Affirm (AFRM) Competitors

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

Which has more volatility & risk, AFRM or BNS?

Affirm has a beta of 3.67, indicating that its share price is 267% more volatile than the S&P 500. Comparatively, Bank of Nova Scotia has a beta of 1.08, indicating that its share price is 8% more volatile than the S&P 500.

Do analysts rate AFRM or BNS?

Affirm currently has a consensus target price of $61.88, suggesting a potential upside of 6.70%. Bank of Nova Scotia has a consensus target price of $72.00, suggesting a potential upside of 41.58%. Given Bank of Nova Scotia's stronger consensus rating and higher probable upside, analysts clearly believe Bank of Nova Scotia is more favorable than Affirm.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affirm	1 Sell rating(s)	6 Hold rating(s)	11 Buy rating(s)	1 Strong Buy rating(s)	2.63
Bank of Nova Scotia	0 Sell rating(s)	3 Hold rating(s)	5 Buy rating(s)	1 Strong Buy rating(s)	2.78

Is AFRM or BNS more profitable?

Bank of Nova Scotia has a net margin of 10.20% compared to Affirm's net margin of -17.67%. Bank of Nova Scotia's return on equity of 11.56% beat Affirm's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Affirm	-17.67%	-12.57%	-3.59%
Bank of Nova Scotia	10.20%	11.56%	0.61%

Does the MarketBeat Community favor AFRM or BNS?

Bank of Nova Scotia received 661 more outperform votes than Affirm when rated by MarketBeat users. Likewise, 63.50% of users gave Bank of Nova Scotia an outperform vote while only 39.17% of users gave Affirm an outperform vote.

Company	Underperform	Outperform
Affirm	Outperform Votes 94 39.17%	Underperform Votes 146 60.83%
Bank of Nova Scotia	Outperform Votes 755 63.50%	Underperform Votes 434 36.50%

Which has better earnings & valuation, AFRM or BNS?

Bank of Nova Scotia has higher revenue and earnings than Affirm. Affirm is trading at a lower price-to-earnings ratio than Bank of Nova Scotia, 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	7.84	-$517.76M	-$1.42	-40.84
Bank of Nova Scotia	$55.90B	1.13	$5.70B	$4.32	11.77

Do insiders & institutionals believe in AFRM or BNS?

69.3% of Affirm shares are held by institutional investors. Comparatively, 49.1% of Bank of Nova Scotia shares are held by institutional investors. 12.4% of Affirm shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Does the media prefer AFRM or BNS?

In the previous week, Affirm had 5 more articles in the media than Bank of Nova Scotia. MarketBeat recorded 10 mentions for Affirm and 5 mentions for Bank of Nova Scotia. Bank of Nova Scotia's average media sentiment score of 1.16 beat Affirm's score of 0.52 indicating that Bank of Nova Scotia is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Affirm	1 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Bank of Nova Scotia	5 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Bank of Nova Scotia beats Affirm on 12 of the 18 factors compared between the two stocks.