3>Main business: Subscription workflows and platform expansion</h3>\nThe subscription engine remains the principal driver this quarter, supported by broad-based adoption across IT service management, IT operations, customer and employee workflows, and hyperautomation modules. With subscriptions accounting for roughly 97% of the revenue mix last quarter, incremental growth hinges on seat expansion, higher attach of premium SKUs, and durability of renewal rates among large enterprises. The company’s pipeline commentary last quarter implied healthy large-deal execution, and investors will watch billings and remaining performance obligations for confirmation. Price/packaging mixes and upsell into AI-enabled features are likely to influence unit economics and could modestly lift average contract values. Against a macro backdrop where IT budgets remain under scrutiny, visibility into multiyear agreements and renewal cohorts will be critical to sustaining 20%+ top-line growth.<p></p>\n<p></p><h3>Most promising business: AI-enabled automation and cross-workflow adoption</h3>\nAI-driven automation layered onto existing workflows is emerging as the fastest-expanding opportunity, deepening integration across IT, customer, and employee domains while enabling measurable productivity outcomes. The subscriptions segment, at 3.88 billion US dollars last quarter, underpins this opportunity through cross-workflow adoption, adding modules that address incident resolution, case deflection, and developer productivity. Year-over-year growth markers suggest a revenue run-rate expanding in the low-20s, and the AI monetization motion could support above-company growth within select modules, particularly where inference and generative capabilities compress resolution times. This quarter, the market will closely track large deal counts with AI attachments, early customer references impacting expansion behavior, and any commentary on differential pricing for AI features that could lift revenue per customer.<p></p>\n<p></p><h3>Stock-price drivers this quarter</h3>\nThe stock’s near-term reaction will likely center on new subscription ACV, net retention, and billings growth relative to revenue growth to judge forward momentum into 2027. Margins will be a focal point given prior-quarter gross margin at 70.68% and the balance between growth investment and operating efficiency; any incremental opex tied to AI go-to-market or R&amp;D could weigh on near-term operating leverage. Guidance for subscription revenue and full-year outlook will be crucial, as the prior quarter included a raised view that buoyed the shares; the market will gauge whether elevated expectations reset the bar or if pipeline strength supports another uplift. Currency exposure is typically modest but can affect reported metrics; investors will also monitor linearity and deal timing given seasonal patterns around October closing. Finally, commentary on customer budgets in large enterprises and public sector, plus evidence of cross-sell momentum, will shape sentiment on durability of growth into the December quarter.<p></p>\n<p></p><h2>Analyst Opinions</h2>\nBullish opinions dominate recent commentary and previews, with the majority emphasizing resilient subscription growth, expanding AI-driven monetization, and supportive billings/remaining performance obligations trends ahead of the report. Several well-followed sell-side institutions highlight upside risk to subscription revenue and stable to improving operating metrics, citing the prior-quarter beat and raised outlook as evidence of momentum; they underscore a constructive stance into October 28, 2026 Post-Mkt. Analysts point to potential upside if large-deal activity remains firm and if management’s guidance cadence signals confidence in sustained low-20s revenue growth, while noting watchpoints around macro budget scrutiny and AI investment pacing.<p></p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1101740538","content_text":"Abstract\nServiceNow will report quarterly results on October 28, 2026 Post-Mkt; this preview compiles market expectations, last quarter performance, and analyst viewpoints to frame revenue, margins, profitability, and EPS dynamics into the print.\nMarket Forecast\nConsensus points to revenue of 4.09 billion US dollars for the current quarter, up 22.13% year over year, with an estimated EBIT of 1.28 billion US dollars and estimated EPS of 1.03, while year-over-year growth rates for EPS and EBIT are 20.42% and 24.66% respectively. Gross margin and net margin guidance are not explicitly provided by consensus; based on company trajectory and prior-quarter levels, investors are tracking gross profit margin around the high-60s to low-70s and net profit margin behavior relative to subscription scale and efficiency.\nManagement’s outlook emphasizes sustained expansion in subscription revenue and steady professional services contributions; the core highlights revolve around workflow platform adoption and upsell into enterprise customers. The most promising segment is subscriptions at 3.88 billion US dollars last quarter, with robust year-over-year momentum implied by a 24.01% revenue growth baseline and continued cross-sell into IT Service Management, Customer and Employee Workflows, and platform automation suites.\nLast Quarter Review\nServiceNow delivered revenue of 3.99 billion US dollars, a gross profit margin of 70.68%, GAAP net profit attributable to shareholders of 298.00 million US dollars, a net profit margin of 7.47%, and adjusted EPS of 0.90, with revenue and adjusted EPS growing 24.01% and 10.02% year over year respectively. A key highlight was outperformance versus prior estimates with both revenue and EBIT beating, supported by disciplined execution and large-deal momentum.\nMain business highlights included subscription revenue of 3.88 billion US dollars and professional services and other revenue of 110.00 million US dollars, reinforcing the dominance of high-margin subscriptions in the mix and a durable services layer to support adoption and implementations.\nCurrent Quarter Outlook\nMain business: Subscription workflows and platform expansion\nThe subscription engine remains the principal driver this quarter, supported by broad-based adoption across IT service management, IT operations, customer and employee workflows, and hyperautomation modules. With subscriptions accounting for roughly 97% of the revenue mix last quarter, incremental growth hinges on seat expansion, higher attach of premium SKUs, and durability of renewal rates among large enterprises. The company’s pipeline commentary last quarter implied healthy large-deal execution, and investors will watch billings and remaining performance obligations for confirmation. Price/packaging mixes and upsell into AI-enabled features are likely to influence unit economics and could modestly lift average contract values. Against a macro backdrop where IT budgets remain under scrutiny, visibility into multiyear agreements and renewal cohorts will be critical to sustaining 20%+ top-line growth.\nMost promising business: AI-enabled automation and cross-workflow adoption\nAI-driven automation layered onto existing workflows is emerging as the fastest-expanding opportunity, deepening integration across IT, customer, and employee domains while enabling measurable productivity outcomes. The subscriptions segment, at 3.88 billion US dollars last quarter, underpins this opportunity through cross-workflow adoption, adding modules that address incident resolution, case deflection, and developer productivity. Year-over-year growth markers suggest a revenue run-rate expanding in the low-20s, and the AI monetization motion could support above-company growth within select modules, particularly where inference and generative capabilities compress resolution times. This quarter, the market will closely track large deal counts with AI attachments, early customer references impacting expansion behavior, and any commentary on differential pricing for AI features that could lift revenue per customer.\nStock-price drivers this quarter\nThe stock’s near-term reaction will likely center on new subscription ACV, net retention, and billings growth relative to revenue growth to judge forward momentum into 2027. Margins will be a focal point given prior-quarter gross margin at 70.68% and the balance between growth investment and operating efficiency; any incremental opex tied to AI go-to-market or R&D could weigh on near-term operating leverage. Guidance for subscription revenue and full-year outlook will be crucial, as the prior quarter included a raised view that buoyed the shares; the market will gauge whether elevated expectations reset the bar or if pipeline strength supports another uplift. Currency exposure is typically modest but can affect reported metrics; investors will also monitor linearity and deal timing given seasonal patterns around October closing. Finally, commentary on customer budgets in large enterprises and public sector, plus evidence of cross-sell momentum, will shape sentiment on durability of growth into the December quarter.\nAnalyst Opinions\nBullish opinions dominate recent commentary and previews, with the majority emphasizing resilient subscription growth, expanding AI-driven monetization, and supportive billings/remaining performance obligations trends ahead of the report. Several well-followed sell-side institutions highlight upside risk to subscription revenue and stable to improving operating metrics, citing the prior-quarter beat and raised outlook as evidence of momentum; they underscore a constructive stance into October 28, 2026 Post-Mkt. Analysts point to potential upside if large-deal activity remains firm and if management’s guidance cadence signals confidence in sustained low-20s revenue growth, while noting watchpoints around macro budget scrutiny and AI investment pacing.","news_type":1,"symbols_score_info":{"NOW":1}},"isVote":1,"tweetType":1,"viewCount":27,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":573174687540000,"gmtCreate":1780970400029,"gmtModify":1780971980179,"author":{"id":"3573198343740263","authorId":"3573198343740263","name":"thiosoenseng","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3573198343740263","authorIdStr":"3573198343740263"},"themes":[],"title":"","htmlText":"No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest","listText":"No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest","text":"No compound interest, no late fee charges that only means growth depends on increase of customers and spends. Profits remains or having risk of late payments or non payment.lost of interest","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/573174687540000","repostId":"2642615435","repostType":2,"repost":{"id":"2642615435","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"pubTimestamp":1780938655,"share":"https://ttm.financial/m/news/2642615435?lang=en_US&edition=fundamental","pubTime":"2026-06-09 01:10","market":"fut","language":"en","title":"Affirm publishes investor presentation outlining buy-now-pay-later products and growth strategy","url":"https://stock-news.laohu8.com/highlight/detail?id=2642615435","media":"Reuters","summary":"Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.Disclaimer: This news brief was created by Public Technologies  using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      <a href=\"https://laohu8.com/S/AFRM\">Affirm</a> publishes investor presentation outlining buy-now-pay-later products and growth strategy\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<ul>\n<li>\n          Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.\n        </li>\n<li>\n          Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.\n        </li>\n<li>\n          0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.\n        </li>\n<li>\n          Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.\n        </li>\n</ul>\n<br/>\n<br/>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>","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>Affirm publishes investor presentation outlining buy-now-pay-later products and growth strategy</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: 11px; color: #7E829C; margin: 0;line-height: 11px;}\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\">\nAffirm publishes investor presentation outlining buy-now-pay-later products and growth strategy\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2026-06-09 01:10</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      <a href=\"https://laohu8.com/S/AFRM\">Affirm</a> publishes investor presentation outlining buy-now-pay-later products and growth strategy\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<ul>\n<li>\n          Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.\n        </li>\n<li>\n          Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.\n        </li>\n<li>\n          0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.\n        </li>\n<li>\n          Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.\n        </li>\n</ul>\n<br/>\n<br/>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4227":"交易和支付处理服务","LU1861217088.USD":"贝莱德金融科技A2","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","AFRU":"T-Rex 2X Long AFRM Daily Target ETF","BK4588":"碎股","AFRM":"Affirm Holdings, Inc.","BK4106":"数据处理与外包服务","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4585":"ETF&股票定投概念","BK4548":"巴美列捷福持仓","BK4535":"淡马锡持仓"},"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260608:nNDL4c5Q2F:1","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2642615435","content_text":"<a href=\"https://laohu8.com/S/AFRM\">Affirm</a> publishes investor presentation outlining buy-now-pay-later products and growth strategy\n    \n\n\n          Affirm outlined its buy-now-pay-later model, stressing transaction-level underwriting, interest capped at checkout, no compound interest, no late fees.\n        \n\n          Trailing 12-month gross merchandise volume reached $46.6 billion in fiscal Q3 2026, implying a 46% CAGR.\n        \n\n          0% APR offers represented 29% of GMV in fiscal Q3 2026; product mix skewed to interest-bearing loans at 71% of GMV.\n        \n\n          Affirm Card surpassed 4,400,000 active cardholders; cardholders generated about 3x more spend than non-cardholders.\n        \n\n\n\n\n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Affirm Holdings Inc. published the original content used to generate this news brief on June 08, 2026, and is solely responsible for the information contained therein.","news_type":1,"symbols_score_info":{"AFRM":0.9,"AFRU":0.6}},"isVote":1,"tweetType":1,"viewCount":197,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}