Affirm (AFRM) Competitors

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

Which has better earnings & valuation, AFRM or SMFG?

Sumitomo Mitsui Financial Group has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than Sumitomo Mitsui Financial Group, 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	$2.32B	9.83	-$517.76M	-$0.65	-110.45
Sumitomo Mitsui Financial Group	$64.79B	1.57	$6.12B	$1.03	15.07

Do analysts rate AFRM or SMFG?

Affirm currently has a consensus price target of $70.24, indicating a potential downside of 2.17%. Given Affirm's stronger consensus rating and higher probable upside, equities analysts clearly believe Affirm is more favorable than Sumitomo Mitsui Financial Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affirm	0 Sell rating(s)	9 Hold rating(s)	10 Buy rating(s)	1 Strong Buy rating(s)	2.60
Sumitomo Mitsui Financial Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is AFRM or SMFG more profitable?

Sumitomo Mitsui Financial Group has a net margin of 12.61% compared to Affirm's net margin of -7.10%. Sumitomo Mitsui Financial Group's return on equity of 8.52% beat Affirm's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Affirm	-7.10%	-7.25%	-2.02%
Sumitomo Mitsui Financial Group	12.61%	8.52%	0.44%

Does the MarketBeat Community believe in AFRM or SMFG?

Sumitomo Mitsui Financial Group received 150 more outperform votes than Affirm when rated by MarketBeat users. Likewise, 65.78% of users gave Sumitomo Mitsui Financial Group an outperform vote while only 39.04% of users gave Affirm an outperform vote.

Company	Underperform	Outperform
Affirm	Outperform Votes 98 39.04%	Underperform Votes 153 60.96%
Sumitomo Mitsui Financial Group	Outperform Votes 248 65.78%	Underperform Votes 129 34.22%

Does the media prefer AFRM or SMFG?

In the previous week, Sumitomo Mitsui Financial Group had 3 more articles in the media than Affirm. MarketBeat recorded 7 mentions for Sumitomo Mitsui Financial Group and 4 mentions for Affirm. Sumitomo Mitsui Financial Group's average media sentiment score of 1.14 beat Affirm's score of 0.00 indicating that Sumitomo Mitsui Financial Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Affirm	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Sumitomo Mitsui Financial Group	5 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility & risk, AFRM or SMFG?

Affirm has a beta of 3.66, meaning that its stock price is 266% more volatile than the S&P 500. Comparatively, Sumitomo Mitsui Financial Group has a beta of 0.63, meaning that its stock price is 37% less volatile than the S&P 500.

Do insiders and institutionals have more ownership in AFRM or SMFG?

69.3% of Affirm shares are owned by institutional investors. Comparatively, 3.9% of Sumitomo Mitsui Financial Group shares are owned by institutional investors. 12.4% of Affirm shares are owned by insiders. Comparatively, 0.1% of Sumitomo Mitsui Financial Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Sumitomo Mitsui Financial Group beats Affirm on 11 of the 19 factors compared between the two stocks.