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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 $809.5B against $23.6B — 34.3× the size. Affirm Holdings, Inc. trades at the lower P/E: 11.8× against 32.7×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.7% against 14.8%. Visa Inc. has the higher net margin (51.2% vs 43.9%) and the higher return on invested capital (40.4% vs 15.0%). Across the 20 metrics below, Affirm Holdings, Inc. leads on 11 and Visa Inc. on 9.

Valuation

Metric AFRM V Credit Services median
P/E 11.76 32.72 8.96
P/S 5.20 16.55 1.00
P/B 4.15 21.33 1.23
Price to free cash flow 29.23 34.44 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 3.06% 7.17%
Free cash flow yield 3.42% 2.90% 11.75%

Profitability

Metric AFRM V Credit Services median
Gross margin 0.00% 100.00% 76.61%
Operating margin 11.77% 61.24% 0.34%
Net margin 43.86% 51.20% 8.35%
Free cash flow margin 17.80% 48.05% 8.73%
Return on equity 44.49% 64.60% 9.05%
Return on assets 14.40% 24.23% 1.94%
Return on invested capital 15.03% 40.41% 4.56%

Growth

Metric AFRM V Credit Services median
Revenue growth (TTM) 32.69% 14.76% 4.49%
EPS growth (last fiscal year) 3,586.67% 14.07% 21.94%
Revenue growth, 5-year CAGR 37.39% 13.75% 9.22%
Net income growth, 5-year CAGR 0.00% 13.81% 0.00%

Health

Metric AFRM V Credit Services median
Debt to equity 0.00 0.61 0.69
Current ratio 11.80 0.97 1.26
Net debt to EBITDA 15.44 0.25 0.11

Dividend

Metric AFRM V Credit Services median
Dividend yield — 0.63% 1.64%
Payout ratio — 0.22 0.21

Size

Metric AFRM V Credit Services median
Market cap 23.62b 809.54b 759.73m

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