Affirm Holdings, Inc. (AFRM) vs SoFi Technologies, Inc. (SOFI)
- Affirm Holdings, Inc. AFRM 74.01 −2.52%
- SoFi Technologies, Inc. SOFI 14.55 −3.58%
Affirm Holdings, Inc. and SoFi Technologies, Inc. are both Credit Services companies. Affirm Holdings, Inc. is the larger, with a market value of $25.6B against $19.5B — 1.3× the size. Affirm Holdings, Inc. trades at the lower P/E: 13.0× against 28.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 32.2%. Affirm Holdings, Inc. has the higher net margin (45.3% vs 11.4%) and the lower return on invested capital (2.16% vs 4.26%). Across the 18 metrics below, Affirm Holdings, Inc. leads on 10 and SoFi Technologies, Inc. on 8.
Valuation
Profitability
| Metric | AFRM | SOFI | Credit Services median |
|---|---|---|---|
| Gross margin | 57.41% | 77.13% | 77.13% |
| Operating margin | 9.79% | 0.00% | 0.34% |
| Net margin | 45.29% | 11.39% | 9.25% |
| Free cash flow margin | 23.30% | (157.63%) | 12.91% |
| Return on equity | 45.13% | 7.09% | 8.49% |
| Return on assets | 14.32% | 1.25% | 2.16% |
| Return on invested capital | 2.16% | 4.26% | 4.09% |
Growth
Health
Dividend
Size
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