How Affirm Holdings, Inc. stacks up

AFRM · against 161 other Financial Services companies listed in US-listed

Profitability

67/ 100

Above the middle of the pack.

Ranked #55 of 162 · scores higher than 66% of peers

Bars: peers in each 10-point band of the profitability score

16 peers with a profitability score of 60–69, including AFRM · Click a bar to see the companies

Why profitability scores 67?

Weighted metrics compared with all Financial Services companies.

Mainly thanks to its return on assets, which is stronger than most Financial Services peers.

a thinner operating margin: weaker than 73% of peers. Operating margin: 9.8% vs peer median 23.5%
a lower return on invested capital: weaker than 72% of peers. Return on invested capital: 2.4% vs peer median 6.3%
a higher return on assets: stronger than 92% of peers. Return on assets: 12.2% vs peer median 2.6%

Metric by metric

Position: dot = AFRM, ranked from the worst peer (left) to the best (right); tick = middle, shaded = middle half of peers.

Metric	AFRM	Peer median	Better than	Weight
Return on invested capitalHigher is better · 157 reported	2.4%	7.1%	22%	33%
Operating marginHigher is better · 84 reported	9.8%	23.1%	25%	33%
Return on assetsHigher is better · 183 reported	12.2%	2.6%	88%	33%
Return on equityHigher is better · 176 reported	45.1%	10.4%	93%	Context only
Gross marginHigher is better · 200 reported	48.9%	83.0%	31%	Context only

Ranking by profitability score

Top 5 and the companies ranked around AFRM

Rank	Company	Market cap	Profitability	Overall
1	Mastercard IncorporatedMA · US-listed	566.9B USD	99	48
2	Artisan Partners Asset Management Inc.APAM · US-listed	2.7B USD	98	63
2	Raymond James Financial, Inc.RJF · US-listed	31.1B USD	98	65
4	CorVel CorporationCRVL · US-listed	4.2B USD	97	55
4	Sprott Inc.SII · US-listed	2.7B USD	97	58
⋯
51	Value Line, Inc.VALU · US-listed	434M USD	70	43
52	Ares Management CorporationARES · US-listed	42.8B USD	69	39
52	EZCORP, Inc.EZPW · US-listed	1.8B USD	69	73
54	The Western Union CompanyWU · US-listed	1.9B USD	68	47
55	Affirm Holdings, Inc.AFRM · US-listed	24.3B USD	67	67
55	Vinci Compass Investments Ltd.VINP · US-listed	566M USD	67	75
57	Capital Southwest CorporationCSWC · US-listed	1.5B USD	66	74
57	FirstCash Holdings, Inc.FCFS · US-listed	8.4B USD	66	63
59	Crawford & CompanyCRD-A · US-listed	538M USD	65	43

Scores are sector-relative percentiles from the latest snapshot, always calculated against the whole sector: narrowing the comparison group changes who you compare with, not the scores. Missing metrics are left out and the remaining weights rescaled. How we score

Bringing the fundamentals into focus…