Affirm Holdings Inc (AFRM)vsCredit Acceptance Corporation (CACC)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
CACC
Credit Acceptance Corporation
$575.78
+5.67%
FINANCIAL SERVICES · Cap: $5.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 227% more annual revenue ($4.26B vs $1.30B). AFRM leads profitability with a 45.3% profit margin vs 38.5%. CACC appears more attractively valued with a PEG of 1.15. CACC earns a higher WallStSmart Score of 75/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
CACC
Strong Buy75
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
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 52.6%
Earnings expanding 70.6% YoY
Every $100 of equity generates 30 in profit
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
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 : CACC
The strongest argument for CACC centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 38.5% and operating margin at 52.6%. PEG of 1.15 suggests the stock is reasonably priced for its growth.
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 : CACC
The primary concerns for CACC are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.96 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM profiles as a growth stock while CACC is a mature 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.
CACC generates stronger free cash flow (308M), providing more financial flexibility.
Bottom Line
CACC scores higher overall (75/100 vs 70/100), backed by strong 38.5% 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 →Credit Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Credit Acceptance Corporation offers financing programs and related products and services to independent and franchised automobile dealerships in the United States. The company is headquartered in Southfield, Michigan.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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