Affirm Holdings, Inc. (AFRM) vs Mastercard Incorporated (MA)
- Affirm Holdings, Inc. AFRM 74.01 −2.52%
- Mastercard Incorporated MA 617.42 +0.18%
Affirm Holdings, Inc. and Mastercard Incorporated are both Credit Services companies. Mastercard Incorporated is the larger, with a market value of $539.9B against $25.6B — 21.1× the size. Affirm Holdings, Inc. trades at the lower P/E: 13.0× against 33.9×. 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 20 metrics below, Affirm Holdings, Inc. leads on 11 and Mastercard Incorporated on 9.
Valuation
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% | 12.91% |
| Return on equity | 45.13% | 241.20% | 8.49% |
| Return on assets | 14.32% | 29.80% | 2.16% |
| Return on invested capital | 2.16% | 70.46% | 4.09% |
Growth
Health
Dividend
Size
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