Affirm Holdings Inc (AFRM)vsMastercard Inc (MA)
AFRM
Affirm Holdings Inc
$45.05
+0.58%
FINANCIAL SERVICES · Cap: $14.92B
MA
Mastercard Inc
$502.76
+0.77%
FINANCIAL SERVICES · Cap: $445.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 782% more annual revenue ($32.79B vs $3.72B). MA leads profitability with a 45.7% profit margin vs 7.6%. AFRM appears more attractively valued with a PEG of 0.20. MA earns a higher WallStSmart Score of 70/100 (B).
AFRM
Buy63
out of 100
Grade: C+
MA
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-49.1%
Fair Value
$37.91
Current Price
$45.05
$7.14 premium
Margin of Safety
+33.1%
Fair Value
$751.54
Current Price
$502.76
$248.78 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 59.3% YoY
Revenue surging 29.6% year-over-year
Mega-cap, among the largest globally
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Earnings expanding 24.2% YoY
Areas to Watch
7.6% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 2.1% — below average capital efficiency
Trading at 58.1x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on PEG Ratio, EPS Growth, Revenue Growth. Revenue growth of 29.6% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.
Bear Case : AFRM
The primary concerns for AFRM are Profit Margin, P/E Ratio, Altman Z-Score. A P/E of 55.3x leaves little room for execution misses.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM carries more volatility with a beta of 3.73 — expect wider price swings.
AFRM is growing revenue faster at 29.6% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MA scores higher overall (70/100 vs 63/100), backed by strong 45.7% margins and 17.6% revenue growth. Both earn "Strong 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 →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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