Block股價插水照擴張借貸？業績唔掂都要博？

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Block在股市滑落後推進貸款擴張計劃

Block公司在股價今年下跌超過30%及收入增長放緩的情況下，決定加大在貸款業務的投入。該公司於周四宣布，已獲得美國聯邦存款保險公司（FDIC）的批准，可以通過其銀行子公司Square Financial Services發放貸款，這使得Block能夠直接提供小額消費貸款，而不再依賴外部銀行合作夥伴。

這次擴展是針對Block的短期貸款產品Cash App Borrow。然而，這一決策是在消費信貸面臨日益擔憂的背景下作出的，特別是特朗普政府的廣泛關稅政策和大規模裁員引發了潛在經濟衰退的討論。

Block的貸款部門在上個季度的交易損失上升了39%，儘管公司聲稱其承保模型穩健，但小額貸款本質上仍然風險較高。

Block在新聞稿中表示：“Cash App Borrow旨在提供簡單易用的短期現金流，當替代方案通常昂貴且難以讓消費者駕馭時。”該公司補充道，平均每筆Cash App Borrow貸款金額低於100美元，貸款期限約為一個月。

Block並未立即發表進一步評論。

獲得在自家銀行運營貸款業務的批准後，Block表示將能在全國範圍內提供這項產品。

上個月，Block報告的季度業績未能達到華爾街的預期，收入僅較去年增長4.5%。該公司股價暴跌18%，創下自2020年以來最糟糕的一日跌幅。

同時，Block還在Cash App卡上推出了Afterpay，這是一項“先買後付”的產品。首席財務官Amrita Ahuja告訴CNBC，這次推出的目的是為客戶提供更多信貸選擇，並將Cash App定位為某些客戶的銀行替代品。Block在2022年初以290億美元收購了與Affirm競爭的Afterpay。

此外，Block本周還宣布了一項重大的人工智能投資計劃。

該公司於周三表示，將利用Nvidia的AI系統及其最新的Blackwell芯片來推動開源AI研究。Block並未具體說明其AI擴展的目標，但在新聞稿中指出，將“開始探索為我們的客戶提供新穎解決方案”。

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這篇報導突顯了Block在面對股價下跌和收入增長放緩的挑戰時，仍然選擇擴展貸款業務的決策。這或許反映了公司對市場需求的敏感度，以及對小額貸款市場潛力的信心。然而，隨著消費信貸風險的上升，Block是否能夠在風險與回報之間找到平衡，仍然值得關注。此外，Block在人工智能方面的投資也顯示出其希望在科技創新領域保持競爭力的決心。未來，Block能否成功整合這些新業務並實現可持續增長，將成為業界關注的焦點。

以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。

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${ "intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A stylish beautiful woman portrayed as Cleopatra, the eternal Queen of Egypt, radiating supreme authority, elegance, and divine power.", "angle": "Full-body editorial portrait captured at a cinematic 3/4 angle, both Cleopatra and the horse positioned diagonally, rendered in ultra-crisp clarity with no blur.", "pose": { "body_position": "She is riding a majestic white horse, seated confidently with impeccable royal posture, her torso slightly turned to a 3/4 angle to emphasize grace and dominance.", "hands": "One hand gently holds the gold-accented reins, while the other rests elegantly near her waist, displaying ornate jewelry.", "expression": "She looks directly at the camera with a calm, commanding, and seductive gaze—the unmistakable presence of a queen born to rule." } }, "appearance": { "outfit": "An opulent, ultra-bongga Cleopatra couture gown in pristine white and radiant gold. The gown features a sculpted corset bodice richly embroidered with gold hieroglyphic motifs, sun-disk patterns, and crystal beadwork. Flowing white silk, chiffon, and sheer organza panels cascade dramatically from the waist and shoulders, creating powerful movement as she rides. A daring thigh-high slit reveals her leg, balancing sensuality with imperial elegance. Every seam is traced with gold-thread embroidery for a luminous, goddess-like silhouette.", "accessories": "She wears the exact Cleopatra headpiece from the attached reference image: a regal black-and-gold striped nemes-style headdress with a polished gold cobra (uraeus) centerpiece at the forehead, structured side panels, and intricate gold detailing. Paired with a wide Egyptian collar necklace with turquoise accents, engraved gold arm cuffs, crystal finger rings, an ornate gold waist belt, delicate anklets, and elegant flat Egyptian sandals.", "hair": "Her hair is fully concealed beneath the nemes headpiece as shown in the reference image, ensuring perfect historical accuracy and symmetry.", "makeup": "Ultra-bold, highly colorful Egyptian eye makeup with ceremonial ink artistry. Her eyes feature sharp elongated black kohl eyeliner extended dramatically past the outer corners, layered with vivid turquoise, teal, emerald green, sapphire blue, violet, and metallic gold pigments blended in high-fashion gradients. Beneath each eye, intricate hand-drawn ink designs inspired by ancient Egyptian symbolism are visible—fine black and gold lines, dots, and sacred motifs echoing hieroglyphs and protective markings, following the natural curve of the lower eye and cheekbone. Her complexion is flawless and softly bronzed with luminous highlights, brows are sculpted and powerful, cheeks carry a subtle coral-rose flush, and lips are finished in a refined nude-rose satin tone to balance the intense, artistic eye look." }, "props": { "animal": "A powerful, majestic white horse with a flowing ivory mane, sculpted muscles, and intelligent dark eyes. The horse wears elegant white-and-gold tack engraved with Egyptian motifs, symbolizing royal conquest, divine favor, and sovereignty." }, "background": { "macro_environment": "A vast open desert landscape near the Egyptian palace and pyramids at golden hour, stretching endlessly beneath a dramatic sky glowing with gold, amber, and soft ivory tones.", "midground_details": "Distant pyramids rising from the sand, monumental stone statues, ceremonial banners moving in the wind, and faint silhouettes of royal guards and attendants placed far behind for scale.", "micro_elements": "Fine desert sand lifted by the horse’s movement, sharply defined gold engravings on the reins, visible embroidery threads on the gown, subtle translucency of sheer fabrics, radiant light reflections on gold surfaces, and crisp, realistic shadows—everything rendered with extreme clarity and zero blur." }, "lighting": { "type": "Cinematic natural golden-hour lighting with soft reflective highlights.", "effect": "Warm sunlight intensifies the white-and-gold palette, ignites the vibrant eye makeup colors and ink details, and illuminates the horse’s coat, creating a radiant, divine, editorial glow." }, "camera": { "camera_type": "DSLR", "resolution": "8K UHD", "lens": "50mm prime lens", "aperture": "f/8 for maximum sharpness across subject and background", "iso": 100, "shutter_speed": "1/250s to freeze motion while maintaining realism", "focus": "Extreme sharp focus from foreground to background, no bokeh, no blur" }, "style": "High-fashion editorial, cinematic realism, divine Egyptian royalty, white-and-gold couture contrasted with vibrant ceremonial eye art, powerful, sensual, ultra-detailed, sharp, majestic" }$