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Affirm (AFRM) Competitors

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$65.58 -1.23 (-1.84%)
Closing price 05/6/2026 04:00 PM Eastern
Extended Trading
$65.67 +0.09 (+0.14%)
As of 05/6/2026 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 Massive. Learn more.

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

Should 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), and PayPal (PYPL).

How does Affirm compare to Apple?

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

Affirm has a beta of 3.72, meaning that its stock price is 272% more volatile than the S&P 500. Comparatively, Apple has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500.

In the previous week, Apple had 363 more articles in the media than Affirm. MarketBeat recorded 379 mentions for Apple and 16 mentions for Affirm. Apple's average media sentiment score of 0.78 beat Affirm's score of 0.52 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)
2 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Positive
Apple
212 Very Positive mention(s)
49 Positive mention(s)
67 Neutral mention(s)
33 Negative mention(s)
9 Very Negative mention(s)
Positive

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
Affirm$3.24B6.73$52.19M$0.8180.96
Apple$451.44B9.35$112.01B$8.2734.77

Affirm presently has a consensus target price of $83.76, indicating a potential upside of 27.72%. Apple has a consensus target price of $304.31, indicating a potential upside of 5.84%. Given Affirm's stronger consensus rating and higher probable upside, equities analysts clearly believe Affirm is more favorable than Apple.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72
Apple
1 Sell rating(s)
11 Hold rating(s)
22 Buy rating(s)
1 Strong Buy rating(s)
2.66

Apple has a net margin of 27.15% compared to Affirm's net margin of 7.60%. Apple's return on equity of 146.69% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm7.60% 8.83% 2.45%
Apple 27.15%146.69%34.02%

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 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 will outperform the market over the long term.

Summary

Apple beats Affirm on 10 of the 16 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 business? We will contrast the two companies based on the strength of their media sentiment, institutional ownership, risk, earnings, profitability, dividends, valuation and analyst recommendations.

Amazon.com has a net margin of 12.22% compared to Affirm's net margin of 7.60%. 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 7.60%8.83%2.45%

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, large money managers and hedge funds believe a company is poised for long-term growth.

Amazon.com presently has a consensus target price of $313.09, indicating a potential upside of 13.82%. Affirm has a consensus target price of $83.76, indicating a potential upside of 27.72%. Given Affirm's higher probable 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)
3 Hold rating(s)
56 Buy rating(s)
0 Strong Buy rating(s)
2.95
Affirm
0 Sell rating(s)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72

In the previous week, Amazon.com had 454 more articles in the media than Affirm. MarketBeat recorded 470 mentions for Amazon.com and 16 mentions for Affirm. Amazon.com's average media sentiment score of 0.78 beat Affirm's score of 0.52 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
233 Very Positive mention(s)
98 Positive mention(s)
66 Neutral mention(s)
28 Negative mention(s)
13 Very Negative mention(s)
Positive
Affirm
6 Very Positive mention(s)
2 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Positive

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$716.92B4.13$77.67B$8.3632.90
Affirm$3.24B6.73$52.19M$0.8180.96

Amazon.com has a beta of 1.46, indicating that its stock price is 46% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.72, indicating that its stock price is 272% more volatile than the S&P 500.

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

Marqeta presently has a consensus target price of $5.19, suggesting a potential upside of 25.47%. Affirm has a consensus target price of $83.76, suggesting a potential upside of 27.72%. 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)
9 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.92
Affirm
0 Sell rating(s)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72

Marqeta has a beta of 1.35, indicating that its stock price is 35% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.72, indicating that its stock price is 272% more volatile than the S&P 500.

Affirm has a net margin of 7.60% compared to Marqeta's net margin of 0.33%. Affirm's return on equity of 8.83% beat Marqeta's return on equity.

Company Net Margins Return on Equity Return on Assets
Marqeta0.33% 0.27% 0.15%
Affirm 7.60%8.83%2.45%

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$651.61M2.71-$13.93M$0.01414.00
Affirm$3.24B6.73$52.19M$0.8180.96

In the previous week, Affirm had 3 more articles in the media than Marqeta. MarketBeat recorded 16 mentions for Affirm and 13 mentions for Marqeta. Affirm's average media sentiment score of 0.52 beat Marqeta's score of 0.36 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Marqeta
2 Very Positive mention(s)
0 Positive mention(s)
7 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
Affirm
6 Very Positive mention(s)
2 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Positive

78.6% of Marqeta shares are held by institutional investors. Comparatively, 69.3% of Affirm shares are held by institutional investors. 12.6% of Marqeta shares are held by insiders. Comparatively, 11.0% of Affirm shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Affirm beats Marqeta on 14 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 investment? We will compare the two companies based on the strength of their profitability, analyst recommendations, risk, media sentiment, institutional ownership, dividends, valuation and earnings.

Affirm has a beta of 3.72, meaning that its share price is 272% more volatile than the S&P 500. Comparatively, Peloton Interactive has a beta of 2.5, meaning that its share price is 150% more volatile than the S&P 500.

69.3% of Affirm shares are held by institutional investors. Comparatively, 77.0% of Peloton Interactive shares are held by institutional investors. 11.0% of Affirm shares are held by company insiders. Comparatively, 1.3% of Peloton Interactive shares are held 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, Affirm had 11 more articles in the media than Peloton Interactive. MarketBeat recorded 16 mentions for Affirm and 5 mentions for Peloton Interactive. Peloton Interactive's average media sentiment score of 0.57 beat Affirm's score of 0.52 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
6 Very Positive mention(s)
2 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Positive
Peloton Interactive
2 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm currently has a consensus price target of $83.76, indicating a potential upside of 27.72%. Peloton Interactive has a consensus price target of $8.60, indicating a potential upside of 65.38%. Given Peloton Interactive's higher probable upside, analysts clearly 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)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72
Peloton Interactive
1 Sell rating(s)
8 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.29

Affirm has a net margin of 7.60% compared to Peloton Interactive's net margin of -2.09%. Affirm's return on equity of 8.83% beat Peloton Interactive's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm7.60% 8.83% 2.45%
Peloton Interactive -2.09%N/A -2.39%

Affirm has higher revenue and earnings than Peloton Interactive. Peloton Interactive 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$3.24B6.73$52.19M$0.8180.96
Peloton Interactive$2.49B0.89-$118.90M-$0.13N/A

Summary

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

How does Affirm compare to PayPal?

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

68.3% of PayPal shares are owned by institutional investors. Comparatively, 69.3% of Affirm shares are owned by institutional investors. 0.6% of PayPal 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.

PayPal presently has a consensus target price of $56.47, suggesting a potential upside of 22.09%. Affirm has a consensus target price of $83.76, suggesting a potential upside of 27.72%. Given Affirm's stronger consensus rating and higher probable upside, analysts plainly believe Affirm is more favorable than PayPal.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PayPal
5 Sell rating(s)
32 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.07
Affirm
0 Sell rating(s)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72

PayPal has a beta of 1.39, suggesting that its stock price is 39% more volatile than the S&P 500. Comparatively, Affirm has a beta of 3.72, suggesting that its stock price is 272% more volatile than the S&P 500.

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
PayPal$33.17B1.25$5.23B$5.418.55
Affirm$3.24B6.73$52.19M$0.8180.96

In the previous week, PayPal had 109 more articles in the media than Affirm. MarketBeat recorded 125 mentions for PayPal and 16 mentions for Affirm. Affirm's average media sentiment score of 0.52 beat PayPal's score of 0.44 indicating that Affirm is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PayPal
47 Very Positive mention(s)
14 Positive mention(s)
29 Neutral mention(s)
16 Negative mention(s)
9 Very Negative mention(s)
Neutral
Affirm
6 Very Positive mention(s)
2 Positive mention(s)
5 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Positive

PayPal has a net margin of 15.00% compared to Affirm's net margin of 7.60%. PayPal's return on equity of 25.02% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
PayPal15.00% 25.02% 6.30%
Affirm 7.60%8.83%2.45%

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$22.26B$16.67B$37.50B$11.90B
Dividend YieldN/A4.51%3.17%5.26%
P/E Ratio80.9669.7973.7927.35
Price / Sales6.7343.05625.9686.38
Price / Cash281.3165.2846.7154.56
Price / Book6.956.169.456.79
Net Income$52.19M$379.25M$1.03B$332.68M
7 Day Performance2.02%4.47%4.50%2.55%
1 Month Performance38.35%10.16%15.34%9.36%
1 Year Performance27.24%2.27%171.46%45.22%

Affirm Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
AFRM
Affirm
4.4422 of 5 stars
$65.58
-1.8%
$83.76
+27.7%
+28.6%$22.26B$3.24B80.962,206
AAPL
Apple
4.4453 of 5 stars
$270.71
+1.2%
$301.83
+11.5%
+44.5%$3.97T$435.62B34.22166,000
AMZN
Amazon.com
4.3614 of 5 stars
$259.70
-0.5%
$289.39
+11.4%
+48.7%$2.79T$716.92B36.221,576,000
MQ
Marqeta
4.0967 of 5 stars
$4.35
flat
$5.14
+18.1%
+6.2%$1.86B$624.88MN/A960
PTON
Peloton Interactive
4.518 of 5 stars
$5.26
-0.9%
$8.60
+63.5%
-25.6%$2.24B$2.49BN/A2,145

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This page (NASDAQ:AFRM) was last updated on 5/7/2026 by MarketBeat.com Staff.
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