Affirm Holdings Inc (AFRM)vsSLM Corp (SLM)
AFRM
Affirm Holdings Inc
$73.47
-1.83%
FINANCIAL SERVICES · Cap: $24.52B
SLM
SLM Corp
$17.80
-2.47%
FINANCIAL SERVICES · Cap: $3.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 188% more annual revenue ($4.26B vs $1.48B). AFRM leads profitability with a 45.3% profit margin vs 38.3%. SLM appears more attractively valued with a PEG of 0.58. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
SLM
Buy59
out of 100
Grade: C
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
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Keeps 38 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Revenue declined 55.8%
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.3% and operating margin at -36.4%. PEG of 0.58 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 : SLM
The primary concerns for SLM are Revenue Growth, EPS Growth, Free Cash Flow. Debt-to-equity of 2.85 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM profiles as a growth stock while SLM is a declining play — different risk/reward profiles.
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.
Bottom Line
AFRM scores higher overall (70/100 vs 59/100), backed by strong 45.3% margins and 33.0% 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 →SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
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