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Buy Now, "Profit" Later: Fintech Sees 36% Surge on Strong Projections
Adam Garcia
May 08, 2025
An e-commerce giant’s stock is tumbling after issuing cautious margin guidance, a fast-food conglomerate’s sales have slipped across key brands, and a buy-now-pay-later upstart is sizzling after a strong earnings forecasts. Here’s what you need to know.
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Futures 📈
What to Watch
Earnings:
McKesson Corporation [MCK]: Aftermarket
Monster Beverage Corporation [MNST]: Aftermarket
Coinbase Global, Inc. [COIN]: Aftermarket
Cloudflare, Inc. [NET]: Aftermarket
Economic Reports:
Initial Jobless Claims [May 3]: 8:30 am
U.S. Productivity [Q1]: 8:30 am
Wholesale Inventories [March]: 10:00 am
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E Commerce
Shopify Beats Q1 Revenue, Shares Plummet on Cautious Margin Guidance
Shopify (NYSE: SHOP) reported first-quarter revenue that is ahead of analyst expectations and projected strong sales for the current quarter, but investor sentiment is souring because the company offered a more cautious outlook on profitability.
For the quarter ending March 31, Shopify posted revenue of $2.36 billion, slightly above the $2.33 billion expected by analysts polled by LSEG.
The Canadian e-commerce platform forecast second-quarter revenue to grow in the mid-20% range, topping the consensus estimate of 22.4% growth.
Despite the upbeat sales projection, the company expects gross profit dollars to rise at a high-teen percentage rate, which came in slightly below analyst expectations of 20.2%.
That conservative profit guidance is causing a more than 7% drop in Shopify’s U.S.-listed shares during premarket trading today.
The results come as many U.S. companies scale back or withdraw guidance amid growing trade policy uncertainty. Still, Shopify’s continued growth stands in contrast to the cautious tone across much of the retail sector.
Oil & Gas
ConocoPhillips Tops Q1 Earnings, Trims 2025 Spending Outlook
ConocoPhillips (NYSE: COP) exceeded Wall Street expectations with its first-quarter 2025 earnings while dialing back on full-year spending projections amid a cautious industry backdrop.
The oil major reported adjusted earnings of $2.09 per share, outpacing the $1.98 average estimate and marking a modest 3% increase from the year-ago quarter’s $2.03.
Shares of the firm are up roughly 1% in premarket trading.
In a shift toward tighter financial discipline, the company lowered its 2025 capital expenditure forecast to between $12.3 billion and $12.6 billion, down from $12.9 billion.
It also reduced its adjusted operating cost guidance to a range of $10.7 billion to $10.9 billion, compared to a previously expected $10.9 billion to $11.1 billion.
CEO Ryan Lance says that the company’s focus on capital efficiency and shareholder returns remains firm despite macroeconomic uncertainties. For the second quarter, production is projected between 2.34 and 2.38 million barrels of oil equivalent per day.
ConocoPhillips also announced a leadership change: CFO W.L. (Bill) Bullock will retire after nearly four decades with the firm. Andy O’Brien, currently leading Strategy and Sustainability, will step into the CFO role starting June 1.
The company declared a quarterly dividend of $0.78 per share.
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Fast Food
Burger King, Popeyes, Tim Hortons Drag Down Restaurant Brands’ Q1
Restaurant Brands International (NYSE: QSR) reported lower-than-expected earnings and revenue for the first quarter of 2025 as its core brands—Burger King, Popeyes, and Tim Hortons—posted disappointing same-store sales declines.
Adjusted earnings came in at $0.75 per share, missing the $0.78 average analyst forecast. Revenue rose 21% year-over-year to $2.11 billion, slightly below the $2.13 billion Wall Street was expecting.
Net income dropped to $159 million, or $0.49 per share, down from $230 million, or $0.72 per share, in the same period last year.
Same-store sales growth across the company was a meager 0.1%, but all three flagship brands fell short of expectations.
Tim Hortons saw a 0.1% dip, missing forecasts for 1.4% growth. Burger King’s global sales declined 1.3%, with U.S. performance down 1.1%.
Popeyes fared the worst, reporting a 4% drop in same-store sales—well below the 1.8% decline analysts had projected.
In contrast, the company’s international markets showed resilience, with same-store sales growing 2.6%.
Despite the rocky quarter, Restaurant Brands reaffirmed its 2025 capital expenditure guidance of $400–$450 million and remains committed to its long-term goal of averaging 3% same-store sales growth and 8% organic adjusted operating income growth through 2028.
Shares are currently flat in premarket trading.
Movers and Shakers
Sezzle Inc. [SEZL] - Last Close: $52.75
Sezzle Inc. is a fintech company offering "buy now, pay later" services. Its stock is up 20% YTD, and both its revenue and earnings have seen significant growth in recent quarters.
Its stock is surging over 36% in premarket trading today after it raised its 2025 earnings forecast to $3.25 per share and increased its projected revenue growth to 60–65%, up from the previous estimate of 25–30%.
My Take: Sezzle's impressive financial performance and upward revision of its 2025 guidance reflect strong possibility of continued growth in the competitive fintech landscape. Keep this one on your radar for future growth.
Emergent BioSolutions Inc. [EBS] - Last Close: $4.74
Emergent BioSolutions Inc. is a biopharma firm specializing in vaccines and treatments for public health threats. Its earnings and revenues have not seen any major growth in recent years, and its shares are down 50% YTD.
However, today its stock is up almost 20% in premarket trade after its Q1 results saw its adjusted EPS at $0.71, roundly beating market estimates of $0.44. Its overall earnings are up to $68.0 million, a significant increase from $9.0 million in the prior year.
My Take: While EBS faces challenges with declining revenues, its focus on core products like NARCAN® and medical countermeasures, along with improved net income, may position it for recovery. Keep a close eye on how this stock moves.
Q32 Bio Inc. [QTTB] - Last Close: $1.57
Q32 Bio Inc. is a clinical-stage biotech firm developing biologics for autoimmune and inflammatory diseases. As it’s a clinical stage firm, its financials are not much to speak of.
However, its 17% rise in premarket trading today is due to the FDA's Fast Track designation for its lead candidate, bempikibart, targeting alopecia areata.
My Take: While the Fast Track status is a positive development, Q32 Bio's high cash burn and recent board changes suggest caution. Keep a watch on the progress on bempikibart.
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Disclaimer: Blue Edge Financial makes no representation that any account will or is likely to achieve similar profits. Past results do not guarantee future results. Trading is risky and you should only trade with money that you can afford to lose. This is for educational purposes only not a solicitation to invest.
Everything Else
Markets react swiftly to India’s cross-border strikes, sparking a global defense stock rally.
Trump hails the new U.S.-UK economic pact amid the broader trade shakeup.
Arm hits the $1B sales mark but its stock tumbles as investors react to lower forecasts for next quarter.
Mercado Libre defies macro pressures with a record-breaking-revenue quarter.
AppLovin’s focus shift pays off with blowout first-quarter results.
Fortinet’s earnings rise but a weak forecast spooks the market.
Carvana accelerates toward long-term goals with a record sales surge.
Ukraine conflict and global tensions boost Kongsberg’s Q1 surge.
AB InBev powers through global challenges with strong Q1 earnings.
Tripledot bets big on global expansion with an $800 million AppLovin deal.
Toyota braces for a steep earnings drop amid U.S. tariffs and strong yen.
That’s all for today. Thank you for reading. If you have any feedback, please reply to this email.
Best Regards,
— Adam Garcia
Elite Trade Club
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