Affirm Holdings Inc (AFRM)vsFirstCash Inc (FCFS)
AFRM
Affirm Holdings Inc
$73.32
+0.88%
FINANCIAL SERVICES · Cap: $24.52B
FCFS
FirstCash Inc
$190.02
+2.52%
FINANCIAL SERVICES · Cap: $9.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 3% more annual revenue ($4.26B vs $4.12B). AFRM leads profitability with a 45.3% profit margin vs 9.4%. FCFS appears more attractively valued with a PEG of 1.17. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
FCFS
Strong Buy68
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
Earnings expanding 58.2% YoY
Revenue surging 29.4% year-over-year
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
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 : FCFS
The strongest argument for FCFS centers on EPS Growth, Revenue Growth. Revenue growth of 29.4% demonstrates continued momentum. PEG of 1.17 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 : FCFS
The primary concerns for FCFS are Debt/Equity.
Key Dynamics to Monitor
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.
AFRM generates stronger free cash flow (229M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AFRM scores higher overall (70/100 vs 68/100), backed by strong 45.3% margins and 33.0% revenue growth. 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 →FirstCash Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
FirstCash, Inc., operates retail pawn shops in the United States and Latin America. The company is headquartered in Fort Worth, Texas.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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