Affirm (AFRM) Competitors $69.34 +2.13 (+3.17%) As of 03:54 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock AFRM vs. AAPL, AMZN, MQ, PTON, PYPL, SOFI, UPST, SHOP, WMT, and BBVAShould you be buying Affirm stock or one of its competitors? The main competitors of Affirm include Apple (AAPL), Amazon.com (AMZN), Marqeta (MQ), Peloton Interactive (PTON), PayPal (PYPL), SoFi Technologies (SOFI), Upstart (UPST), Shopify (SHOP), Walmart (WMT), and Banco Bilbao Viscaya Argentaria (BBVA). Affirm vs. Its Competitors Apple Amazon.com Marqeta Peloton Interactive PayPal SoFi Technologies Upstart Shopify Walmart Banco Bilbao Viscaya Argentaria Apple (NASDAQ:AAPL) and Affirm (NASDAQ:AFRM) are both large-cap computer and technology companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, risk, profitability, earnings, media sentiment, dividends, analyst recommendations and valuation. Is AAPL or AFRM more profitable? Apple has a net margin of 24.30% compared to Affirm's net margin of -2.07%. Apple's return on equity of 167.24% beat Affirm's return on equity.Company Net Margins Return on Equity Return on Assets Apple24.30% 167.24% 31.35% Affirm -2.07%-2.22%-0.61% Which has better earnings & valuation, AAPL or AFRM? Apple has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than Apple, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioApple$400.37B7.86$93.74B$6.4232.80Affirm$3.01B7.44-$517.76M-$0.21-330.43 Which has more volatility & risk, AAPL or AFRM? Apple has a beta of 1.2, suggesting that its share price is 20% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.63, suggesting that its share price is 263% more volatile than the S&P 500. Does the media prefer AAPL or AFRM? In the previous week, Apple had 245 more articles in the media than Affirm. MarketBeat recorded 259 mentions for Apple and 14 mentions for Affirm. Apple's average media sentiment score of 0.84 beat Affirm's score of -0.03 indicating that Apple is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Apple 160 Very Positive mention(s) 18 Positive mention(s) 60 Neutral mention(s) 15 Negative mention(s) 4 Very Negative mention(s) Positive Affirm 0 Very Positive mention(s) 0 Positive mention(s) 4 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Do institutionals & insiders believe in AAPL or AFRM? 67.7% of Apple shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 0.1% of Apple shares are owned by company insiders. Comparatively, 11.8% of Affirm shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth. Do analysts recommend AAPL or AFRM? Apple currently has a consensus target price of $235.11, indicating a potential upside of 11.64%. Affirm has a consensus target price of $66.71, indicating a potential downside of 3.86%. Given Apple's higher possible upside, analysts clearly believe Apple is more favorable than Affirm.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Apple 2 Sell rating(s) 11 Hold rating(s) 16 Buy rating(s) 2 Strong Buy rating(s) 2.58Affirm 0 Sell rating(s) 8 Hold rating(s) 17 Buy rating(s) 1 Strong Buy rating(s) 2.73 SummaryApple beats Affirm on 12 of the 17 factors compared between the two stocks. Get Affirm News Delivered to You Automatically Sign up to receive the latest news and ratings for AFRM and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding AFRM and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart AFRM vs. The Competition Export to ExcelMetricAffirmINTERNET SOFTWARE IndustryComputer SectorNASDAQ ExchangeMarket Cap$22.41B$18.35B$28.59B$9.40BDividend YieldN/A2.80%3.12%4.09%P/E Ratio-330.8174.7133.4219.86Price / Sales7.44357.911,732.1998.68Price / CashN/A91.6237.5857.53Price / Book7.908.757.675.71Net Income-$517.76M$337.83M$779.03M$257.80M7 Day Performance1.24%1.34%1.07%1.12%1 Month Performance15.84%8.40%7.42%11.30%1 Year Performance115.03%54.17%52,958.63%16.88% Affirm Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)AFRMAffirm2.2448 of 5 stars$69.39+3.2%$66.71-3.9%+100.9%$22.41B$3.01B-330.812,006Analyst DowngradeAnalyst RevisionAAPLApple4.7994 of 5 stars$209.44-1.9%$234.95+12.2%-10.5%$3.13T$391.04B32.62164,000Trending NewsAMZNAmazon.com4.7702 of 5 stars$223.320.0%$245.60+10.0%+15.6%$2.37T$650.31B36.371,556,000Trending NewsAnalyst ForecastInsider TradeMQMarqeta1.862 of 5 stars$5.90-0.9%$5.18-12.1%+5.9%$2.76B$506.99M58.95960Analyst ForecastPTONPeloton Interactive4.0296 of 5 stars$6.41-3.5%$8.30+29.6%+62.2%$2.50B$2.70B-14.562,918Insider TradePYPLPayPal4.7769 of 5 stars$76.03-0.7%$83.42+9.7%+18.1%$73.94B$31.80B17.0124,400Trending NewsAnalyst UpgradeAnalyst RevisionSOFISoFi Technologies1.8858 of 5 stars$19.12+3.0%$14.73-22.9%+176.0%$21.13B$2.67B46.635,000Trending NewsAnalyst DowngradeUPSTUpstart3.857 of 5 stars$76.20+3.2%$67.42-11.5%+140.8%$7.25B$714.41M-101.601,193News CoverageAnalyst UpgradeSHOPShopify4.1383 of 5 stars$115.77-0.6%$115.66-0.1%+72.1%$150.20B$9.38B74.6911,600Trending NewsAnalyst ForecastAnalyst RevisionWMTWalmart4.878 of 5 stars$99.03+0.7%$106.67+7.7%+35.9%$790.32B$680.99B42.322,100,000Trending NewsBBVABanco Bilbao Viscaya Argentaria2.0103 of 5 stars$15.36-1.8%N/A+40.8%$89.64B$38.40B8.12125,916News CoverageHigh Trading Volume Related Companies and Tools Related Companies Apple Alternatives Amazon.com Alternatives Marqeta Alternatives Peloton Interactive Alternatives PayPal Alternatives SoFi Technologies Alternatives Upstart Alternatives Shopify Alternatives Walmart Alternatives Banco Bilbao Viscaya Argentaria Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:AFRM) was last updated on 7/17/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredThis Signal Only Flashes Once Every 4 Years – And It Just TriggeredThis same signal has appeared twice before in the past 8 years — both times, it kicked off major moves in cryp...Crypto Swap Profits | SponsoredI was wrong about TrumpI made a mistake. 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