Bringing the fundamentals into focus…
Back to Affirm Holdings, Inc.
How Affirm Holdings, Inc. stacks up
AFRM · against 38 other Financial Services companies of similar size
Profitability
67/ 100
Below the middle of the pack.
Ranked #22 of 39 · scores higher than 45% of peers
Bars: peers in each 10-point band of the profitability score7 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 | Position among peers | Weight |
|---|---|---|---|---|---|
| Return on invested capitalHigher is better · 41 reported | 2.4% | 11.6% | 8% | 33% | |
| Operating marginHigher is better · 26 reported | 9.8% | 27.4% | 12% | 33% | |
| Return on assetsHigher is better · 39 reported | 12.2% | 2.6% | 82% | 33% | |
| Return on equityHigher is better · 39 reported | 45.1% | 15.6% | 95% | Context only | |
| Gross marginHigher is better · 45 reported | 48.9% | 60.8% | 30% | Context only |
Ranking by profitability score
Top 5 and the companies ranked around AFRM| Rank | Company | Market cap | Profitability | Overall |
|---|---|---|---|---|
| 1 | 1.05T INR (≈$12.6B) | 100 | 65 | |
| 2 | 1.49T INR (≈$17.9B) | 99 | 71 | |
| 2 | 21.7B SGD (≈$16.5B) | 99 | 61 | |
| 4 | 226.5B SEK (≈$22.7B) | 98 | 87 | |
| 4 | 31.1B USD | 98 | 65 | |
| 18 | 18.9B USD | 76 | 56 | |
| 19 | 42.8B USD | 69 | 39 | |
| 19 | 19.0B CAD (≈$13.9B) | 69 | 60 | |
| 21 | 1.01T INR (≈$12.2B) | 68 | 84 | |
| 22 | 24.3B USD | 67 | 67 | |
| 23 | 31.6B USD | 63 | 57 | |
| 24 | 16.6B CAD (≈$12.2B) | 61 | 48 | |
| 25 | 23.7B USD | 60 | 59 | |
| 26 | 15.1B USD | 57 | 49 |
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