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Affirm Holdings, Inc. (AFRM) vs SoFi Technologies, Inc. (SOFI)

Affirm Holdings, Inc. and SoFi Technologies, Inc. are both Credit Services companies. Affirm Holdings, Inc. is the larger, with a market value of $23.6B against $20.8B — 1.1× the size. Affirm Holdings, Inc. trades at the lower P/E: 11.8× against 27.8×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 37.6% against 32.7%. Affirm Holdings, Inc. has the higher net margin (43.9% vs 12.1%) and the higher return on invested capital (15.0% vs 4.90%). Across the 18 metrics below, Affirm Holdings, Inc. leads on 12 and SoFi Technologies, Inc. on 6.

Valuation

Metric AFRM SOFI Credit Services median
P/E 11.76 27.83 8.96
P/S 5.20 3.41 1.00
P/B 4.15 1.85 1.23
Price to free cash flow 29.23 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 3.59% 7.17%
Free cash flow yield 3.42% (50.36%) 11.75%

Profitability

Metric AFRM SOFI Credit Services median
Gross margin 0.00% 77.36% 76.61%
Operating margin 11.77% 0.00% 0.34%
Net margin 43.86% 12.06% 8.35%
Free cash flow margin 17.80% (166.99%) 8.73%
Return on equity 44.49% 7.35% 9.05%
Return on assets 14.40% 1.30% 1.94%
Return on invested capital 15.03% 4.90% 4.56%

Growth

Metric AFRM SOFI Credit Services median
Revenue growth (TTM) 32.69% 37.62% 4.49%
EPS growth (last fiscal year) 3,586.67% 0.00% 21.94%
Revenue growth, 5-year CAGR 37.39% 44.73% 9.22%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

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

Dividend

Metric AFRM SOFI Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.21

Size

Metric AFRM SOFI Credit Services median
Market cap 23.62b 20.80b 759.73m

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