Affirm Holdings Inc (AFRM)vsCapital One Financial Corporation (COF)
AFRM
Affirm Holdings Inc
$64.01
-4.97%
FINANCIAL SERVICES · Cap: $21.85B
COF
Capital One Financial Corporation
$189.48
-1.61%
FINANCIAL SERVICES · Cap: $122.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 877% more annual revenue ($36.31B vs $3.72B). COF leads profitability with a 8.9% profit margin vs 7.6%. COF appears more attractively valued with a PEG of 0.20. COF earns a higher WallStSmart Score of 65/100 (C+).
AFRM
Buy61
out of 100
Grade: C+
COF
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 59.3% YoY
Growing faster than its price suggests
Revenue surging 29.6% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
Areas to Watch
7.6% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
ROE of 3.3% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 4.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on EPS Growth, PEG Ratio, Revenue Growth. Revenue growth of 29.6% demonstrates continued momentum. PEG of 0.81 suggests the stock is reasonably priced for its growth.
Bull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bear Case : AFRM
The primary concerns for AFRM are Profit Margin, P/E Ratio, Altman Z-Score. A P/E of 81.0x leaves little room for execution misses.
Bear Case : COF
The primary concerns for COF are Return on Equity, P/E Ratio, EPS Growth. A P/E of 59.3x leaves little room for execution misses.
Key Dynamics to Monitor
AFRM profiles as a growth stock while COF is a hypergrowth play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.72 — expect wider price swings.
COF is growing revenue faster at 46.3% — sustainability is the question.
COF generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
COF scores higher overall (65/100 vs 61/100) and 46.3% revenue growth. Both earn "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 →Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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