Pay Later, Profit Now With This Fintech Stock

A buy-now-pay-later pioneer surprised Wall Street with real profits and massive volume growth. With shares jumping double digits before the bell, this is one credit line traders may want to extend.

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Alibaba Group (BABA) reported fiscal first-quarter results that highlighted the growing importance of its cloud business, even as total revenue fell short of analyst expectations. Group sales rose 2% year-over-year to RMB 247.7 billion ($34.6 billion), below forecasts of RMB 252.9 billion, but net income surged to RMB 43.1 billion, easily topping estimates.

The real standout was cloud computing, where sales accelerated 26% to RMB 33.4 billion. The business is emerging as Alibaba’s key AI monetization channel, paralleling how U.S. peers like Microsoft and Alphabet use their cloud divisions to deliver AI services.

Management emphasized that demand for enterprise AI workloads, including large model training and deployment, continues to build momentum in China and abroad.

E-commerce results were more mixed. Core online retail sales showed signs of stabilization but remain under pressure from fierce domestic competition and cautious Chinese consumers. Beijing’s stimulus policies have offered some relief, though broader macro uncertainty lingers.

Shares climbed about 3% premarket, extending a rally of more than 40% this year. Valuation at 16x forward earnings remains below U.S. megacap tech peers, giving Alibaba room to benefit if the cloud and AI story keeps scaling.

Investor Angle: It’s always a bit risky to play stocks tied to emerging markets so heavily, but I think Alibaba’s pivot to cloud-led growth is the right move. With the stock still trading at a discount and AI adoption accelerating, upside is likely if earnings momentum continues. Pullbacks on revenue misses may prove to be attractive entry points.

Alphabet (GOOGL) announced that its YouTube TV unit reached a new distribution agreement with Fox, preserving access to Fox News, Fox Sports, and other channels just days before a contract deadline.

The deal prevents potential blackouts that could have cut subscribers off from major college football games and the start of the NFL season.

The two sides had been negotiating over carriage fees, with YouTube pushing back on Fox’s higher pricing demands. While financial terms were not disclosed, the extension underscores YouTube’s importance as one of the largest live-TV distributors, with 9.4 million subscribers and more than 13% of U.S. TV watch time in July.

For Alphabet, securing high-demand sports and news programming is critical. Live events help differentiate YouTube TV in a crowded streaming market and support advertising growth, particularly as cord-cutting accelerates.

With Fox simultaneously launching its own standalone streaming service, maintaining access to Fox’s content protects YouTube’s position in the streaming bundle market.

Alphabet shares traded slightly lower premarket, reflecting broader market softness, but the resolution removes a potential overhang. The agreement should support subscriber stability heading into the fall sports calendar, when streaming churn often spikes.

Investor Angle: Alphabet’s ability to lock down must-have sports rights makes YouTube TV a stickier product and positions it as a long-term winner in streaming distribution. With engagement and ad monetization still ramping up, dips in the stock near all-time highs could present buying opportunities for investors seeking exposure to the digital TV transition.

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Affirm Holdings (AFRM) shares surged over 15% in premarket trading after delivering a blowout fiscal Q4 and securing a price target upgrade from Citizens JMP to $105, up from $75.

The buy-now, pay-later provider reported revenue of $876.4 million, topping expectations, and posted net income of $69.2 million versus a loss last year. Gross merchandise volume climbed 43% to $10.4 billion, driven by gains across general retail, electronics, travel, and fashion.

The company highlighted robust consumer adoption, with active customers rising 24% to 23 million and merchant partners increasing to 377,000. Its Affirm Card, a direct-to-consumer offering, saw GMV soar 132% year-over-year, underlining its success in expanding beyond checkout financing into everyday spending.

Management also issued upbeat FY26 guidance, pointing to sustained growth and profitability.

The results triggered bullish sentiment on social media, with retail investors piling in alongside institutional upgrades. Despite rising competition in BNPL and scrutiny over consumer credit risk, Affirm’s credit performance and borrower quality metrics remain solid, helping ease concerns about potential defaults.

Shares have nearly doubled in 2025, yet with secular adoption of installment payments accelerating, analysts argue the stock’s growth story has legs. JMP’s target implies another 30% upside from current levels.

Investor Angle: I think Affirm’s momentum is undeniable. With scale expanding, credit metrics stable, and product innovation gaining traction, the company could be one of the standout fintech names over the next year. This premarket jump may be just the start if guidance continues to deliver.

Ambarella (AMBA) develops high-performance semiconductors for video, automotive vision, and edge AI applications. Its latest quarter showed momentum in next-gen 5nm AI chips, with revenue climbing 50% year-over-year to $95.5 million, above guidance, and strong demand from robotics, drones, and security partners like Audi, Honeywell, and Insta360.

The stock surged more than 18% in premarket trading after management lifted its full-year growth forecast to 31–35%, pointing to record sales in fiscal 2026. With edge AI set to account for 80% of revenue this year, the company is positioning itself as a critical supplier for high-growth markets.

Autodesk (ADSK), a global leader in design and engineering software, is reshaping its business with AI-enabled tools and a pivot to direct billing. In its fiscal Q2 update, revenue grew 17% year-over-year to $1.76 billion, topping estimates, while earnings of $2.62 per share exceeded forecasts of $2.45. The AECO segment led the way, with sales up 23% on strong adoption of digital construction solutions.

The company also raised full-year revenue guidance to $7.0–$7.1 billion, with operating margins holding near 39%. Shares jumped nearly 10% in premarket trading, closing in on a new 52-week high above $326. Investors will be watching whether Autodesk’s pivot toward AI-powered design workflows can sustain growth and offset headwinds from layoffs and global macro uncertainty.

IREN Ltd (IREN) operates one of the fastest-growing Bitcoin mining and AI cloud infrastructure businesses. The company reported Q4 revenue of $187.3 million, up 226% from last year, while adjusted EBITDA jumped to $121.9 million, topping expectations. A major boost came from Bitcoin mining revenue, now exceeding $1 billion annually, alongside rapid growth in its AI cloud business, powered by Nvidia GPUs.

Shares climbed more than 8% during Thursday’s session and added nearly 14% in after-hours trading. Management plans to triple GPU capacity to over 10,000 units by year-end, targeting $200–250 million in annualized AI revenue. Investors will be watching how IREN balances aggressive expansion with cost controls, especially as Bitcoin’s price remains volatile.

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Elite Trade Club

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