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Affirm Holdings, Inc. (AFRM) vs FirstCash Holdings, Inc. (FCFS)

Affirm Holdings, Inc. and FirstCash Holdings, Inc. are both Credit Services companies. Affirm Holdings, Inc. is the larger, with a market value of $23.6B against $8.0B — 2.9× the size. Affirm Holdings, Inc. trades at the lower P/E: 11.8× against 20.4×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.7% against 22.9%. Affirm Holdings, Inc. has the higher net margin (43.9% vs 9.48%) and the higher return on invested capital (15.0% vs 9.40%). Across the 20 metrics below, Affirm Holdings, Inc. leads on 12 and FirstCash Holdings, Inc. on 8.

Valuation

Metric AFRM FCFS Credit Services median
P/E 11.76 20.38 8.96
P/S 5.20 1.89 1.00
P/B 4.15 3.56 1.23
Price to free cash flow 29.23 15.63 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 4.91% 7.17%
Free cash flow yield 3.42% 6.40% 11.75%

Profitability

Metric AFRM FCFS Credit Services median
Gross margin 0.00% 50.20% 76.61%
Operating margin 11.77% 15.85% 0.34%
Net margin 43.86% 9.48% 8.35%
Free cash flow margin 17.80% 12.09% 8.73%
Return on equity 44.49% 18.18% 9.05%
Return on assets 14.40% 7.57% 1.94%
Return on invested capital 15.03% 9.40% 4.56%

Growth

Metric AFRM FCFS Credit Services median
Revenue growth (TTM) 32.69% 22.93% 4.49%
EPS growth (last fiscal year) 3,586.67% 29.49% 21.94%
Revenue growth, 5-year CAGR 37.39% 17.55% 9.22%
Net income growth, 5-year CAGR 0.00% 25.39% 0.00%

Health

Metric AFRM FCFS Credit Services median
Debt to equity 0.00 1.08 0.69
Current ratio 11.80 4.81 1.26
Net debt to EBITDA 15.44 2.28 0.11

Dividend

Metric AFRM FCFS Credit Services median
Dividend yield — 0.89% 1.64%
Payout ratio — 0.18 0.21

Size

Metric AFRM FCFS Credit Services median
Market cap 23.62b 8.04b 759.73m

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