Affirm Holdings Inc (AFRM)vsBread Financial Holdings, Inc. (BFH)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
BFH
Bread Financial Holdings, Inc.
$104.73
+2.07%
FINANCIAL SERVICES · Cap: $3.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 60% more annual revenue ($4.26B vs $2.67B). AFRM leads profitability with a 45.3% profit margin vs 21.4%. BFH appears more attractively valued with a PEG of 2.16. BFH earns a higher WallStSmart Score of 72/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
BFH
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 21 of every $100 in revenue as profit
Strong operational efficiency at 29.0%
Earnings expanding 21.2% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
3.8% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.
Bull Case : BFH
The strongest argument for BFH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 21.4% and operating margin at 29.0%.
Bear Case : AFRM
The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Bear Case : BFH
The primary concerns for BFH are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
AFRM profiles as a growth stock while BFH is a value play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.82 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
BFH generates stronger free cash flow (529M), providing more financial flexibility.
Bottom Line
BFH scores higher overall (72/100 vs 70/100), backed by strong 21.4% margins. Both earn "Strong Buy" and "Strong 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 →Bread Financial Holdings, Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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