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Screener Weekly Summary Pricing

Affirm Holdings, Inc. (AFRM) vs Mastercard Incorporated (MA)

Affirm Holdings, Inc. and Mastercard Incorporated are both Credit Services companies. Mastercard Incorporated is the larger, with a market value of $494.4B against $24.1B — 20.6× the size. Affirm Holdings, Inc. trades at the lower P/E: 12.6× against 31.2×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.2% against 16.0%. Mastercard Incorporated has the higher net margin (46.3% vs 45.3%) and the higher return on invested capital (70.5% vs 2.16%). Across the 22 metrics below, Affirm Holdings, Inc. leads on 12 and Mastercard Incorporated on 10.

Valuation

Metric AFRM MA Credit Services median
P/E 12.56 31.17 9.64
P/S 5.64 14.27 0.87
P/B 4.38 89.31 1.16
Price to free cash flow 24.21 31.34 2.99
EV/EBITDA 71.79 21.32 9.58
EV/Sales 7.19 14.63 2.32
Earnings yield 7.96% 3.21% 6.72%
Free cash flow yield 4.13% 3.19% 12.33%

Profitability

Metric AFRM MA Credit Services median
Gross margin 57.41% 100.00% 77.13%
Operating margin 9.79% 58.33% 0.34%
Net margin 45.29% 46.34% 9.25%
Free cash flow margin 23.30% 45.53% 13.03%
Return on equity 45.13% 241.20% 8.49%
Return on assets 14.32% 29.80% 2.29%
Return on invested capital 2.16% 70.46% 4.09%

Growth

Metric AFRM MA Credit Services median
Revenue growth (TTM) 32.15% 16.01% 4.62%
EPS growth (last fiscal year) 3,586.67% 18.93% —
Revenue growth, 5-year CAGR 37.39% 16.47% 9.13%
Net income growth, 5-year CAGR 0.00% 18.48% 0.00%

Health

Metric AFRM MA Credit Services median
Debt to equity 1.82 4.40 0.68
Current ratio 11.80 1.06 1.55
Net debt to EBITDA 15.44 0.34 0.13

Dividend

Metric AFRM MA Credit Services median
Dividend yield — 0.54% 3.34%
Payout ratio 0.00 0.20 0.00

Size

Metric AFRM MA Credit Services median
Market cap 24.05b 494.44b 872.19m

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