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Affirm Holdings, Inc. (AFRM) vs Visa Inc. (V)

Affirm Holdings, Inc. and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $746.4B against $25.6B — 29.1× the size. Affirm Holdings, Inc. trades at the lower P/E: 13.0× against 33.0×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.2% against 14.4%. Visa Inc. has the higher net margin (50.8% vs 45.3%) and the higher return on invested capital (38.0% vs 2.16%). Across the 20 metrics below, Affirm Holdings, Inc. leads on 10 and Visa Inc. on 10.

Valuation

Metric AFRM V Credit Services median
P/E 12.96 32.97 9.39
P/S 5.82 16.12 0.86
P/B 4.52 20.69 1.16
Price to free cash flow 24.99 34.12 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.72% 3.03% 6.55%
Free cash flow yield 4.00% 2.93% 12.26%

Profitability

Metric AFRM V Credit Services median
Gross margin 57.41% 100.00% 77.13%
Operating margin 9.79% 60.68% 0.34%
Net margin 45.29% 50.78% 9.25%
Free cash flow margin 23.30% 47.23% 12.91%
Return on equity 45.13% 62.36% 8.49%
Return on assets 14.32% 23.22% 2.16%
Return on invested capital 2.16% 38.04% 4.09%

Growth

Metric AFRM V Credit Services median
Revenue growth (TTM) 32.15% 14.39% 4.62%
EPS growth (last fiscal year) 3,586.67% 4.83% 21.94%
Revenue growth, 5-year CAGR 37.39% 12.86% 9.13%
Net income growth, 5-year CAGR 0.00% 13.04% 0.00%

Health

Metric AFRM V Credit Services median
Debt to equity 1.82 0.68 0.68
Current ratio 11.80 0.99 1.55
Net debt to EBITDA 15.44 0.13 0.13

Dividend

Metric AFRM V Credit Services median
Dividend yield — 0.67% 1.64%
Payout ratio — 0.23 0.22

Size

Metric AFRM V Credit Services median
Market cap 25.62b 746.35b 751.08m

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