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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 $571.4B against $23.6B — 24.2× the size. Affirm Holdings, Inc. trades at the lower P/E: 11.8× against 34.2×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.7% against 15.3%. Mastercard Incorporated has the higher net margin (46.7% vs 43.9%) and the higher return on invested capital (67.6% vs 15.0%). Across the 20 metrics below, Affirm Holdings, Inc. leads on 11 and Mastercard Incorporated on 9.

Valuation

Metric AFRM MA Credit Services median
P/E 11.76 34.24 8.96
P/S 5.20 15.81 1.00
P/B 4.15 85.13 1.23
Price to free cash flow 29.23 37.19 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 2.92% 7.17%
Free cash flow yield 3.42% 2.69% 11.75%

Profitability

Metric AFRM MA Credit Services median
Gross margin 0.00% 100.00% 76.61%
Operating margin 11.77% 58.60% 0.34%
Net margin 43.86% 46.73% 8.35%
Free cash flow margin 17.80% 42.52% 8.73%
Return on equity 44.49% 231.37% 9.05%
Return on assets 14.40% 30.43% 1.94%
Return on invested capital 15.03% 67.64% 4.56%

Growth

Metric AFRM MA Credit Services median
Revenue growth (TTM) 32.69% 15.30% 4.49%
EPS growth (last fiscal year) 3,586.67% 18.93% 21.94%
Revenue growth, 5-year CAGR 37.39% 16.47% 9.22%
Net income growth, 5-year CAGR 0.00% 18.48% 0.00%

Health

Metric AFRM MA Credit Services median
Debt to equity 0.00 3.55 0.69
Current ratio 11.80 1.01 1.26
Net debt to EBITDA 15.44 0.34 0.11

Dividend

Metric AFRM MA Credit Services median
Dividend yield — 0.53% 1.64%
Payout ratio — 0.18 0.21

Size

Metric AFRM MA Credit Services median
Market cap 23.62b 571.42b 759.73m

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