Affirm (AFRM) Competitors $88.46 +8.47 (+10.59%) Closing price 08/29/2025 04:00 PM EasternExtended Trading$88.52 +0.06 (+0.07%) As of 08/29/2025 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 business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, media sentiment, valuation, profitability and risk. Which has more risk and volatility, AFRM or AAPL? Affirm has a beta of 3.63, meaning that its share price is 263% more volatile than the S&P 500. Comparatively, Apple has a beta of 1.16, meaning that its share price is 16% more volatile than the S&P 500. 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% 1.84% 0.50% Apple 24.30%170.91%31.94% Do analysts prefer AFRM or AAPL? Affirm currently has a consensus price target of $77.35, indicating a potential downside of 12.56%. Apple has a consensus price target of $237.37, indicating a potential upside of 2.25%. 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) 11 Hold rating(s) 18 Buy rating(s) 1 Strong Buy rating(s) 2.67Apple 2 Sell rating(s) 11 Hold rating(s) 15 Buy rating(s) 2 Strong Buy rating(s) 2.57 Does the media favor AFRM or AAPL? In the previous week, Apple had 274 more articles in the media than Affirm. MarketBeat recorded 306 mentions for Apple and 32 mentions for Affirm. Apple's average media sentiment score of 0.90 beat Affirm's score of 0.45 indicating that Apple is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Affirm 6 Very Positive mention(s) 1 Positive mention(s) 9 Neutral mention(s) 2 Negative mention(s) 0 Very Negative mention(s) Neutral Apple 190 Very Positive mention(s) 41 Positive mention(s) 38 Neutral mention(s) 26 Negative mention(s) 9 Very Negative mention(s) Positive Which has higher valuation & 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$3.24B8.80-$517.76M-$0.21-421.24Apple$391.04B8.81$93.74B$6.5935.23 Do institutionals and insiders believe in AFRM or AAPL? 69.3% of Affirm shares are held by institutional investors. Comparatively, 67.7% of Apple shares are held by institutional investors. 11.8% of Affirm shares are held by company insiders. Comparatively, 0.1% of Apple shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term. 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$28.54B$19.23B$29.91B$9.76BDividend YieldN/A3.40%3.17%4.04%P/E Ratio680.5180.68418.8526.59Price / Sales8.8080.321,536.76110.55Price / CashN/A82.9136.0059.26Price / Book10.0818.239.406.58Net Income-$517.76M$347.77M$807.00M$265.95M7 Day Performance11.28%0.28%0.47%0.17%1 Month Performance29.03%1.72%3.00%3.90%1 Year Performance101.00%60.10%24,184.33%19.67% Affirm Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)AFRMAffirm1.9843 of 5 stars$88.46+10.6%$77.35-12.6%+101.0%$28.54B$3.24B680.512,006Trending NewsEarnings ReportAnalyst ForecastInsider TradeAnalyst RevisionGap UpHigh Trading VolumeAAPLApple4.6369 of 5 stars$227.57-0.1%$237.98+4.6%+1.4%$3.38T$391.04B34.54164,000Trending NewsAnalyst ForecastAMZNAmazon.com4.6904 of 5 stars$228.34-0.2%$262.87+15.1%+28.3%$2.44T$637.96B34.851,556,000Trending NewsMQMarqeta2.3535 of 5 stars$6.18-0.1%$6.11-1.0%+19.3%$2.77B$506.99M-47.58960News CoveragePositive NewsPTONPeloton Interactive3.9438 of 5 stars$7.56-4.5%$9.29+23.0%+63.1%$3.08B$2.49B-24.402,145PYPLPayPal4.6695 of 5 stars$69.53-0.5%$85.00+22.3%-3.1%$66.41B$32.29B14.8524,400Trending NewsSOFISoFi Technologies2.8239 of 5 stars$26.21+4.7%$19.35-26.1%+219.6%$31.38B$2.67B54.605,000UPSTUpstart3.6666 of 5 stars$69.33+0.7%$78.54+13.3%+72.4%$6.69B$636.53M-869.581,193Gap UpSHOPShopify4.3099 of 5 stars$140.86-0.9%$148.51+5.4%+90.8%$183.19B$10.01B90.9411,600Positive NewsAnalyst ForecastWMTWalmart4.7318 of 5 stars$96.21-0.6%$110.07+14.4%+25.6%$766.97B$680.99B36.132,100,000Trending NewsIBITiShares Bitcoin Trust ETFN/A$63.42-4.3%N/A+84.1%$82.70BN/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 8/31/2025 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 | SponsoredBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. 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