Affirm (AFRM) Competitors $88.12 -2.00 (-2.21%) As of 11:00 AM 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, WMT, IBN, 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), Walmart (WMT), ICICI Bank (IBN), and Banco Bilbao Viscaya Argentaria (BBVA). Affirm vs. Its Competitors Apple Amazon.com Marqeta Peloton Interactive PayPal SoFi Technologies Upstart Walmart ICICI Bank Banco Bilbao Viscaya Argentaria Affirm (NASDAQ:AFRM) and Apple (NASDAQ:AAPL) are both large-cap computer and technology companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, media sentiment, valuation, institutional ownership, profitability and analyst recommendations. Is AFRM or AAPL more profitable? Apple has a net margin of 24.30% compared to Affirm's net margin of 1.62%. Apple's return on equity of 170.91% beat Affirm's return on equity.Company Net Margins Return on Equity Return on Assets Affirm1.62% 1.80% 0.49% Apple 24.30%170.91%31.94% Which has more risk and volatility, AFRM or AAPL? Affirm has a beta of 3.64, suggesting that its share price is 264% more volatile than the S&P 500. Comparatively, Apple has a beta of 1.11, suggesting that its share price is 11% more volatile than the S&P 500. Do insiders and institutionals have more ownership in AFRM or AAPL? 69.3% of Affirm shares are owned by institutional investors. Comparatively, 67.7% of Apple shares are owned by institutional investors. 11.8% of Affirm shares are owned by insiders. Comparatively, 0.1% of Apple shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term. Which has higher earnings and valuation, AFRM or AAPL? Apple has higher revenue and earnings than Affirm. Apple is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioAffirm$3.24B8.85$52.19M$0.13677.88Apple$391.04B9.69$93.74B$6.5938.74 Does the media prefer AFRM or AAPL? In the previous week, Apple had 259 more articles in the media than Affirm. MarketBeat recorded 260 mentions for Apple and 1 mentions for Affirm. Apple's average media sentiment score of 1.01 beat Affirm's score of 0.40 indicating that Apple is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Affirm 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Apple 171 Very Positive mention(s) 30 Positive mention(s) 42 Neutral mention(s) 10 Negative mention(s) 4 Very Negative mention(s) Positive Do analysts recommend AFRM or AAPL? Affirm currently has a consensus target price of $80.04, suggesting a potential downside of 9.17%. Apple has a consensus target price of $244.03, suggesting a potential downside of 4.41%. Given Apple's higher probable upside, analysts clearly believe Apple is more favorable than Affirm.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Affirm 0 Sell rating(s) 11 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.67Apple 1 Sell rating(s) 14 Hold rating(s) 15 Buy rating(s) 2 Strong Buy rating(s) 2.56 SummaryApple beats Affirm on 11 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. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. 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$28.77B$20.28B$32.57B$10.50BDividend YieldN/A3.48%3.15%4.58%P/E Ratio679.5878.93451.1927.02Price / Sales8.8585.481,943.79127.73Price / Cash388.1388.3135.7331.15Price / Book9.349.227.376.53Net Income$52.19M$355.94M$810.65M$271.67M7 Day Performance-2.04%3.99%4.39%3.88%1 Month Performance10.86%8.43%8.21%8.75%1 Year Performance97.28%89.72%24,212.81%26.99% Affirm Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)AFRMAffirm1.9539 of 5 stars$88.12-2.2%$80.04-9.2%+100.6%$28.77B$3.24B679.582,206AAPLApple4.7343 of 5 stars$236.57+1.1%$240.80+1.8%+12.2%$3.50T$408.63B35.78164,000Trending NewsAnalyst ForecastAMZNAmazon.com4.876 of 5 stars$231.36+1.4%$262.87+13.6%+18.8%$2.46T$637.96B35.231,556,000Trending NewsMQMarqeta2.1146 of 5 stars$5.81-0.4%$6.11+5.3%+11.3%$2.60B$506.99M-44.66960PTONPeloton Interactive3.4934 of 5 stars$8.19+8.0%$9.29+13.5%+70.0%$3.34B$2.49B-26.462,145Positive NewsInsider TradePYPLPayPal4.8 of 5 stars$67.11+0.3%$85.00+26.7%-11.8%$64.12B$31.80B14.3424,400Trending NewsSOFISoFi Technologies2.7173 of 5 stars$27.67+4.2%$19.59-29.2%+270.3%$33.04B$2.67B57.495,000UPSTUpstart4.4213 of 5 stars$66.93+6.1%$78.54+17.3%+63.3%$6.44B$636.53M-836.751,193Options VolumeWMTWalmart4.6605 of 5 stars$103.64+0.1%$110.76+6.9%+30.0%$825.36B$680.99B38.922,100,000Trending NewsInsider TradeIBNICICI Bank1.2589 of 5 stars$32.00-0.2%N/A+1.4%$114.25B$22.68B19.75182,665Stock SplitBBVABanco Bilbao Viscaya Argentaria3.0589 of 5 stars$19.19+0.6%N/A+73.3%$112.00B$38.40B10.10125,916Positive News Related Companies and Tools Related Companies Apple Alternatives Amazon.com Alternatives Marqeta Alternatives Peloton Interactive Alternatives PayPal Alternatives SoFi Technologies Alternatives Upstart Alternatives Walmart Alternatives ICICI Bank 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 9/23/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredTrump’s Plan May Undo 1933’s Biggest Financial InjusticeTrump's Reset Can Give Birth To America's Greatest Era Yet A 90-Year cycle may end soon, creating real weal...American Hartford Gold | SponsoredHe Called Nvidia at $1.10. 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