Affirm Holdings Inc (AFRM)vsNavient Corp (NAVI)
AFRM
Affirm Holdings Inc
$73.25
+4.48%
FINANCIAL SERVICES · Cap: $25.48B
NAVI
Navient Corp
$8.45
-2.99%
FINANCIAL SERVICES · Cap: $812.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 1107% more annual revenue ($3.97B vs $329.00M). AFRM leads profitability with a 9.6% profit margin vs -18.5%. NAVI appears more attractively valued with a PEG of 0.14. AFRM earns a higher WallStSmart Score of 63/100 (C+).
AFRM
Buy63
out of 100
Grade: C+
NAVI
Hold49
out of 100
Grade: D+
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
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 25.6%
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of -2.5% — below average capital efficiency
Revenue declined 0.8%
Earnings declined 59.4%
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 : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 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 69.2x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : NAVI
The primary concerns for NAVI are Market Cap, Return on Equity, Revenue Growth. Debt-to-equity of 18.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while NAVI is a turnaround play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.67 — 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 49/100) and 32.6% revenue growth. Both earn "Buy" and "Hold" 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 →Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?