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Affirm (AFRM) Competitors

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$72.35 -1.95 (-2.62%)
As of 09/4/2026 04:00 PM Eastern

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

Should you buy Affirm stock or one of its competitors? Affirm's main competitors and comparable companies include Apple (AAPL), Amazon.com (AMZN), Marqeta (MQ), Peloton Interactive (PTON), and PayPal (PYPL). Companies are selected based on similarities in market, industry, and size.

How does Affirm compare to Apple?

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

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 Ratio
Affirm$4.26B5.73$1.93B$5.5213.11
Apple$416.16B11.22$112.01B$8.7236.69

Affirm has a net margin of 45.29% compared to Apple's net margin of 27.62%. Apple's return on equity of 135.46% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm45.29% 47.91% 14.46%
Apple 27.62%135.46%34.11%

In the previous week, Apple had 342 more articles in the media than Affirm. MarketBeat recorded 374 mentions for Apple and 32 mentions for Affirm. Apple's average media sentiment score of 0.63 beat Affirm's score of 0.56 indicating that Apple is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
13 Very Positive mention(s)
1 Positive mention(s)
10 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Apple
165 Very Positive mention(s)
61 Positive mention(s)
87 Neutral mention(s)
40 Negative mention(s)
16 Very Negative mention(s)
Positive

Affirm has a beta of 3.61, suggesting that its share price is 261% more volatile than the broader market. Comparatively, Apple has a beta of 1.08, suggesting that its share price is 8% more volatile than the broader market.

Affirm presently has a consensus price target of $99.12, indicating a potential upside of 36.99%. Apple has a consensus price target of $330.61, indicating a potential upside of 3.33%. Given Affirm's stronger consensus rating and higher possible upside, analysts plainly believe Affirm is more favorable than Apple.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
8 Hold rating(s)
23 Buy rating(s)
0 Strong Buy rating(s)
2.74
Apple
4 Sell rating(s)
12 Hold rating(s)
22 Buy rating(s)
1 Strong Buy rating(s)
2.51

69.3% of Affirm shares are owned by institutional investors. Comparatively, 67.7% of Apple shares are owned by institutional investors. 11.0% of Affirm shares are owned by insiders. Comparatively, 0.1% of Apple shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Apple beats Affirm on 10 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 better stock? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, analyst recommendations, media sentiment, institutional ownership, earnings and risk.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Amazon.com$716.92B3.89$77.67B$12.4320.80
Affirm$4.26B5.73$1.93B$5.5213.11

Amazon.com presently has a consensus price target of $323.26, suggesting a potential upside of 25.05%. Affirm has a consensus price target of $99.12, suggesting a potential upside of 36.99%. Given Affirm's higher possible upside, analysts plainly believe Affirm is more favorable than Amazon.com.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Amazon.com
0 Sell rating(s)
2 Hold rating(s)
56 Buy rating(s)
1 Strong Buy rating(s)
2.98
Affirm
0 Sell rating(s)
8 Hold rating(s)
23 Buy rating(s)
0 Strong Buy rating(s)
2.74

72.2% of Amazon.com shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 8.9% of Amazon.com shares are owned by company insiders. Comparatively, 11.0% of Affirm shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

In the previous week, Amazon.com had 226 more articles in the media than Affirm. MarketBeat recorded 258 mentions for Amazon.com and 32 mentions for Affirm. Amazon.com's average media sentiment score of 0.77 beat Affirm's score of 0.56 indicating that Amazon.com is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Amazon.com
137 Very Positive mention(s)
43 Positive mention(s)
31 Neutral mention(s)
34 Negative mention(s)
11 Very Negative mention(s)
Positive
Affirm
13 Very Positive mention(s)
1 Positive mention(s)
10 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm has a net margin of 45.29% compared to Amazon.com's net margin of 17.44%. Affirm's return on equity of 47.91% beat Amazon.com's return on equity.

Company Net Margins Return on Equity Return on Assets
Amazon.com17.44% 18.00% 8.97%
Affirm 45.29%47.91%14.46%

Amazon.com has a beta of 1.44, indicating that its share price is 44% more volatile than the broader market. Comparatively, Affirm has a beta of 3.61, indicating that its share price is 261% more volatile than the broader market.

Summary

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

How does Affirm compare to Marqeta?

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

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$624.88M2.76-$13.93M$0.11150.73
Affirm$4.26B5.73$1.93B$5.5213.11

Affirm has a net margin of 45.29% compared to Marqeta's net margin of 1.53%. Affirm's return on equity of 47.91% beat Marqeta's return on equity.

Company Net Margins Return on Equity Return on Assets
Marqeta1.53% 1.36% 0.71%
Affirm 45.29%47.91%14.46%

78.6% of Marqeta shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 13.7% of Marqeta shares are owned by insiders. Comparatively, 11.0% of Affirm shares are owned 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.

Marqeta currently has a consensus target price of $19.75, suggesting a potential upside of 19.12%. Affirm has a consensus target price of $99.12, suggesting a potential upside of 36.99%. Given Affirm's stronger consensus rating and higher possible upside, analysts plainly believe Affirm is more favorable than Marqeta.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Marqeta
2 Sell rating(s)
7 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.09
Affirm
0 Sell rating(s)
8 Hold rating(s)
23 Buy rating(s)
0 Strong Buy rating(s)
2.74

Marqeta has a beta of 1.29, suggesting that its share price is 29% more volatile than the broader market. Comparatively, Affirm has a beta of 3.61, suggesting that its share price is 261% more volatile than the broader market.

In the previous week, Affirm had 32 more articles in the media than Marqeta. MarketBeat recorded 32 mentions for Affirm and 0 mentions for Marqeta. Marqeta's average media sentiment score of 1.00 beat Affirm's score of 0.56 indicating that Marqeta is being referred to more favorably in the media.

Company Overall Sentiment
Marqeta Positive
Affirm Positive

Summary

Affirm beats Marqeta on 12 of the 17 factors compared between the two stocks.

How does Affirm compare to Peloton Interactive?

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

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
Affirm$4.26B5.73$1.93B$5.5213.11
Peloton Interactive$2.45B0.97$63.20M$0.1245.00

In the previous week, Affirm had 25 more articles in the media than Peloton Interactive. MarketBeat recorded 32 mentions for Affirm and 7 mentions for Peloton Interactive. Peloton Interactive's average media sentiment score of 0.62 beat Affirm's score of 0.56 indicating that Peloton Interactive is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
13 Very Positive mention(s)
1 Positive mention(s)
10 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Peloton Interactive
2 Very Positive mention(s)
3 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

69.3% of Affirm shares are owned by institutional investors. Comparatively, 77.0% of Peloton Interactive shares are owned by institutional investors. 11.0% of Affirm shares are owned by insiders. Comparatively, 1.3% of Peloton Interactive shares are owned by 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.

Affirm currently has a consensus price target of $99.12, indicating a potential upside of 36.99%. Peloton Interactive has a consensus price target of $7.94, indicating a potential upside of 47.12%. Given Peloton Interactive's higher probable upside, analysts plainly believe Peloton Interactive is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
8 Hold rating(s)
23 Buy rating(s)
0 Strong Buy rating(s)
2.74
Peloton Interactive
1 Sell rating(s)
7 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.31

Affirm has a beta of 3.61, meaning that its share price is 261% more volatile than the broader market. Comparatively, Peloton Interactive has a beta of 2.52, meaning that its share price is 152% more volatile than the broader market.

Affirm has a net margin of 45.29% compared to Peloton Interactive's net margin of 2.58%. Affirm's return on equity of 47.91% beat Peloton Interactive's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm45.29% 47.91% 14.46%
Peloton Interactive 2.58%-23.92%3.00%

Summary

Affirm beats Peloton Interactive on 12 of the 16 factors compared between the two stocks.

How does Affirm compare to PayPal?

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

Affirm presently has a consensus price target of $99.12, indicating a potential upside of 36.99%. PayPal has a consensus price target of $56.03, indicating a potential upside of 1.94%. Given Affirm's stronger consensus rating and higher possible upside, research analysts plainly 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)
23 Buy rating(s)
0 Strong Buy rating(s)
2.74
PayPal
4 Sell rating(s)
34 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.11

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

Affirm has a beta of 3.61, suggesting that its share price is 261% more volatile than the broader market. Comparatively, PayPal has a beta of 1.28, suggesting that its share price is 28% more volatile than the broader market.

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$4.26B5.73$1.93B$5.5213.11
PayPal$34.13B1.38$5.23B$5.2910.39

Affirm has a net margin of 45.29% compared to PayPal's net margin of 14.36%. Affirm's return on equity of 47.91% beat PayPal's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm45.29% 47.91% 14.46%
PayPal 14.36%24.39%6.06%

In the previous week, PayPal had 28 more articles in the media than Affirm. MarketBeat recorded 60 mentions for PayPal and 32 mentions for Affirm. Affirm's average media sentiment score of 0.56 beat PayPal's score of 0.26 indicating that Affirm is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
13 Very Positive mention(s)
1 Positive mention(s)
10 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
PayPal
27 Very Positive mention(s)
8 Positive mention(s)
11 Neutral mention(s)
7 Negative mention(s)
7 Very Negative mention(s)
Neutral

Summary

Affirm beats PayPal on 13 of the 16 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

MetricAffirmFinancial Services IndustryFinance SectorNASDAQ Exchange
Market Cap$25.07B$27.39B$14.28B$12.92B
Dividend YieldN/A6.05%5.88%8.90%
P/E Ratio13.1119.5526.1725.42
Price / Sales5.73429.26517.0397.20
Price / Cash12.92166.2039.5952.28
Price / Book4.423.182.136.17
Net Income$1.93B$1.10B$1.32B$349.50M
7 Day Performance-6.96%0.90%3.83%-0.15%
1 Month Performance-7.80%11.77%1.60%1.02%
1 Year Performance-17.17%-0.29%11.96%14.50%

Affirm Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
AFRM
Affirm
4.8107 of 5 stars
$72.35
-2.6%
$99.12
+37.0%
-19.3%$25.07B$4.26B13.112,358
AAPL
Apple
4.25 of 5 stars
$325.13
+2.6%
$330.61
+1.7%
+33.4%$4.75T$416.16B37.29166,000
AMZN
Amazon.com
4.8704 of 5 stars
$254.92
-1.9%
$323.09
+26.7%
+9.7%$2.75T$716.92B20.511,576,000
MQ
Marqeta
3.1714 of 5 stars
$16.17
-1.5%
$19.75
+22.1%
-32.2%$1.68B$624.88M147.00960
PTON
Peloton Interactive
4.0981 of 5 stars
$5.09
-5.0%
$7.94
+56.1%
-33.5%$2.23B$2.45B42.421,736

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This page (NASDAQ:AFRM) was last updated on 9/5/2026 by MarketBeat.com Staff.
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