Affirm Holdings Inc (AFRM)vsMedallion Financial Corp (MFIN)
AFRM
Affirm Holdings Inc
$78.35
+0.04%
FINANCIAL SERVICES · Cap: $26.23B
MFIN
Medallion Financial Corp
$11.48
+0.44%
FINANCIAL SERVICES · Cap: $250.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 1035% more annual revenue ($3.97B vs $349.97M). AFRM leads profitability with a 9.6% profit margin vs 9.3%. AFRM appears more attractively valued with a PEG of 0.76. AFRM earns a higher WallStSmart Score of 63/100 (C+).
AFRM
Buy63
out of 100
Grade: C+
MFIN
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 32.6% year-over-year
Earnings expanding 3529.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Growing faster than its price suggests
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
2.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 32.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 32.6% demonstrates continued momentum. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
Bear Case : AFRM
The primary concerns for AFRM are P/E Ratio, Altman Z-Score, Debt/Equity. A P/E of 66.9x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : MFIN
The primary concerns for MFIN are Revenue Growth, Altman Z-Score, Market Cap.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while MFIN is a value play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.62 — expect wider price swings.
AFRM is growing revenue faster at 32.6% — sustainability is the question.
AFRM generates stronger free cash flow (325M), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (63/100 vs 61/100) and 32.6% 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 →Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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