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Affirm (AFRM) Competitors

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$70.23 -0.98 (-1.38%)
Closing price 07/24/2026 04:00 PM Eastern
Extended Trading
$70.12 -0.11 (-0.15%)
As of 07/24/2026 07:34 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 Massive. Learn more.

AFRM vs. AAPL, AMZN, MQ, PTON, and PYPL

Should you buy Affirm stock or one of its competitors? MarketBeat compares Affirm with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Affirm include Apple (AAPL), Amazon.com (AMZN), Marqeta (MQ), Peloton Interactive (PTON), and PayPal (PYPL).

How does Affirm compare to Apple?

Apple (NASDAQ:AAPL) and Affirm (NASDAQ:AFRM) are both large-cap computer and technology companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, earnings, dividends, risk, media sentiment, profitability, analyst recommendations and institutional ownership.

Apple has a beta of 1.1, suggesting that its stock price is 10% more volatile than the broader market. Comparatively, Affirm has a beta of 3.67, suggesting that its stock price is 267% more volatile than the broader market.

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 insiders. Comparatively, 11.0% of Affirm shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Apple has a net margin of 27.15% compared to Affirm's net margin of 9.63%. Apple's return on equity of 146.69% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Apple27.15% 146.69% 34.02%
Affirm 9.63%11.17%3.14%

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 Ratio
Apple$416.16B11.75$112.01B$8.2740.27
Affirm$3.24B7.25$52.19M$1.1063.85

Apple presently has a consensus price target of $327.40, suggesting a potential downside of 1.69%. Affirm has a consensus price target of $92.74, suggesting a potential upside of 32.05%. Given Affirm's stronger consensus rating and higher probable upside, analysts plainly believe Affirm is more favorable than Apple.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Apple
2 Sell rating(s)
9 Hold rating(s)
23 Buy rating(s)
1 Strong Buy rating(s)
2.66
Affirm
0 Sell rating(s)
8 Hold rating(s)
21 Buy rating(s)
2 Strong Buy rating(s)
2.81

In the previous week, Apple had 276 more articles in the media than Affirm. MarketBeat recorded 290 mentions for Apple and 14 mentions for Affirm. Affirm's average media sentiment score of 1.43 beat Apple's score of 0.86 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Apple
178 Very Positive mention(s)
39 Positive mention(s)
44 Neutral mention(s)
18 Negative mention(s)
9 Very Negative mention(s)
Positive
Affirm
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Apple beats Affirm on 9 of the 17 factors compared between the two stocks.

How does Affirm compare to Amazon.com?

Amazon.com (NASDAQ:AMZN) and Affirm (NASDAQ:AFRM) are related large-cap companies, but which is the superior business? We will compare the two companies based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, dividends, risk and media sentiment.

Amazon.com currently has a consensus price target of $312.91, indicating a potential upside of 34.81%. Affirm has a consensus price target of $92.74, indicating a potential upside of 32.05%. Given Amazon.com's stronger consensus rating and higher possible upside, research analysts clearly believe Amazon.com is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Amazon.com
0 Sell rating(s)
3 Hold rating(s)
57 Buy rating(s)
0 Strong Buy rating(s)
2.95
Affirm
0 Sell rating(s)
8 Hold rating(s)
21 Buy rating(s)
2 Strong Buy rating(s)
2.81

72.2% of Amazon.com shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 8.9% of Amazon.com shares are held by company insiders. Comparatively, 11.0% of Affirm shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Amazon.com has a beta of 1.46, meaning that its stock price is 46% more volatile than the broader market. Comparatively, Affirm has a beta of 3.67, meaning that its stock price is 267% more volatile than the broader market.

Amazon.com has a net margin of 12.22% compared to Affirm's net margin of 9.63%. Amazon.com's return on equity of 19.92% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Amazon.com12.22% 19.92% 9.86%
Affirm 9.63%11.17%3.14%

Amazon.com has higher revenue and earnings than Affirm. Amazon.com 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 Ratio
Amazon.com$716.92B3.48$77.67B$8.3627.76
Affirm$3.24B7.25$52.19M$1.1063.85

In the previous week, Amazon.com had 254 more articles in the media than Affirm. MarketBeat recorded 268 mentions for Amazon.com and 14 mentions for Affirm. Affirm's average media sentiment score of 1.43 beat Amazon.com's score of 0.73 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Amazon.com
153 Very Positive mention(s)
41 Positive mention(s)
34 Neutral mention(s)
29 Negative mention(s)
9 Very Negative mention(s)
Positive
Affirm
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Amazon.com beats Affirm on 11 of the 17 factors compared between the two stocks.

How does Affirm compare to Marqeta?

Marqeta (NASDAQ:MQ) and Affirm (NASDAQ:AFRM) are related companies, but which is the superior business? We will compare the two companies based on the strength of their risk, media sentiment, valuation, earnings, dividends, institutional ownership, profitability and analyst recommendations.

78.6% of Marqeta shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 13.7% of Marqeta shares are held by company insiders. Comparatively, 11.0% of Affirm shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Marqeta presently has a consensus target price of $20.13, indicating a potential upside of 17.90%. Affirm has a consensus target price of $92.74, indicating a potential upside of 32.05%. Given Affirm's stronger consensus rating and higher possible upside, analysts clearly believe Affirm is more favorable than Marqeta.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Marqeta
2 Sell rating(s)
8 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.91
Affirm
0 Sell rating(s)
8 Hold rating(s)
21 Buy rating(s)
2 Strong Buy rating(s)
2.81

Affirm has a net margin of 9.63% compared to Marqeta's net margin of 0.33%. Affirm's return on equity of 11.17% beat Marqeta's return on equity.

Company Net Margins Return on Equity Return on Assets
Marqeta0.33% 0.27% 0.15%
Affirm 9.63%11.17%3.14%

Marqeta has a beta of 1.31, indicating that its stock price is 31% more volatile than the broader market. Comparatively, Affirm has a beta of 3.67, indicating that its stock price is 267% more volatile than the broader market.

In the previous week, Affirm had 11 more articles in the media than Marqeta. MarketBeat recorded 14 mentions for Affirm and 3 mentions for Marqeta. Affirm's average media sentiment score of 1.43 beat Marqeta's score of 0.63 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Marqeta
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm has higher revenue and earnings than Marqeta. Affirm is trading at a lower price-to-earnings ratio than Marqeta, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Marqeta$624.88M2.90-$13.93M$0.04426.75
Affirm$3.24B7.25$52.19M$1.1063.85

Summary

Affirm beats Marqeta on 14 of the 17 factors compared between the two stocks.

How does Affirm compare to Peloton Interactive?

Peloton Interactive (NASDAQ:PTON) and Affirm (NASDAQ:AFRM) are related companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, institutional ownership, risk, earnings, analyst recommendations, dividends, media sentiment and profitability.

Affirm has higher revenue and earnings than Peloton Interactive. Affirm is trading at a lower price-to-earnings ratio than Peloton Interactive, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Peloton Interactive$2.49B1.06-$118.90M$0.04152.00
Affirm$3.24B7.25$52.19M$1.1063.85

Affirm has a net margin of 9.63% compared to Peloton Interactive's net margin of 0.94%. Affirm's return on equity of 11.17% beat Peloton Interactive's return on equity.

Company Net Margins Return on Equity Return on Assets
Peloton Interactive0.94% -6.95% 1.09%
Affirm 9.63%11.17%3.14%

77.0% of Peloton Interactive shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 1.3% of Peloton Interactive shares are held by company insiders. Comparatively, 11.0% of Affirm shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Peloton Interactive has a beta of 2.52, indicating that its stock price is 152% more volatile than the broader market. Comparatively, Affirm has a beta of 3.67, indicating that its stock price is 267% more volatile than the broader market.

In the previous week, Affirm had 5 more articles in the media than Peloton Interactive. MarketBeat recorded 14 mentions for Affirm and 9 mentions for Peloton Interactive. Affirm's average media sentiment score of 1.43 beat Peloton Interactive's score of 0.88 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Peloton Interactive
4 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Peloton Interactive currently has a consensus price target of $8.25, suggesting a potential upside of 35.69%. Affirm has a consensus price target of $92.74, suggesting a potential upside of 32.05%. Given Peloton Interactive's higher probable upside, equities analysts plainly believe Peloton Interactive is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Peloton Interactive
1 Sell rating(s)
8 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.29
Affirm
0 Sell rating(s)
8 Hold rating(s)
21 Buy rating(s)
2 Strong Buy rating(s)
2.81

Summary

Affirm beats Peloton Interactive on 14 of the 17 factors compared between the two stocks.

How does Affirm compare to PayPal?

Affirm (NASDAQ:AFRM) and PayPal (NASDAQ:PYPL) are related large-cap companies, but which is the better business? We will contrast the two companies based on the strength of their risk, institutional ownership, earnings, media sentiment, dividends, valuation, analyst recommendations and profitability.

PayPal has higher revenue and earnings than Affirm. PayPal 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 Ratio
Affirm$3.24B7.25$52.19M$1.1063.85
PayPal$33.17B1.49$5.23B$5.3310.53

Affirm presently has a consensus target price of $92.74, suggesting a potential upside of 32.05%. PayPal has a consensus target price of $54.96, suggesting a potential downside of 2.12%. Given Affirm's stronger consensus rating and higher probable upside, equities research analysts clearly believe Affirm is more favorable than PayPal.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
8 Hold rating(s)
21 Buy rating(s)
2 Strong Buy rating(s)
2.81
PayPal
4 Sell rating(s)
34 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.11

PayPal has a net margin of 15.00% compared to Affirm's net margin of 9.63%. PayPal's return on equity of 25.02% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
PayPal 15.00%25.02%6.30%

69.3% of Affirm shares are held by institutional investors. Comparatively, 68.3% of PayPal shares are held by institutional investors. 11.0% of Affirm shares are held by insiders. Comparatively, 0.6% of PayPal shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

In the previous week, PayPal had 47 more articles in the media than Affirm. MarketBeat recorded 61 mentions for PayPal and 14 mentions for Affirm. Affirm's average media sentiment score of 1.43 beat PayPal's score of 0.87 indicating that Affirm is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PayPal
33 Very Positive mention(s)
13 Positive mention(s)
8 Neutral mention(s)
5 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm has a beta of 3.67, indicating that its share price is 267% more volatile than the broader market. Comparatively, PayPal has a beta of 1.33, indicating that its share price is 33% more volatile than the broader market.

Summary

Affirm beats PayPal on 10 of the 17 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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AFRM vs. The Competition

MetricAffirmINTERNET SOFTWARE IndustryComputer SectorNASDAQ Exchange
Market Cap$23.52B$16.88B$37.12B$12.20B
Dividend YieldN/A1.75%3.17%9.41%
P/E Ratio63.8563.44168.0523.63
Price / Sales7.2533.87596.19111.98
Price / Cash295.7175.5043.4058.78
Price / Book7.446.299.076.01
Net Income$52.19M$385.08M$1.07B$331.99M
7 Day Performance-7.68%-5.37%-1.81%-0.63%
1 Month Performance-11.65%-2.58%-3.68%-3.04%
1 Year Performance4.68%-19.85%133.84%13.30%

Affirm Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
AFRM
Affirm
4.7237 of 5 stars
$70.23
-1.4%
$92.74
+32.1%
+4.7%$23.52B$3.24B63.852,206
AAPL
Apple
4.0029 of 5 stars
$327.74
+0.4%
$322.43
-1.6%
+55.7%$4.81T$416.16B39.63166,000
AMZN
Amazon.com
4.7722 of 5 stars
$247.55
-1.0%
$312.91
+26.4%
+0.3%$2.66T$716.92B29.611,576,000
MQ
Marqeta
3.9314 of 5 stars
$17.44
-0.7%
$20.13
+15.4%
-26.3%$1.85B$624.88M436.11960
PTON
Peloton Interactive
3.8818 of 5 stars
$6.36
-2.5%
$8.25
+29.7%
-7.3%$2.75B$2.49B159.042,145

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This page (NASDAQ:AFRM) was last updated on 7/26/2026 by MarketBeat.com Staff.
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