{"id":243,"date":"2026-03-21T12:24:42","date_gmt":"2026-03-21T12:24:42","guid":{"rendered":"https:\/\/veqtio.com\/kr\/afrm-affirm-43-81-%ec%a7%80%ea%b8%88%ec%9d%b4-%ea%b8%b0%ed%9a%8c%ec%9d%bc%ea%b9%8c-87-2-%ec%83%81%ec%8a%b9%ec%97%ac%eb%a0%a5%ec%9d%98-%ec%a7%84%ec%8b%a4-verdict-wait\/"},"modified":"2026-04-05T13:12:21","modified_gmt":"2026-04-05T13:12:21","slug":"afrm-affirm-43-81-%ec%a7%80%ea%b8%88%ec%9d%b4-%ea%b8%b0%ed%9a%8c%ec%9d%bc%ea%b9%8c-87-2-%ec%83%81%ec%8a%b9%ec%97%ac%eb%a0%a5%ec%9d%98-%ec%a7%84%ec%8b%a4-verdict-wait","status":"publish","type":"post","link":"https:\/\/veqtio.com\/kr\/afrm-affirm-43-81-%ec%a7%80%ea%b8%88%ec%9d%b4-%ea%b8%b0%ed%9a%8c%ec%9d%bc%ea%b9%8c-87-2-%ec%83%81%ec%8a%b9%ec%97%ac%eb%a0%a5%ec%9d%98-%ec%a7%84%ec%8b%a4-verdict-wait\/","title":{"rendered":"[AFRM] Affirm, $43.81! \uc9c0\uae08\uc774 \uae30\ud68c\uc77c\uae4c? +87.2% \uc0c1\uc2b9\uc5ec\ub825\uc758 \uc9c4\uc2e4 [Verdict: WAIT]"},"content":{"rendered":"<p><title>[AFRM] Affirm, $43.81! \uc9c0\uae08\uc774 \uae30\ud68c\uc77c\uae4c? +87.2% \uc0c1\uc2b9\uc5ec\ub825\uc758 \uc9c4\uc2e4 [Verdict: WAIT]<\/title><\/p>\n<div style=\"max-width:760px;margin:0 auto;font-family:'Malgun Gothic',Arial,sans-serif;font-size:16px;line-height:1.9;\">\n<div style=\"background:linear-gradient(135deg,#1a1a2e,#16213e,#0f3460);padding:32px 24px;border-radius:12px;\">\n    <img decoding=\"async\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=affirm.com&#038;sz=128\" alt=\"Affirm Favicon\" style=\"width:24px;height:24px;vertical-align:middle;margin-right:8px;\"><br \/>\n    <span style=\"font-size:0.9em;color:#90caf9;\">\ud83c\uddfa\ud83c\uddf8 Veqtio \u00b7 \ubbf8\uad6d \uc8fc\uc2dd \uc2ec\uce35 \ubd84\uc11d<\/span><\/p>\n<h1 style=\"color:#ffffff;font-size:2.2em;margin-top:10px;margin-bottom:4px;\">[AFRM] Affirm Holdings, Inc. $43.81<\/h1>\n<div style=\"font-size:0.8em;color:#90caf9;margin-top:4px;\">Veqtio \u00b7 AI-Powered Equity Research \u00b7 veqtio.com\/kr<\/div>\n<\/p><\/div>\n<p style=\"font-size:1.2em;color:#0d47a1;font-weight:bold;margin:16px 0;\">\n    \ucd5c\uadfc \ubd84\uae30 \ub9e4\ucd9c\uc774 $401M\uc744 \uae30\ub85d\ud558\uba70 \uc2dc\uc7a5\uc758 \uae30\ub300\ub97c \ub6f0\uc5b4\ub118\uc5c8\ub294\ub370\uc694, \uacfc\uc5f0 \uc774 \ubaa8\uba58\ud140\uc774 \uc8fc\uac00\ub97c \ub2e4\uc2dc \ub04c\uc5b4\uc62c\ub9b4 \uc218 \uc788\uc744\uc9c0 \uc790\uc138\ud788 \ubd84\uc11d\ud569\ub2c8\ub2e4.\n  <\/p>\n<div style=\"display:flex;gap:8px;margin:24px 0;\">\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:10px;padding:12px 10px;flex:1;text-align:center;\">\n<div style=\"font-size:0.78em;color:#c0c0c0;\">\ud604\uc7ac \uc8fc\uac00<\/div>\n<div style=\"font-size:1.6em;font-weight:bold;color:#0d47a1;\">$43.81<\/div>\n<div style=\"font-size:0.82em;color:#c62828;\">-1.70%<\/div>\n<\/p><\/div>\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:10px;padding:12px 10px;flex:1;text-align:center;\">\n<div style=\"font-size:0.78em;color:#c0c0c0;\">\uc2dc\uac00\ucd1d\uc561<\/div>\n<div style=\"font-size:1.6em;font-weight:bold;color:#0d47a1;\">$14.6B<\/div>\n<div style=\"font-size:0.82em;color:#666;\">BNPL \uc2dc\uc7a5\uc758 \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4<\/div>\n<\/p><\/div>\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:10px;padding:12px 10px;flex:1;text-align:center;\">\n<div style=\"font-size:0.78em;color:#c0c0c0;\">\ucee8\uc13c\uc11c\uc2a4 \ubaa9\ud45c\uc8fc\uac00<\/div>\n<div style=\"font-size:1.6em;font-weight:bold;color:#2e7d32;\">$82<\/div>\n<div style=\"font-size:0.82em;color:#2e7d32;\">+87.2% \uc0c1\uc2b9\uc5ec\ub825<\/div>\n<\/p><\/div>\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:10px;padding:12px 10px;flex:1;text-align:center;\">\n<div style=\"font-size:0.78em;color:#c0c0c0;\">P\/E (TTM)<\/div>\n<div style=\"font-size:1.6em;font-weight:bold;color:#0d47a1;\">54.1x<\/div>\n<div style=\"font-size:0.82em;color:#666;\">S&#038;P 500 \ud3c9\uade0 21.0x \ub300\ube44<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div style=\"width:100%;height:12px;background:#e0e0e0;border-radius:6px;overflow:hidden;margin:16px 0;\">\n<div style=\"width:18.7%;height:100%;background:linear-gradient(90deg,#c62828,#ff8f00,#2e7d32);border-radius:6px;\"><\/div>\n<\/p><\/div>\n<div style=\"display:flex;justify-content:space-between;margin-top:4px;\">\n    <span style=\"font-size:0.85em;color:#c62828;\">52\uc8fc \uc800\uac00 $30.90<\/span><br \/>\n    <span style=\"font-size:0.85em;color:#2e7d32;\">52\uc8fc \uace0\uac00 $100.00<\/span>\n  <\/div>\n<div style=\"display:inline-block;background:#fff3e0;border:1px solid #ff8f00;border-radius:6px;padding:4px 12px;font-size:0.85em;margin-top:16px;\">\n    \ud83d\udcc5 \ub2e4\uc74c \uc2e4\uc801: 2026-05-08\n  <\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\ud83d\udccc \ud22c\uc790 \uc2a4\ub0c5\uc0f7<\/h2>\n<div style=\"background:#fff8e1;border-left:4px solid #ff8f00;padding:16px 20px;border-radius:8px;\">\n<ul style=\"list-style-type:disc;margin:0;padding-left:20px;\">\n<li style=\"margin-bottom:8px;\">\ud83d\udcb0 \uc8fc\uac00 &#038; \ubc38\ub958\uc5d0\uc774\uc158: \ud604\uc7ac \uc8fc\uac00\ub294 $43.81\ub85c, P\/E 54.1x\ub294 S&#038;P 500 \ud3c9\uade0 \ub300\ube44 \ub192\uc740 \ud504\ub9ac\ubbf8\uc5c4\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom:8px;\">\ud83d\udcc8 \ucd5c\uadfc \ubd84\uae30: Q4 FY25 \ub9e4\ucd9c\uc740 $401M, EPS\ub294 $0.37\uc744 \uae30\ub85d\ud558\uba70 \uacac\uc870\ud55c \uc131\uc7a5\uc138\ub97c \uc774\uc5b4\uac14\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom:8px;\">\ud83d\udd11 \uc9c0\uae08 \uac00\uc7a5 \uc911\uc694\ud55c \ucd09\ub9e4: BNPL(\uc120\uad6c\ub9e4 \ud6c4\uc9c0\ubd88) \uc2dc\uc7a5\uc758 \uc131\uc7a5\uacfc \ud30c\ud2b8\ub108\uc2ed \ud655\uc7a5\uc774 \uc8fc\uac00\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ud83c\udfaf \ucee8\uc13c\uc11c\uc2a4: \uc6d4\uac00 \uc560\ub110\ub9ac\uc2a4\ud2b8 26\uba85\uc758 \ud3c9\uade0 \ubaa9\ud45c\uc8fc\uac00\ub294 $82\ub85c, \ud604\uc7ac\uac00 \ub300\ube44 +87.2%\uc758 \ub192\uc740 \uc0c1\uc2b9\uc5ec\ub825\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<div style=\"background:linear-gradient(135deg,#0d1b2a,#1b2838);color:#e0e0e0;border-radius:10px;padding:20px 24px;margin-top:20px;\">\n<div style=\"font-size:1.15em;font-weight:bold;color:#fff;margin-bottom:12px;\">\u2696 Veqtio Verdict<\/div>\n<div style=\"font-size:0.95em;\">\n        \ud604\uc7ac \uc8fc\uac00\ub294 52\uc8fc \uace0\uc810 \ub300\ube44 \ud06c\uac8c \ud558\ub77d\ud588\uc9c0\ub9cc, RSI\uac00 \uc544\uc9c1 \uacfc\ub9e4\ub3c4 \uad6c\uac04\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub192\uc740 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uacfc \uc560\ub110\ub9ac\uc2a4\ud2b8 \ubaa9\ud45c\uac00\ub97c \uace0\ub824\ud560 \ub54c, \ucd94\uac00\uc801\uc778 \uc870\uc815 \uc2dc \uc9c4\uc785\uc744 \uae30\ub2e4\ub9ac\ub294 \uac83\uc774 \ud604\uba85\ud574 \ubcf4\uc785\ub2c8\ub2e4.\n      <\/div>\n<table style=\"width:100%;margin-top:12px;border-collapse:collapse;color:#e0e0e0 !important;font-size:0.93em;background:transparent !important;border:none !important;\">\n<tr style=\"background:transparent !important;\">\n<td style=\"padding:6px 8px 6px 0;color:#d0d0d0 !important;border:none !important;background:transparent !important;\">\ud83d\udccd 1\ucc28 \uc9c4\uc785<\/td>\n<td style=\"padding:6px 12px 6px 0;font-weight:bold;color:#2e7d32 !important;border:none !important;background:transparent !important;\">$40.00 \uc774\ud558<\/td>\n<td style=\"padding:6px 8px 6px 0;color:#d0d0d0 !important;border:none !important;background:transparent !important;\">\ud83d\uded1 \uc190\uc808<\/td>\n<td style=\"padding:6px 0;font-weight:bold;color:#c62828 !important;border:none !important;background:transparent !important;\">$35.00<\/td>\n<\/tr>\n<tr style=\"background:transparent !important;\">\n<td style=\"padding:4px 8px 4px 0;color:#d0d0d0 !important;border:none !important;background:transparent !important;\">\ud83d\udccb \uc804\ub7b5 \ubcc0\uacbd<\/td>\n<td colspan=\"3\" style=\"padding:4px 0;color:#90caf9 !important;border:none !important;background:transparent !important;\">RSI 30 \uc774\ud558 \uc9c4\uc785 \ub610\ub294 Q1 FY26 \uc2e4\uc801 \uc11c\ud504\ub77c\uc774\uc988 \uc2dc<\/td>\n<\/tr>\n<\/table>\n<div style=\"text-align:center;margin-top:12px;\">\n        <span style=\"display:inline-block;font-size:1.3em;font-weight:bold;padding:8px 28px;border-radius:8px;background:#ff8f00;color:#fff;\">WAIT<\/span>\n      <\/div>\n<div style=\"margin-top:8px;text-align:center;\">\n        <a href=\"https:\/\/veqtio.com\/investment-log\/\" target=\"_blank\"\n           style=\"color:#C9A84C;font-size:0.8em;text-decoration:none;\"><br \/>\n          \ud83d\udcca \uc2e4\uc2dc\uac04 \ud3ec\uc9c0\uc158 \ud604\ud669 \u2192<br \/>\n        <\/a>\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uc9c0\uae08 \uc65c Affirm Holdings(AFRM)\uc744 \ubd10\uc57c \ud560\uae4c?<\/h2>\n<p>\n    Affirm\uc740 &#8216;\uc120\uad6c\ub9e4 \ud6c4\uc9c0\ubd88(Buy Now, Pay Later, BNPL)&#8217; \uc11c\ube44\uc2a4\uc758 \uc120\ub450 \uc8fc\uc790\ub85c\uc11c, \uc18c\ube44\uc790\ub4e4\uc774 \uc774\uc790 \uc5c6\uc774 \ubd84\ud560 \uacb0\uc81c\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uacbd\uae30 \ubd88\ud655\uc2e4\uc131 \uc18d\uc5d0\uc11c\ub3c4 \uc18c\ube44\uc790\ub4e4\uc774 \uc720\uc5f0\ud55c \uacb0\uc81c \uc635\uc158\uc744 \uc120\ud638\ud558\uba74\uc11c Affirm\uc758 \uc11c\ube44\uc2a4\ub294 \ub354\uc6b1 \uac01\uad11\ubc1b\uace0 \uc788\uc8e0. \ud2b9\ud788 \uc8fc\uc694 \ub9ac\ud14c\uc77c \ud30c\ud2b8\ub108\uc2ed\uc744 \ud655\uc7a5\ud558\uba70 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \uafb8\uc900\ud788 \ub298\ub824\ub098\uac00\uace0 \uc788\ub2e4\ub294 \uc810\uc774 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4.\n  <\/p>\n<p>\n    \ud558\uc9c0\ub9cc \ub192\uc740 \uae08\ub9ac \ud658\uacbd\uc740 Affirm\uc5d0\uac8c \uc591\ub0a0\uc758 \uac80\uc785\ub2c8\ub2e4. \uc774\uc790 \uc5c6\ub294 \ubd84\ud560 \uacb0\uc81c\ub97c \uc81c\uacf5\ud558\uae30 \uc704\ud574 Affirm\uc740 \uc790\uccb4\uc801\uc73c\ub85c \uc790\uae08\uc744 \uc870\ub2ec\ud574\uc57c \ud558\ub294\ub370, \uae08\ub9ac\uac00 \uc624\ub974\uba74 \uc870\ub2ec \ube44\uc6a9\uc774 \uc99d\uac00\ud558\uc5ec \uc218\uc775\uc131\uc5d0 \uc555\ubc15\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uacbd\uae30 \ub454\ud654 \uc2dc \uc18c\ube44\uc790\ub4e4\uc758 \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c\uac00 \ucee4\uc838 \uc5f0\uccb4\uc728\uc774 \uc0c1\uc2b9\ud560 \uac00\ub2a5\uc131\ub3c4 \ubb34\uc2dc\ud560 \uc218 \uc5c6\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4.\n  <\/p>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uae30\uc5c5 \uac1c\uc694<\/h2>\n<table style=\"width:100%;border-collapse:collapse;margin-bottom:20px;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\ud56d\ubaa9<\/th>\n<th style=\"padding:12px;text-align:left;\">\ub0b4\uc6a9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\ud68c\uc0ac\uba85<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Affirm Holdings, Inc.<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\ud2f0\ucee4 \/ \uac70\ub798\uc18c<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">AFRM \/ NYSE<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\uc139\ud130 \/ \uc0b0\uc5c5<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Financial Services \/ Credit Services<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">CEO<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Max Levchin<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\uc124\ub9bd \/ \ubcf8\uc0ac<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">2012\ub144 \/ \uc0cc\ud504\ub780\uc2dc\uc2a4\ucf54, \uce98\ub9ac\ud3ec\ub2c8\uc544<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\uc9c0\uc218 \ud3b8\uc785<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">N\/A<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"display:flex;flex-wrap:wrap;gap:10px;margin-bottom:20px;\">\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:12px 16px;flex:1;min-width:140px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">EPS (TTM)<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#0d47a1;\">$0.81<\/div>\n<\/p><\/div>\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:12px 16px;flex:1;min-width:140px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">\ubc30\ub2f9\uc218\uc775\ub960<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#0d47a1;\">N\/A<\/div>\n<\/p><\/div>\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:12px 16px;flex:1;min-width:140px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">52\uc8fc \ucd5c\uace0\uac00<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#2e7d32;\">$100.00<\/div>\n<\/p><\/div>\n<div style=\"background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:12px 16px;flex:1;min-width:140px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">52\uc8fc \ucd5c\uc800\uac00<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#c62828;\">$30.90<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h3 style=\"color:#3f51b5;font-size:1.1em;margin-top:28px;\">\ub3d9\uc885 \uc5c5\uc885 P\/E \ube44\uad50<\/h3>\n<table style=\"width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\ud2f0\ucee4<\/th>\n<th style=\"padding:12px;text-align:left;\">\ud68c\uc0ac\uba85<\/th>\n<th style=\"padding:12px;text-align:right;\">P\/E (TTM)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"font-weight:bold;background:#fff8e1;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">AFRM<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">(This stock)<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">54.1x<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">S&#038;P 500 Avg<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">S&#038;P 500 Avg<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">21.0x<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">BRK-B<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Berkshire Hathaway Inc. 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<text x="58.0" y="62.1" text-anchor="middle" font-size="9" fill="#1565c0">$89</text>
<text x="77.9" y="51.9" text-anchor="middle" font-size="9" fill="#1565c0">$92</text>
<text x="700.0" y="231.2" text-anchor="middle" font-size="9" font-weight="bold" fill="#c62828">$44</text>
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<text x="58.0" y="258.0" text-anchor="middle" font-size="9" fill="#999">09/15</text>
<text x="162.5" y="258.0" text-anchor="middle" font-size="9" fill="#999">10/14</text>
<text x="267.0" y="258.0" text-anchor="middle" font-size="9" fill="#999">11/12</text>
<text x="371.5" y="258.0" text-anchor="middle" font-size="9" fill="#999">12/12</text>
<text x="476.0" y="258.0" text-anchor="middle" font-size="9" fill="#999">01/14</text>
<text x="580.6" y="258.0" text-anchor="middle" font-size="9" fill="#999">02/13</text>
<text x="685.1" y="258.0" text-anchor="middle" font-size="9" fill="#999">03/17</text>
<text x="650" y="276" font-size="8.5" fill="#ffa726">╌╌ SMA 50</text>
<text x="572" y="276" font-size="8.5" fill="#ef5350">╌╌ BB (20,2)</text>
<text x="516" y="276" font-size="8.5" fill="#1565c0">── Price</text>
</svg>\" alt=\"6-Month Price Chart with Bollinger Bands and SMA50\" style=\"width:100%;max-width:720px;height:auto;display:block;margin:0 auto;border-radius:8px;\"><\/div>\n<div style=\"font-size:0.78em;color:#888;text-align:center;margin-top:6px;\">6-Month Daily Price \u00b7 Bollinger Bands (20,2) \u00b7 SMA 50<\/div>\n<div style=\"display:flex;gap:8px;margin:16px 0;\">\n<div style=\"flex:1;background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:10px 12px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">RSI (14)<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#0d47a1;margin-bottom:4px;\">42.6<\/div>\n<div style=\"width:100%;height:10px;background:#e0e0e0;border-radius:5px;\">\n<div style=\"width:42.6%;height:100%;background:#1565c0;border-radius:5px;\"><\/div>\n<\/p><\/div>\n<div style=\"font-size:0.8em;color:#666;margin-top:4px;\">\uc911\ub9bd \uad6c\uac04 (50~70 \uc911\ub9bd\uac15\uc138, &lt;30 \uacfc\ub9e4\ub3c4)<\/div>\n<\/p><\/div>\n<div style=\"flex:1;background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:10px 12px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">MACD<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#0d47a1;margin-bottom:4px;\">-3.237<\/div>\n<div style=\"font-size:0.9em;color:#666;\">Signal: -3.301<\/div>\n<div style=\"display:inline-block;background:#f0f0f0;color:#666;border:1px solid #d0d0d0;border-radius:4px;padding:4px 8px;font-size:0.8em;margin-top:8px;\">Neutral<\/div>\n<\/p><\/div>\n<div style=\"flex:1;background:#f8f9fa;border:1px solid #e0e0e0;border-radius:8px;padding:10px 12px;\">\n<div style=\"font-size:0.8em;color:#c0c0c0;\">BB \uc704\uce58<\/div>\n<div style=\"font-size:1.3em;font-weight:bold;color:#0d47a1;margin-bottom:4px;\">18.7%<\/div>\n<div style=\"width:100%;height:10px;background:#e0e0e0;border-radius:5px;\">\n<div style=\"width:18.7%;height:100%;background:linear-gradient(90deg,#2e7d32,#1565c0,#c62828);border-radius:5px;\"><\/div>\n<\/p><\/div>\n<div style=\"font-size:0.8em;color:#666;margin-top:4px;\">\ud558\ub2e8 $43.16 \u2014 \uc911\ub2e8 $48.12 \u2014 \uc0c1\ub2e8 $53.07<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\n    \ud604\uc7ac AFRM \uc8fc\uac00\ub294 50\uc77c \uc774\ub3d9\ud3c9\uade0\uc120($57.85)\uacfc 200\uc77c \uc774\ub3d9\ud3c9\uade0\uc120($69.03) \ubaa8\ub450 \uc544\ub798\uc5d0 \uc704\uce58\ud558\uba70 \uc57d\uc138 \ud750\ub984\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. RSI\ub294 42.6\uc73c\ub85c \uacfc\ub9e4\ub3c4 \uad6c\uac04\uc740 \uc544\ub2c8\uc9c0\ub9cc, MACD\ub294 \uc911\ub9bd \uc2e0\ud638\ub97c \ub098\ud0c0\ub0b4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/p>\n<p>\n    \ubcfc\ub9b0\uc800 \ubc34\ub4dc \ud558\ub2e8($43.16)\uc5d0 \uadfc\uc811\ud55c $43.81\uc5d0 \uc704\uce58\ud558\uba70, \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uc9c0\uc9c0\uc120\uc744 \ud14c\uc2a4\ud2b8\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc 1\uac1c\uc6d4 \ubc0f 3\uac1c\uc6d4 \uc218\uc775\ub960\uc774 \uac01\uac01 -14.2%, -42.6%\ub85c \ud06c\uac8c \ud558\ub77d\ud55c \uc810\uc740 \ud22c\uc790\uc790\ub4e4\uc758 \uc8fc\uc758\uac00 \ud544\uc694\ud568\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.\n  <\/p>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uc2e4\uc801 \uc2ec\uce35 \ubd84\uc11d<\/h2>\n<table style=\"width:100%;border-collapse:collapse;margin-bottom:20px;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\ubd84\uae30<\/th>\n<th style=\"padding:12px;text-align:right;\">\ub9e4\ucd9c<\/th>\n<th style=\"padding:12px;text-align:right;\">EPS<\/th>\n<th style=\"padding:12px;text-align:center;\">YoY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Q4 FY25<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$401M<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$0.37<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;color:#1b5e20;font-weight:bold;\">+32.5%<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Q3 FY25<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$320M<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$0.23<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;color:#1b5e20;font-weight:bold;\">+38.2%<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Q2 FY25<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$2.4B<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">N\/A<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;color:#1b5e20;font-weight:bold;\">+40.4%<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Q1 FY25<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$273M<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$0.01<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;color:#1b5e20;font-weight:bold;\">+39.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"margin:20px 0;text-align:center;\"><img decoding=\"async\" src=\"data:image\/svg+xml;base64,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\" alt=\"Quarterly Revenue Bar Chart\" style=\"width:100%;max-width:720px;height:auto;display:block;margin:0 auto;border-radius:8px;background:#f5f5f5;\"><\/div>\n<p>\n    Affirm\uc740 \ucd5c\uadfc \ubd84\uae30\uc5d0\ub3c4 \uacac\uc870\ud55c \ub9e4\ucd9c \uc131\uc7a5\uc744 \uae30\ub85d\ud558\uba70 BNPL \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc785\uc9c0\ub97c \uacf5\uace0\ud788 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 Q4 FY25 \ub9e4\ucd9c\uc740 \uc804\ub144 \ub3d9\uae30 \ub300\ube44 +32.5% \uc99d\uac00\ud55c $401M\uc744 \ub2ec\uc131\ud558\uba70 \uc2dc\uc7a5\uc758 \uae30\ub300\ub97c \ucda9\uc871\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.\n  <\/p>\n<p>\n    \ub2e4\ub9cc, EPS\ub294 \ubd84\uae30\ubcc4\ub85c \ubcc0\ub3d9\uc131\uc774 \ud070 \ubaa8\uc2b5\uc744 \ubcf4\uc774\uba70 N\/A\ub97c \uae30\ub85d\ud55c \ubd84\uae30\ub3c4 \uc788\uc5b4 \uc218\uc775\uc131 \uac1c\uc120\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uae0d\uc815\uc801\uc778 \ud604\uae08\ud750\ub984\uc744 \ubc14\ud0d5\uc73c\ub85c \uc0ac\uc5c5 \ud655\uc7a5\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\uc9c0\ub9cc, \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc740 \uc544\uc9c1 \ubbf8\ubbf8\ud55c \uc218\uc900\uc785\ub2c8\ub2e4.\n  <\/p>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uc8fc\uac00\ub97c \uc6c0\uc9c1\uc774\ub294 \uc131\uc7a5 \ub3d9\ub825<\/h2>\n<ul style=\"list-style-type:disc;margin:0;padding-left:20px;\">\n<li style=\"margin-bottom:10px;\"><strong style=\"color:#1565c0;\">BNPL \uc2dc\uc7a5\uc758 \uc9c0\uc18d\uc801\uc778 \uc131\uc7a5 (\ud83d\udfe2)<\/strong>: \uc80a\uc740 \uc138\ub300\ub97c \uc911\uc2ec\uc73c\ub85c BNPL \uc11c\ube44\uc2a4 \uc774\uc6a9\uc774 \ud655\uc0b0\ub418\uace0 \uc788\uc73c\uba70, Affirm\uc740 \uc774 \uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc218\ud61c\uc790\uc785\ub2c8\ub2e4. \uae00\ub85c\ubc8c BNPL \uc2dc\uc7a5\uc740 2026\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 20% \uc774\uc0c1 \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/li>\n<li style=\"margin-bottom:10px;\"><strong style=\"color:#1565c0;\">\ud30c\ud2b8\ub108\uc2ed \ud655\uc7a5 \ubc0f \uc2e0\uaddc \uc11c\ube44\uc2a4 (\ud83d\udfe2)<\/strong>: Shopify, Amazon \ub4f1 \uc8fc\uc694 \ub9ac\ud14c\uc77c \ud50c\ub7ab\ud3fc\uacfc\uc758 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uc0ac\uc6a9\uc790 \uae30\ubc18\uc744 \ud655\ub300\ud558\uace0 \uc788\uc73c\uba70, \uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc635\uc158 \ubc0f \uae08\uc735 \uc0c1\ud488 \ucd9c\uc2dc\ub85c \uc11c\ube44\uc2a4 \uc601\uc5ed\uc744 \ub113\ud788\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong style=\"color:#1565c0;\">\ub370\uc774\ud130 \uae30\ubc18 \uc2e0\uc6a9 \ud3c9\uac00 \ubaa8\ub378 (\ud83d\udfe1)<\/strong>: Affirm\uc758 \ub3c5\uc790\uc801\uc778 \uc2e0\uc6a9 \ud3c9\uac00 \ubaa8\ub378\uc740 \uae30\uc874 \uae08\uc735\uad8c\ubcf4\ub2e4 \ub354 \uc720\uc5f0\ud558\uba74\uc11c\ub3c4 \uc815\uad50\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uc5ec, \uc7a0\uc7ac \uace0\uac1d\uc744 \ud655\ub300\ud558\uace0 \uc2e0\uc6a9 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uc2a4\ub9c8\ud2b8\uba38\ub2c8 &#038; \uae30\uad00 \ud3ec\uc9c0\uc158<\/h2>\n<h3 style=\"color:#3f51b5;font-size:1.1em;margin-top:28px;\">\uc8fc\uc694 \uae30\uad00 \ud22c\uc790\uc790 \ubcf4\uc720 \ud604\ud669<\/h3>\n<table style=\"width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\uae30\uad00\uba85<\/th>\n<th style=\"padding:12px;text-align:right;\">\ubcf4\uc720\uc8fc\uc218 (K)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Vanguard Group Inc<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">24,847K<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Capital Research Global<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">23,145K<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Morgan Stanley<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">23,010K<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Capital World Investors<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">21,710K<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Blackrock Inc.<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">18,873K<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:0.85em;color:#666;margin-top:8px;\">* \uae30\uad00 \ubcf4\uc720 \ud604\ud669\uc740 \uc57d 45\uc77c\uc758 \ubcf4\uace0 \uc9c0\uc5f0\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3 style=\"color:#3f51b5;font-size:1.1em;margin-top:28px;\">\uacf5\ub9e4\ub3c4 \ud604\ud669<\/h3>\n<table style=\"width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\ud56d\ubaa9<\/th>\n<th style=\"padding:12px;text-align:right;\">\uc218\uce58<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\uc720\ub3d9\uc8fc\uc2dd \ub300\ube44 \uacf5\ub9e4\ub3c4 \ube44\uc911<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">6.11%<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">\ucee4\ubc84 \uc18c\uc694\uc77c (Days to Cover)<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">2.1\uc77c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\n    Affirm\uc758 \uacf5\ub9e4\ub3c4 \ube44\uc911\uc740 6.11%\ub85c, \uc774\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc5b4\ub290 \uc815\ub3c4\uc758 \uc57d\uc138 \ud3ec\uc9c0\uc158\uc774 \uc874\uc7ac\ud568\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4. \ucee4\ubc84 \uc18c\uc694\uc77c\uc774 2.1\uc77c\ub85c \ube44\uad50\uc801 \uc9e7\uc544 \uae09\uaca9\ud55c \uc20f \uc2a4\ud034\uc988 \uac00\ub2a5\uc131\uc740 \ub0ae\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc8fc\ubaa9\ud560 \ub9cc\ud55c \uc218\uc900\uc758 \ub9e4\ub3c4 \uc555\ub825\uc774 \uc788\ub2e4\uace0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/p>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\ud575\uc2ec \ub9ac\uc2a4\ud06c \ub9e4\ud2b8\ub9ad\uc2a4<\/h2>\n<div style=\"display:flex;flex-wrap:wrap;gap:12px;\">\n<div style=\"min-width:320px;flex:1;border-radius:10px;padding:16px;background:#fff5f5;\">\n<div style=\"display:inline-block;padding:3px 10px;border-radius:4px;font-size:0.8em;font-weight:bold;color:#fff;background:#b71c1c;\">\ubc1c\uc0dd\uac00\ub2a5\uc131: <span style=\"background:#b71c1c;color:#fff;padding:2px 7px;border-radius:4px;font-size:0.85em;font-weight:bold;\">\ud83d\udd34 \ub192\uc74c<\/span><\/div>\n<p>      <strong style=\"color:#e65100;display:block;margin-top:8px;\">\uae08\ub9ac \uc778\uc0c1 \ubc0f \uacbd\uae30 \ub454\ud654<\/strong><\/p>\n<p style=\"font-size:0.9em;margin-top:4px;\">\uace0\uae08\ub9ac \ud658\uacbd\uc740 \uc790\uae08 \uc870\ub2ec \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0a4\uace0, \uacbd\uae30 \ub454\ud654\ub294 \uc18c\ube44\uc790\ub4e4\uc758 \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c\ub97c \ub192\uc5ec \uc5f0\uccb4\uc728 \uc0c1\uc2b9\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<div style=\"width:100%;height:8px;border-radius:4px;background:#e0e0e0;margin-top:10px;\">\n<div style=\"width:60%;height:100%;background:#ff8f00;border-radius:4px;\"><\/div>\n<\/p><\/div>\n<p>      <span style=\"font-size:0.75em;color:#666;float:right;margin-top:4px;\">~$10B \uc601\ud5a5<\/span>\n    <\/div>\n<div style=\"min-width:320px;flex:1;border-radius:10px;padding:16px;background:#fffde7;\">\n<div style=\"display:inline-block;padding:3px 10px;border-radius:4px;font-size:0.8em;font-weight:bold;color:#fff;background:#e65100;\">\ubc1c\uc0dd\uac00\ub2a5\uc131: <span style=\"background:#e65100;color:#fff;padding:2px 7px;border-radius:4px;font-size:0.85em;font-weight:bold;\">\ud83d\udfe0 \uc911\uac04<\/span><\/div>\n<p>      <strong style=\"color:#e65100;display:block;margin-top:8px;\">\uacbd\uc7c1 \uc2ec\ud654 \ubc0f \uaddc\uc81c \uac15\ud654<\/strong><\/p>\n<p style=\"font-size:0.9em;margin-top:4px;\">Apple, PayPal \ub4f1 \ub300\ud615 IT \uae30\uc5c5\ub4e4\uc758 BNPL \uc2dc\uc7a5 \uc9c4\ucd9c\ub85c \uacbd\uc7c1\uc774 \uc2ec\ud654\ub418\uace0 \uc788\uc73c\uba70, BNPL \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc815\ubd80 \uaddc\uc81c \uac15\ud654 \uac00\ub2a5\uc131\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<div style=\"width:100%;height:8px;border-radius:4px;background:#e0e0e0;margin-top:10px;\">\n<div style=\"width:60%;height:100%;background:#ff8f00;border-radius:4px;\"><\/div>\n<\/p><\/div>\n<p>      <span style=\"font-size:0.75em;color:#666;float:right;margin-top:4px;\">~$8B \uc601\ud5a5<\/span>\n    <\/div>\n<div style=\"min-width:320px;flex:1;border-radius:10px;padding:16px;background:#fff5f5;\">\n<div style=\"display:inline-block;padding:3px 10px;border-radius:4px;font-size:0.8em;font-weight:bold;color:#fff;background:#b71c1c;\">\ubc1c\uc0dd\uac00\ub2a5\uc131: <span style=\"background:#b71c1c;color:#fff;padding:2px 7px;border-radius:4px;font-size:0.85em;font-weight:bold;\">\ud83d\udd34 \ub192\uc74c<\/span><\/div>\n<p>      <strong style=\"color:#e65100;display:block;margin-top:8px;\">\uc2e0\uc6a9 \uc190\uc2e4 \uc99d\uac00<\/strong><\/p>\n<p style=\"font-size:0.9em;margin-top:4px;\">\uacbd\uc81c \uc0c1\ud669 \uc545\ud654 \uc2dc \uc18c\ube44\uc790\ub4e4\uc758 \uc0c1\ud658 \ub2a5\ub825\uc774 \uc800\ud558\ub418\uc5b4 Affirm\uc758 \uc2e0\uc6a9 \uc190\uc2e4\uc774 \uc608\uc0c1\ubcf4\ub2e4 \ucee4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<div style=\"width:100%;height:8px;border-radius:4px;background:#e0e0e0;margin-top:10px;\">\n<div style=\"width:60%;height:100%;background:#ff8f00;border-radius:4px;\"><\/div>\n<\/p><\/div>\n<p>      <span style=\"font-size:0.75em;color:#666;float:right;margin-top:4px;\">~$7B \uc601\ud5a5<\/span>\n    <\/div>\n<div style=\"min-width:320px;flex:1;border-radius:10px;padding:16px;background:#fffde7;\">\n<div style=\"display:inline-block;padding:3px 10px;border-radius:4px;font-size:0.8em;font-weight:bold;color:#fff;background:#e65100;\">\ubc1c\uc0dd\uac00\ub2a5\uc131: <span style=\"background:#e65100;color:#fff;padding:2px 7px;border-radius:4px;font-size:0.85em;font-weight:bold;\">\ud83d\udfe0 \uc911\uac04<\/span><\/div>\n<p>      <strong style=\"color:#e65100;display:block;margin-top:8px;\">\uc8fc\uc694 \ud30c\ud2b8\ub108\uc2ed \uc758\uc874\ub3c4<\/strong><\/p>\n<p style=\"font-size:0.9em;margin-top:4px;\">\uc8fc\uc694 \ub9ac\ud14c\uc77c \ud30c\ud2b8\ub108\uc640\uc758 \uad00\uacc4\uac00 \uc545\ud654\ub418\uac70\ub098 \ud30c\ud2b8\ub108\uc2ed\uc774 \uc885\ub8cc\ub420 \uacbd\uc6b0, Affirm\uc758 \ub9e4\ucd9c \ubc0f \uc0ac\uc6a9\uc790 \ud655\ubcf4\uc5d0 \ud070 \ud0c0\uaca9\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<div style=\"width:100%;height:8px;border-radius:4px;background:#e0e0e0;margin-top:10px;\">\n<div style=\"width:30%;height:100%;background:#43a047;border-radius:4px;\"><\/div>\n<\/p><\/div>\n<p>      <span style=\"font-size:0.75em;color:#666;float:right;margin-top:4px;\">~$5B \uc601\ud5a5<\/span>\n    <\/div>\n<\/p><\/div>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uac00\uc774\ub358\uc2a4 &#038; \uc6d4\uac00 \uc2dc\uac01<\/h2>\n<h3 style=\"color:#3f51b5;font-size:1.1em;margin-top:28px;\">\ucd5c\uadfc \uc560\ub110\ub9ac\uc2a4\ud2b8 \ud22c\uc790\uc758\uacac<\/h3>\n<table style=\"width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\uc99d\uad8c\uc0ac<\/th>\n<th style=\"padding:12px;text-align:left;\">\ud22c\uc790\uc758\uacac<\/th>\n<th style=\"padding:12px;text-align:right;\">\ubaa9\ud45c\uc8fc\uac00<\/th>\n<th style=\"padding:12px;text-align:center;\">\ub0a0\uc9dc<\/th>\n<th style=\"padding:12px;text-align:left;\">\uc561\uc158<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Truist Securities<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;color:#2e7d32;\">Buy<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$71.00<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;\">2026-02-20<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Maintain<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Baird<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;color:#ff6f00;\">Neutral<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$55.00<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;\">2026-02-20<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Initiate<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Cantor Fitzgerald<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;color:#2e7d32;\">Overweight<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$85.00<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;\">2026-02-09<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Reiterate<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">Mizuho<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;color:#2e7d32;\">Outperform<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$95.00<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;\">2026-02-09<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Maintain<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;\">JP Morgan<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;color:#2e7d32;\">Overweight<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">$79.00<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;\">2026-02-06<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;\">Maintain<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"color:#3f51b5;font-size:1.1em;margin-top:28px;\">\uc560\ub110\ub9ac\uc2a4\ud2b8 \ucee8\uc13c\uc11c\uc2a4<\/h3>\n<table style=\"width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr style=\"background:#1a237e;color:#fff;\">\n<th style=\"padding:12px;text-align:left;\">\ucd5c\uace0 \ubaa9\ud45c\uac00<\/th>\n<th style=\"padding:12px;text-align:left;\">\ud3c9\uade0 \ubaa9\ud45c\uac00<\/th>\n<th style=\"padding:12px;text-align:left;\">\ucd5c\uc800 \ubaa9\ud45c\uac00<\/th>\n<th style=\"padding:12px;text-align:right;\">\ucd1d \uc560\ub110\ub9ac\uc2a4\ud2b8<\/th>\n<th style=\"padding:12px;text-align:center;\">\ucee8\uc13c\uc11c\uc2a4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:12px;border:1px solid #ddd;font-weight:bold;\">$110<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;font-weight:bold;\">$82<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;font-weight:bold;\">$53<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:right;\">26\uba85<\/td>\n<td style=\"padding:12px;border:1px solid #ddd;text-align:center;font-weight:bold;color:#2e7d32;\">BUY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\n    \uc6d4\uac00 \uc560\ub110\ub9ac\uc2a4\ud2b8\ub4e4\uc740 Affirm\uc5d0 \ub300\ud574 &#8216;BUY&#8217; \ucee8\uc13c\uc11c\uc2a4\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc73c\uba70, \ud3c9\uade0 \ubaa9\ud45c\uc8fc\uac00\ub294 $82\ub85c \ud604\uc7ac\uac00 \ub300\ube44 +87.2%\uc758 \ub192\uc740 \uc0c1\uc2b9\uc5ec\ub825\uc744 \ubcf4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uace0 \ubaa9\ud45c\uac00\ub294 $110, \ucd5c\uc800 \ubaa9\ud45c\uac00\ub294 $53\ub85c \ubaa9\ud45c\uac00 \ubc94\uc704\uac00 \ub113\uc740 \ud3b8\uc774\uc9c0\ub9cc, \uc804\ubc18\uc801\uc73c\ub85c \uae0d\uc815\uc801\uc778 \uc2dc\uac01\uc774 \uc6b0\uc138\ud569\ub2c8\ub2e4.\n  <\/p>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uac15\uc138 vs \uc57d\uc138 \u2014 \uc2dc\ub098\ub9ac\uc624\ubcc4 \ud655\ub960<\/h2>\n<div style=\"background:#e8f5e9;border-left:4px solid #2e7d32;padding:16px 20px;border-radius:8px;margin-bottom:20px;\">\n<h3 style=\"color:#2e7d32;font-size:1.1em;margin-top:0;\">\ud83d\udfe2 \uac15\uc138 \uc2dc\ub098\ub9ac\uc624<\/h3>\n<ul style=\"list-style-type:disc;margin:0;padding-left:20px;\">\n<li style=\"margin-bottom:8px;\">BNPL \uc2dc\uc7a5\uc758 \uc608\uc0c1\ubcf4\ub2e4 \ube60\ub978 \uc131\uc7a5\uacfc Affirm\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728 \ud655\ub300\uac00 \uac00\uc18d\ud654\ub420 \uacbd\uc6b0.<\/li>\n<li>\uc2e0\uc6a9 \uc190\uc2e4\ub960\uc774 \uc548\uc815\uc801\uc73c\ub85c \uad00\ub9ac\ub418\uace0, \uae08\ub9ac \uc778\uc0c1 \uc555\ubc15\uc774 \uc644\ud654\ub418\uc5b4 \uc218\uc775\uc131 \uac1c\uc120\uc774 \ub69c\ub837\ud574\uc9c8 \uacbd\uc6b0.<\/li>\n<\/ul>\n<div style=\"display:flex;align-items:center;gap:8px;margin:8px 0;\">\n      <span style=\"font-weight:bold;font-size:1.1em;color:#2e7d32;\">Probability: 35%<\/span><\/p>\n<div style=\"width:120px;height:12px;background:#e0e0e0;border-radius:6px;display:inline-block;\">\n<div style=\"width:35%;height:100%;background:#2e7d32;border-radius:6px;\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p style=\"font-weight:bold;color:#2e7d32;margin-top:8px;\">\ubaa9\ud45c\uc8fc\uac00: $85<\/p>\n<\/p><\/div>\n<div style=\"background:#fff8e1;border-left:4px solid #ff8f00;padding:16px 20px;border-radius:8px;margin-bottom:20px;\">\n<h3 style=\"color:#ff8f00;font-size:1.1em;margin-top:0;\">\ud83d\udfe1 \uae30\ubcf8 \uc2dc\ub098\ub9ac\uc624<\/h3>\n<ul style=\"list-style-type:disc;margin:0;padding-left:20px;\">\n<li style=\"margin-bottom:8px;\">BNPL \uc2dc\uc7a5\uc740 \uafb8\uc900\ud788 \uc131\uc7a5\ud558\uc9c0\ub9cc, \uacbd\uc7c1 \uc2ec\ud654\uc640 \uae08\ub9ac \ubcc0\ub3d9\uc131\uc73c\ub85c \uc778\ud574 \uc218\uc775\uc131 \uac1c\uc120 \uc18d\ub3c4\uac00 \uc608\uc0c1\ubcf4\ub2e4 \ub354\ub51c \uacbd\uc6b0.<\/li>\n<\/ul>\n<p style=\"font-weight:bold;color:#ff8f00;margin-top:8px;\">\uc801\uc815\uc8fc\uac00: $60<\/p>\n<\/p><\/div>\n<div style=\"background:#ffebee;border-left:4px solid #c62828;padding:16px 20px;border-radius:8px;\">\n<h3 style=\"color:#c62828;font-size:1.1em;margin-top:0;\">\ud83d\udd34 \uc57d\uc138 \uc2dc\ub098\ub9ac\uc624<\/h3>\n<ul style=\"list-style-type:disc;margin:0;padding-left:20px;\">\n<li style=\"margin-bottom:8px;\">\uae00\ub85c\ubc8c \uacbd\uae30 \uce68\uccb4\uac00 \uc2ec\ud654\ub418\uace0, \uc18c\ube44\uc790\ub4e4\uc758 \uc2e0\uc6a9 \ubd88\ub7c9\ub960\uc774 \uae09\uc99d\ud558\uc5ec Affirm\uc758 \ub300\uc190\ucda9\ub2f9\uae08\uc774 \ud06c\uac8c \ub298\uc5b4\ub0a0 \uacbd\uc6b0.<\/li>\n<li>BNPL \uc0b0\uc5c5\uc5d0 \ub300\ud55c \uac15\ub825\ud55c \uaddc\uc81c\uac00 \ub3c4\uc785\ub418\uac70\ub098, \uc8fc\uc694 \ud30c\ud2b8\ub108\uc2ed\uc774 \ud574\uc9c0\ub418\uc5b4 \ub9e4\ucd9c\uc5d0 \uc9c1\uc811\uc801\uc778 \ud0c0\uaca9\uc744 \uc785\uc744 \uacbd\uc6b0.<\/li>\n<\/ul>\n<div style=\"display:flex;align-items:center;gap:8px;margin:8px 0;\">\n      <span style=\"font-weight:bold;font-size:1.1em;color:#c62828;\">Probability: 30%<\/span><\/p>\n<div style=\"width:120px;height:12px;background:#e0e0e0;border-radius:6px;display:inline-block;\">\n<div style=\"width:30%;height:100%;background:#c62828;border-radius:6px;\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p style=\"font-weight:bold;color:#c62828;margin-top:8px;\">\ud558\ubc29 \ubaa9\ud45c\uc8fc\uac00: $35<\/p>\n<\/p><\/div>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\ud83c\uddf0\ud83c\uddf7 \ud55c\uad6d \ud22c\uc790\uc790 \ucc38\uace0\uc0ac\ud56d<\/h2>\n<div style=\"background:#f3e5f5;border-radius:10px;padding:20px;\">\n<p style=\"margin-bottom:10px;\"><strong style=\"color:#9c27b0;\">\ud658\uc728 \ubcc0\ub3d9\uc131:<\/strong> \ud604\uc7ac USD\/KRW \ud658\uc728\uc740 \uc57d 1,350\uc6d0\ub300\ub85c, \ub2ec\ub7ec \uac15\uc138\ub294 \ubbf8\uad6d \uc8fc\uc2dd \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uae0d\uc815\uc801\uc774\uc9c0\ub9cc, \ud658\uc728 \ud558\ub77d \uc2dc \ud658\ucc28\uc190\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud658\ud5e4\uc9c0 ETF \ud65c\uc6a9\ub3c4 \uace0\ub824\ud574\ubcfc \ub9cc\ud558\uc8e0.<\/p>\n<p style=\"margin-bottom:10px;\"><strong style=\"color:#9c27b0;\">\uc138\uae08 \ubb38\uc81c:<\/strong> \ubbf8\uad6d \uc8fc\uc2dd \uc591\ub3c4\uc18c\ub4dd\uc138\ub294 \uc5f0 250\ub9cc\uc6d0 \uacf5\uc81c \ud6c4 \ucd08\uacfc\ubd84\uc5d0 \ub300\ud574 22%\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. \ubc30\ub2f9\uae08\uc758 \uacbd\uc6b0 \ubbf8\uad6d\uc5d0\uc11c 15% \uc6d0\ucc9c\uc9d5\uc218 \ud6c4 \ud55c\uad6d\uc5d0\uc11c 7% \ucd94\uac00 \uacfc\uc138\ub418\uc5b4 \ucd1d 22%\uc758 \uc138\uae08\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n<p><strong style=\"color:#9c27b0;\">\uac70\ub798 \uc2dc\uac04:<\/strong> \ubbf8\uad6d \uc815\uaddc\uc7a5\uc740 \ud55c\uad6d \uc2dc\uac04\uc73c\ub85c 23:30\ubd80\ud130 \ub2e4\uc74c \ub0a0 06:00\uae4c\uc9c0(\uc11c\uba38\ud0c0\uc784 \uc801\uc6a9 \uc2dc 22:30~05:00)\uc785\ub2c8\ub2e4. \uad6d\ub0b4 \uc99d\uad8c\uc0ac\ubcc4\ub85c \uc0c1\uc774\ud558\uc9c0\ub9cc, \ubcf4\ud1b5 0.07~0.25% \uc218\uc900\uc758 \uac70\ub798 \uc218\uc218\ub8cc\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div style=\"height:1px;background:#ddd;margin:48px 0;\"><\/div>\n<h2 style=\"color:#0d47a1;border-bottom:2px solid #0d47a1;padding-bottom:10px;font-size:1.3em;margin-top:40px;\">\uba74\ucc45 \uace0\uc9c0 &#038; \ud574\uc2dc\ud0dc\uadf8<\/h2>\n<p style=\"font-size:0.9em;color:#666;\">\n    \ubcf8 Veqtio \ubd84\uc11d\uc740 \uc815\ubcf4 \uc81c\uacf5 \ubaa9\uc801\uc73c\ub85c\ub9cc \uc791\uc131\ub418\uc5c8\uc73c\uba70, \ud22c\uc790 \uc790\ubb38\uc73c\ub85c \ud574\uc11d\ub418\uc5b4\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4. \ubaa8\ub4e0 \ud22c\uc790 \uacb0\uc815\uc740 \uac1c\uc778\uc758 \ud310\ub2e8\uacfc \ucc45\uc784 \ud558\uc5d0 \uc774\ub8e8\uc5b4\uc838\uc57c \ud569\ub2c8\ub2e4. Veqtio\ub294 \ubcf8 \uc790\ub8cc\uc758 \uc815\ud655\uc131\uc774\ub098 \uc644\uc804\uc131\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n  <\/p>\n<div style=\"font-size:0.9em;color:#666;margin-top:8px;\">\n    \ubaa8\ub4e0 \ud3ec\uc9c0\uc158\uacfc \uc2e4\uc2dc\uac04 \uc218\uc775\ub960\uc740 <a href='https:\/\/veqtio.com\/investment-log\/' style='color:#C9A84C;font-weight:bold;'>Investment Log<\/a>\uc5d0\uc11c \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/div>\n<div style=\"margin-top:20px;\">\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#AFRM<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#\ubbf8\uad6d\uc8fc\uc2dd<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#\ud574\uc678\uc8fc\uc2dd<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#\uc8fc\uc2dd\ubd84\uc11d<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#Veqtio<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#Affirm<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#BNPL<\/span><br \/>\n    <span style=\"background:#e0e0e0;border-radius:4px;padding:4px 8px;display:inline-block;margin-right:6px;margin-bottom:6px;\">#\uae08\uc735\uc11c\ube44\uc2a4<\/span>\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>[AFRM] Affirm, $43.81! \uc9c0\uae08\uc774 \uae30\ud68c\uc77c\uae4c? +87.2% \uc0c1\uc2b9\uc5ec\ub825\uc758 \uc9c4\uc2e4 [Verdict: WAIT] \ud83c\uddfa\ud83c\uddf8 Veqtio \u00b7 \ubbf8\uad6d \uc8fc\uc2dd \uc2ec\uce35 \ubd84\uc11d [AFRM] Affirm Holdings, Inc. $43.81 Veqtio \u00b7 AI-Powered&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_aioseo_title":"AFRM \uc8fc\uac00 \ubd84\uc11d: \ub9e4\uc218 vs \uad00\ub9dd","_aioseo_description":"[AFRM] Affirm, $43.81! \uc9c0\uae08\uc774 \uae30\ud68c\uc77c\uae4c? +87.2% \uc0c1\uc2b9\uc5ec\ub825\uc758 \uc9c4\uc2e4. \uacb0\ub860: \uad00\ub9dd. Veqtio\uc5d0\uc11c \uc804\uccb4 \ubd84\uc11d\uc744 \ud655\uc778\ud558\uc138\uc694.","_aioseo_keywords":null,"footnotes":""},"categories":[43,22],"tags":[211,210,212,12,66,9,11,10],"class_list":["post-243","post","type-post","status-publish","format-standard","hentry","category-43","category-stock","tag-affirm","tag-afrm","tag-bnpl","tag-veqtio","tag-66","tag-9","tag-11","tag-10"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/posts\/243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/comments?post=243"}],"version-history":[{"count":1,"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/posts\/243\/revisions"}],"predecessor-version":[{"id":307,"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/posts\/243\/revisions\/307"}],"wp:attachment":[{"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/media?parent=243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/categories?post=243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veqtio.com\/kr\/wp-json\/wp\/v2\/tags?post=243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}