Affirm Holdings Inc (AFRM)vsBerkshire Hathaway Inc (BRK-A)
AFRM
Affirm Holdings Inc
$71.77
+1.01%
FINANCIAL SERVICES · Cap: $24.03B
BRK-A
Berkshire Hathaway Inc
$755,649.06
+0.46%
FINANCIAL SERVICES · Cap: $1.09T
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 8928% more annual revenue ($384.69B vs $4.26B). AFRM leads profitability with a 45.3% profit margin vs 22.3%. AFRM appears more attractively valued with a PEG of 8.64. BRK-A earns a higher WallStSmart Score of 74/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
BRK-A
Strong Buy74
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
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 32.6%
Earnings expanding 107.8% YoY
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : BRK-A
The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.
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 : BRK-A
The primary concerns for BRK-A are PEG Ratio.
Key Dynamics to Monitor
AFRM profiles as a growth stock while BRK-A is a mature play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.61 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.
Bottom Line
BRK-A scores higher overall (74/100 vs 70/100), backed by strong 22.3% 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 →Berkshire Hathaway Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).
Visit Website →Compare with Other CREDIT SERVICES Stocks
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