Affirm Holdings, Inc. (AFRM) vs American Express Company (AXP)
Affirm Holdings, Inc. and American Express Company are both Credit Services companies. American Express Company is the larger, with a market value of $207.3B against $24.1B — 8.6× the size. Affirm Holdings, Inc. trades at the lower P/E: 12.6× against 18.7×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.2% against 9.38%. Affirm Holdings, Inc. has the higher net margin (45.3% vs 13.5%) and the lower return on invested capital (2.16% vs 20.0%). Across the 21 metrics below, Affirm Holdings, Inc. leads on 12 and American Express Company on 9.
Valuation
Profitability
| Metric | AFRM | AXP | Credit Services median |
|---|---|---|---|
| Gross margin | 57.41% | 90.34% | 77.13% |
| Operating margin | 9.79% | 0.00% | 0.34% |
| Net margin | 45.29% | 13.45% | 9.25% |
| Free cash flow margin | 23.30% | 17.90% | 13.03% |
| Return on equity | 45.13% | 33.97% | 8.49% |
| Return on assets | 14.32% | 3.75% | 2.29% |
| Return on invested capital | 2.16% | 20.04% | 4.09% |
Growth
Health
Dividend
Size
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