Affirm (AFRM) Competitors $72.33 -6.63 (-8.40%) Closing price 08/8/2025 04:00 PM EasternExtended Trading$72.53 +0.20 (+0.28%) As of 08/8/2025 07:59 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours 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 IBITShould 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 iShares Bitcoin Trust ETF (IBIT). Affirm vs. Its Competitors Apple Amazon.com Marqeta Peloton Interactive PayPal SoFi Technologies Upstart Shopify Walmart iShares Bitcoin Trust ETF 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 companies based on the strength of their institutional ownership, valuation, media sentiment, risk, analyst recommendations, earnings, dividends and profitability. Is AFRM or AAPL 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 170.91% beat Affirm's return on equity.Company Net Margins Return on Equity Return on Assets Affirm-2.07% -2.22% -0.61% Apple 24.30%170.91%31.94% Do analysts prefer AFRM or AAPL? Affirm presently has a consensus price target of $68.09, indicating a potential downside of 5.87%. Apple has a consensus price target of $237.60, indicating a potential upside of 3.60%. Given Apple's higher probable upside, analysts plainly believe Apple is more favorable than Affirm.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Affirm 0 Sell rating(s) 10 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.69Apple 2 Sell rating(s) 11 Hold rating(s) 15 Buy rating(s) 2 Strong Buy rating(s) 2.57 Which has more volatility & risk, AFRM or AAPL? Affirm has a beta of 3.63, indicating that its stock price is 263% more volatile than the S&P 500. Comparatively, Apple has a beta of 1.16, indicating that its stock price is 16% more volatile than the S&P 500. Do institutionals & insiders 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 company insiders. Comparatively, 0.1% of Apple shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth. Does the media refer more to AFRM or AAPL? In the previous week, Apple had 383 more articles in the media than Affirm. MarketBeat recorded 389 mentions for Apple and 6 mentions for Affirm. Apple's average media sentiment score of 0.90 beat Affirm's score of -0.25 indicating that Apple 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) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Apple 217 Very Positive mention(s) 56 Positive mention(s) 85 Neutral mention(s) 17 Negative mention(s) 6 Very Negative mention(s) Positive Which has better valuation and earnings, AFRM or AAPL? 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 RatioAffirm$3.01B7.76-$517.76M-$0.21-344.43Apple$391.04B8.70$93.74B$6.5934.80 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$23.33B$19.42B$29.72B$9.71BDividend YieldN/A3.18%3.11%4.12%P/E Ratio-344.4373.7750.4224.70Price / Sales7.7667.941,532.14100.90Price / CashN/A84.6533.5728.01Price / Book8.248.157.215.76Net Income-$517.76M$347.70M$803.97M$267.05M7 Day Performance-3.29%-2.16%0.09%3.13%1 Month Performance11.76%-0.27%-0.19%1.27%1 Year Performance184.32%66.84%24,183.48%22.83% Affirm Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)AFRMAffirm1.7692 of 5 stars$72.33-8.4%$68.09-5.9%+184.3%$23.33B$3.01B-344.432,006Analyst UpgradeInsider TradeAAPLApple4.7396 of 5 stars$202.80+0.2%$237.25+17.0%+6.1%$3.03T$391.04B30.74164,000Trending NewsAMZNAmazon.com4.8808 of 5 stars$212.14-1.2%$262.45+23.7%+33.4%$2.25T$670.04B32.301,556,000Trending NewsMQMarqeta1.6277 of 5 stars$5.66+2.3%$5.55-1.9%+21.9%$2.65B$506.99M56.65960Trending NewsInsider TradePTONPeloton Interactive3.8111 of 5 stars$6.91+4.7%$8.46+22.4%+162.2%$2.70B$2.53B-15.732,918Trending NewsEarnings ReportAnalyst ForecastAnalyst RevisionGap UpPYPLPayPal4.9385 of 5 stars$68.07+1.4%$84.57+24.2%+4.5%$65.11B$32.29B14.5624,400SOFISoFi Technologies2.4828 of 5 stars$21.74+2.4%$18.06-16.9%+232.8%$24.00B$2.67B45.245,000Trending NewsUPSTUpstart3.8712 of 5 stars$82.84+4.6%$71.62-13.5%+89.7%$7.88B$714.41M-110.431,193Earnings ReportGap UpSHOPShopify3.9525 of 5 stars$125.09+5.5%$120.34-3.8%+115.9%$162.19B$9.38B80.6611,600Trending NewsAnalyst ForecastAnalyst RevisionWMTWalmart4.3292 of 5 stars$99.81+1.3%$106.67+6.9%+52.7%$796.84B$685.09B42.672,100,000Trending NewsIBITiShares Bitcoin Trust ETFN/A$65.20+1.5%N/A+91.1%$85.03BN/A0.00N/A 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 iShares Bitcoin Trust ETF 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 8/11/2025 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 | SponsoredElon’s Secret Social Security BombshellTo All Americans Born Before April 16th, 1963: Did Trump Just Give The Green Light To Radically RE-DO Social S...Banyan Hill Publishing | SponsoredMan Who Called Nvidia at $1.10 Says Buy This Now...In 2004, one man called Nvidia before just about anyone knew it existed. 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