AFRM PEER ANALYSIS

Affirm Holdings Inc — metric-by-metric comparison with peers and the industry median

AFRMAffirm Holdings Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

AFRMIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	AFRM	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
P/E	76.99	—	113.12	38.55●	157.13	16.27
P/B	7.78	93.93	24.04	6.34●	12.49	2.03
EV/EBITDA	31.69●	—	—	34.52	—	15.83
P/S	—	—	—	—	—	—

Financial Health
Metric	AFRM	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
Current Ratio	717.01	—	—	788.09●	—	1.20
Debt/Equity	235.6%	0.0%●	0.0%●	383.4%	0.0%●	116.1%
NetDebt/EBITDA	5.32●	—	—	11.13	—	2.39

Profitability
Metric	AFRM	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
Net Margin	9.6%●	—	—	8.9%	—	10.0%
ROE	11.5%	10.6%	32.2%●	15.9%	8.9%	13.4%
ROA	3.2%●	—	—	2.9%	—	2.9%
EBITDA Margin	—	—	—	—	—	—

Growth + Dividend
Metric	AFRM	DSTKF	KTLEV	ZIP	QNBFK	Ind. Median
Rev. Growth	—	—	—	—	—	—
NI Growth	—	—	—	—	—	19.9%
Div. Yield	—	—	—	—	—	1.2%
Payout	—	—	—	—	—	16.3%

Valuation
Metric	AFRM	SYF	SOFI	PYPL	ALLY	FCFS	Ind. Median
P/E	76.99	7.46●	43.57	8.27	10.80	27.71	16.27
P/B	7.78	1.60	2.32	2.09	0.91●	4.27	2.03
EV/EBITDA	31.69	4.38	23.09	5.61	2.14●	11.84	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	AFRM	SYF	SOFI	PYPL	ALLY	FCFS	Ind. Median
Current Ratio	717.01●	1.33	0.17	1.26	0.20	4.77	1.20
Debt/Equity	235.6%	99.7%	17.7%●	47.0%	138.4%	113.6%	116.1%
NetDebt/EBITDA	5.32	-0.81	-5.08●	0.01	-2.37	2.39	2.39

Profitability
Metric	AFRM	SYF	SOFI	PYPL	ALLY	FCFS	Ind. Median
Net Margin	9.6%	18.1%●	11.2%	15.0%	8.9%	9.1%	10.0%
ROE	11.5%	21.8%	6.6%	25.1%●	9.4%	16.3%	13.4%
ROA	3.2%	3.0%	1.3%	6.3%	0.7%	7.2%●	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	AFRM	SYF	SOFI	PYPL	ALLY	FCFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	21.5%	19.8%	11.3%	161.4%●	26.1%	19.9%
Div. Yield	—	1.6%	0.0%	1.0%	2.6%●	0.8%	1.2%
Payout	—	14.4%	0.0%	5.1%	35.2%	20.4%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.