Affirm (AFRM) Competitors

Affirm (NASDAQ:AFRM) and Banco Santander (NYSE:SAN) are both large-cap business services companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, community ranking, analyst recommendations, media sentiment, profitability, earnings, dividends and risk.

Which has more risk & volatility, AFRM or SAN?

Affirm has a beta of 3.66, indicating that its stock price is 266% more volatile than the S&P 500. Comparatively, Banco Santander has a beta of 1.12, indicating that its stock price is 12% more volatile than the S&P 500.

Do institutionals & insiders hold more shares of AFRM or SAN?

69.3% of Affirm shares are owned by institutional investors. Comparatively, 9.2% of Banco Santander shares are owned by institutional investors. 12.4% of Affirm shares are owned by insiders. Comparatively, 9.5% of Banco Santander shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Does the MarketBeat Community favor AFRM or SAN?

Banco Santander received 484 more outperform votes than Affirm when rated by MarketBeat users. Likewise, 49.91% of users gave Banco Santander an outperform vote while only 38.40% of users gave Affirm an outperform vote.

Company	Underperform	Outperform
Affirm	Outperform Votes 91 38.40%	Underperform Votes 146 61.60%
Banco Santander	Outperform Votes 575 49.91%	Underperform Votes 577 50.09%

Which has higher valuation and earnings, AFRM or SAN?

Banco Santander has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than Banco Santander, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Affirm	$2.52B	8.16	-$517.76M	-$1.42	-46.23
Banco Santander	$62.61B	1.14	$11.99B	$0.80	5.64

Does the media favor AFRM or SAN?

In the previous week, Affirm had 1 more articles in the media than Banco Santander. MarketBeat recorded 14 mentions for Affirm and 13 mentions for Banco Santander. Affirm's average media sentiment score of 0.54 beat Banco Santander's score of 0.33 indicating that Affirm is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Affirm	2 Very Positive mention(s)	3 Positive mention(s)	4 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Banco Santander	4 Very Positive mention(s)	5 Positive mention(s)	2 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts prefer AFRM or SAN?

Affirm presently has a consensus target price of $60.94, indicating a potential downside of 7.16%. Given Affirm's higher probable upside, research analysts clearly believe Affirm is more favorable than Banco Santander.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affirm	1 Sell rating(s)	6 Hold rating(s)	10 Buy rating(s)	0 Strong Buy rating(s)	2.53
Banco Santander	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.33

Is AFRM or SAN more profitable?

Banco Santander has a net margin of 15.76% compared to Affirm's net margin of -17.67%. Banco Santander's return on equity of 11.70% beat Affirm's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Affirm	-17.67%	-12.57%	-3.59%
Banco Santander	15.76%	11.70%	0.68%

Summary

Banco Santander beats Affirm on 11 of the 19 factors compared between the two stocks.