Affirm Holdings, Inc. (AFRM) vs Synchrony Financial (SYF)
Affirm Holdings, Inc. and Synchrony Financial are both Credit Services companies. Affirm Holdings, Inc. and Synchrony Financial are of similar size ($24.1B and $23.3B). Synchrony Financial trades at the lower P/E: 7.4× against 12.6×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.2% against 0.13%. Affirm Holdings, Inc. has the higher net margin (45.3% vs 14.8%) and the lower return on invested capital (2.16% vs 16.8%). Across the 21 metrics below, Synchrony Financial leads on 13 and Affirm Holdings, Inc. on 8.
Valuation
Profitability
| Metric | AFRM | SYF | Credit Services median |
|---|---|---|---|
| Gross margin | 57.41% | 83.05% | 77.13% |
| Operating margin | 9.79% | 0.00% | 0.34% |
| Net margin | 45.29% | 14.82% | 9.25% |
| Free cash flow margin | 23.30% | 41.83% | 13.03% |
| Return on equity | 45.13% | 22.23% | 8.49% |
| Return on assets | 14.32% | 2.83% | 2.29% |
| Return on invested capital | 2.16% | 16.83% | 4.09% |
Growth
Health
Dividend
Size
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