Affirm Holdings Inc (AFRM)vsOportun Financial Corp (OPRT)
AFRM
Affirm Holdings Inc
$73.25
+4.48%
FINANCIAL SERVICES · Cap: $25.48B
OPRT
Oportun Financial Corp
$5.70
-0.70%
FINANCIAL SERVICES · Cap: $263.75M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 446% more annual revenue ($3.97B vs $727.47M). AFRM leads profitability with a 9.6% profit margin vs 2.5%. OPRT trades at a lower P/E of 15.5x. AFRM earns a higher WallStSmart Score of 63/100 (C+).
AFRM
Buy63
out of 100
Grade: C+
OPRT
Hold41
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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
1.3% revenue growth
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.5% margin — thin
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 : OPRT
The strongest argument for OPRT centers on Price/Book, P/E Ratio.
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 : OPRT
The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
AFRM profiles as a hypergrowth stock while OPRT is a value 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 41/100) 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 →Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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