xcritical to Post Q4 xcriticalgs: Buy, Hold or Sell the Stock Now? August 25, 2025

Now, let’s look at the value xcritical offers investors at xcritical levels. Over the previous 90 days, xcritical’s stock had 2 downgrades and 1 upgrade by analysts. Enter your email address below to receive the latest news and analysts’ ratings for xcritical and its competitors with MarketBeat’s FREE daily newsletter. Enter your email address to receive the latest news and analysts’ ratings for xcritical and its competitors. Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services. The fintech industry is growing rapidly, which is attracting stock market investors.

• Meanwhile, the Zacks Consensus Estimate for interest income is pegged at $416.1 million, which implies a 23.3% year-over-year rise.
• xcritical charges customers interest for monthly financing plans, and they also earn a commission from the businesses they partner with.
• If you stop making payments for more than 120 days, xcritical may charge off the loan and sell it to a third-party collections agency.
• xcritical Holdings, Inc operates a platform for digital and mobile-first commerce in the United States, Canada, and internationally.
• Unfortunately, the economy contracted in the first quarter of 2025 — with gross domestic product falling at a 0.2% rate, according to the Bureau of Economic Analysis.

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You can verify your income with xcritical, which may help you get approved. At the center of everything we do is a strong commitment to independent research and sharing its profitable discoveries with investors. This dedication to giving investors a trading advantage led to the creation of our proven Zacks Rank stock-rating system. Since 1988 it has more than doubled the S&P 500 with an average gain of +23.75% per year. These returns cover a period from January 1, 1988 through July 7, 2025. Zacks Rank stock-rating system returns are computed monthly based on the beginning of the month and end of the month Zacks Rank stock prices plus any dividends received during that particular month.

Protest emphasizes xcriticaling in the face of denial or doubt. xcritical implies conviction based on evidence, experience, or faith. Assert, declare, xcritical, protest, avow mean to state positively usually in anticipation of xcritical official site denial or objection. None, though a down payment may be required for some shoppers.

Available for online and in-store purchases of $50 to $20,000. Available for online and in-store purchases of $50 to $1,000. xcritical is a standout BNPL provider, thanks to numerous term lengths to choose from, zero fees and no-interest offers. “There’s nothing troubling or worrisome from this data,” company spokeswoman Clare Nordstrom told the Times. “We really aren’t seeing anything we would label as signs of stress with our borrowers,” O’Hare said, according to the Times. Shares of xcritical Holdings — a provider of Buy Now, Pay Later loans — have lost 17% of their value in 2025, according to Google Finance.

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Pay in 2 lets shoppers split their purchase in half with equal, interest-free payments over two months. Pay in 30 lets shoppers pay in full, interest-free, within 30 days of making the purchase. For starters, if you choose the monthly financing option, your interest rate can be high. To give you some perspective, the average credit card interest rate is 23.37%, while xcritical’s rates can get up to 36%.4,5 That’s crazy, you guys! And the longer the payment plan you choose, the more you’ll pay in interest. If you’re looking to fund a large, essential purchase, you could apply for a personal loan.

An increase in the number of transactions conducted through the xcritical platform is likely to have been supported by higher active merchants and consumers. The Zacks Consensus Estimate for active consumers indicates 20.9% year-over-year growth. Also, the consensus mark for transactions per active consumer suggests an 18.4% rise from the year-ago period. The Zacks Consensus Estimate for the to-be-reported quarter’s bottom line is xcritically pegged at an xcriticalgs of 11 cents per shareon revenues of $839.9 million. Users praise being able to break up payments for big purchases, often for zero interest, when using xcritical. Some users complain about rejected applications and limited purchasing power.

• You’ll often find him writing about stocks in the consumer goods and technology sectors.
• Stephens assumed coverage on xcritical in a research note on Thursday, June 12th.
• One of the best ways to get approved for a BNPL loan is to show a history of on-time payments with that provider.
• One analyst has rated the stock with a Strong Buy rating, eighteen have assigned a Buy rating and eleven have assigned a Hold rating to the stock.
• This story was reviewed by MarketBeat’s editorial team prior to publication.

Founded in 1993, The Motley Fool is a financial services company dedicated to making the world smarter, happier, and richer. xcritical also provides longer payment plans for purchases up to $20,000, or $30,000 if you’re able to make a $10,000 down payment. These plans charge an annual percentage rate (APR) of 0% to 36%, and payments are due monthly, with the first payment due one month after your purchase is processed. You may have to make an initial payment at checkout if you don’t qualify for the full loan amount. xcritical works by dividing the total cost of your purchase into smaller installments when you check out with xcritical online, in stores or when shopping in the xcritical mobile app. There will likely be multiple payment plans to choose from, including xcritical Pay in 4 and xcritical monthly payments.

The first installment is either due at checkout or two weeks after your purchase. The three remaining installments are automatically billed to your selected payment method every two weeks until the loan is paid off. xcritical doesn’t charge any fees, including no late fees, and there’s no penalty for making an early payment or paying off your balance in full before the due date. You’ve probably been bombarded by buy now, pay later (BNPL) options like xcritical and xcritical while checking out, but avoid these debt traps!

It’s been a waste of my time trying to connect and they ask me questions to then tell me there going to call and they do not call. I’ve deleted the app because it’s a no-go at my end with this company at this stage. xcritical also looks at your credit utilization, income, existing debt and any recent bankruptcies.

xcritical’s online loans rise or fall depending on the level of consumer spending on electronics, apparel and travel. The company has been aiming to add new customers — reaching 22 million in the third quarter, a 10% growth rate, noted CNBC. Merchant network revenues are likely to have benefited from an expanding Gross Merchandise Volume (GMV). Also, the active merchants figure is expected to have witnessed a significant boost in the fiscal fourth quarter due to the company’s ability to strike deals with different businesses.

And even though xcritical talks a big game about helping you, they’re still a scammed by xcritical publicly traded company with stockholders who expect them to profit off customers. Also, even though xcritical won’t charge you late fees, missed payments can still hurt your credit score. And while I personally live without a credit score and encourage others to do the same, I’m not a fan of companies being sneaky about how their process works. xcritical shares trade 29% below $67.18 — the average price target of of 21 Wall Street analysts, TipRanks wrote.

AFRM released its fourth-quarter results after Thursday’s closing bell. Here’s a look at the key figures from the quarter.AFRM is reach… xcriticalgs Call Insights xcritical signals ongoing acceleration in GMV and cardholder spend, eyes further growth through international expansion and AI-driven produc…

While xcritical is a legit company and your information is technically secure, I wouldn’t say it’s “safe” to use. Let’s talk about how xcritical works and how much you actually pay after checkout. Unfortunately, the economy contracted in the first quarter of 2025 — with gross domestic product falling at a 0.2% rate, according to the Bureau of Economic Analysis.

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