Affirm Holdings Inc (AFRM)vsFederal Agricultural Mortgage Corporation (AGM-A)
AFRM
Affirm Holdings Inc
$73.25
+4.48%
FINANCIAL SERVICES · Cap: $25.48B
AGM-A
Federal Agricultural Mortgage Corporation
$154.27
+0.83%
FINANCIAL SERVICES · Cap: $1.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 931% more annual revenue ($3.97B vs $385.31M). AGM-A leads profitability with a 56.3% profit margin vs 9.6%. AGM-A appears more attractively valued with a PEG of 0.67. AGM-A earns a higher WallStSmart Score of 70/100 (B).
AFRM
Buy63
out of 100
Grade: C+
AGM-A
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 32.6% year-over-year
Earnings expanding 3529.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 56 of every $100 in revenue as profit
Strong operational efficiency at 68.6%
Growing faster than its price suggests
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 32.6% demonstrates continued momentum. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bull Case : AGM-A
The strongest argument for AGM-A centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 56.3% and operating margin at 68.6%. Revenue growth of 14.2% demonstrates continued momentum.
Bear Case : AFRM
The primary concerns for AFRM are P/E Ratio, Altman Z-Score, Debt/Equity. A P/E of 69.2x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : AGM-A
The primary concerns for AGM-A are Market Cap, Piotroski F-Score, Debt/Equity. Debt-to-equity of 20.10 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while AGM-A is a mature play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.67 — expect wider price swings.
AFRM is growing revenue faster at 32.6% — sustainability is the question.
AFRM generates stronger free cash flow (325M), providing more financial flexibility.
Bottom Line
AGM-A scores higher overall (70/100 vs 63/100), backed by strong 56.3% margins and 14.2% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →Federal Agricultural Mortgage Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Federal Agricultural Mortgage Corporation offers a secondary market for various loans made to borrowers in the United States. The company is headquartered in Washington, District of Columbia.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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