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Affirm (AFRM) Competitors

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$78.35 +0.03 (+0.04%)
Closing price 08/14/2026 04:00 PM Eastern
Extended Trading
$78.32 -0.03 (-0.03%)
As of 08/14/2026 07:57 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? 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 better stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, institutional ownership, risk, analyst recommendations, media sentiment and profitability.

Affirm has a beta of 3.71, suggesting that its stock price is 271% more volatile than the broader market. Comparatively, Apple has a beta of 1.09, suggesting that its stock price is 9% more volatile than the broader market.

In the previous week, Apple had 313 more articles in the media than Affirm. MarketBeat recorded 325 mentions for Apple and 12 mentions for Affirm. Apple's average media sentiment score of 0.86 beat Affirm's score of 0.77 indicating that Apple is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
4 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
Apple
202 Very Positive mention(s)
43 Positive mention(s)
32 Neutral mention(s)
37 Negative mention(s)
8 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$3.24B8.09$52.19M$1.1071.23
Apple$416.16B10.73$112.01B$8.7235.08

Affirm currently has a consensus target price of $93.15, suggesting a potential upside of 18.89%. Apple has a consensus target price of $328.60, suggesting a potential upside of 7.41%. Given Affirm's stronger consensus rating and higher possible upside, 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)
7 Hold rating(s)
22 Buy rating(s)
2 Strong Buy rating(s)
2.84
Apple
4 Sell rating(s)
10 Hold rating(s)
20 Buy rating(s)
1 Strong Buy rating(s)
2.51

69.3% of Affirm shares are held by institutional investors. Comparatively, 67.7% of Apple shares are held by institutional investors. 11.0% 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 endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Apple has a net margin of 27.62% compared to Affirm's net margin of 9.63%. Apple's return on equity of 135.46% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
Apple 27.62%135.46%34.11%

Summary

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

How does Affirm compare to Amazon.com?

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

Amazon.com has a net margin of 17.44% compared to Affirm's net margin of 9.63%. Amazon.com's return on equity of 18.00% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
Amazon.com 17.44%18.00%8.97%

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

Affirm has a beta of 3.71, suggesting that its share price is 271% more volatile than the broader market. Comparatively, Amazon.com has a beta of 1.45, suggesting that its share price is 45% more volatile than the broader market.

In the previous week, Amazon.com had 306 more articles in the media than Affirm. MarketBeat recorded 318 mentions for Amazon.com and 12 mentions for Affirm. Amazon.com's average media sentiment score of 1.02 beat Affirm's score of 0.77 indicating that Amazon.com is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
4 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
Amazon.com
211 Very Positive mention(s)
60 Positive mention(s)
20 Neutral mention(s)
20 Negative mention(s)
5 Very Negative mention(s)
Positive

Affirm presently has a consensus price target of $93.15, suggesting a potential upside of 18.89%. Amazon.com has a consensus price target of $322.56, suggesting a potential upside of 22.81%. Given Amazon.com's stronger consensus rating and higher probable upside, analysts clearly believe Amazon.com is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
7 Hold rating(s)
22 Buy rating(s)
2 Strong Buy rating(s)
2.84
Amazon.com
0 Sell rating(s)
2 Hold rating(s)
56 Buy rating(s)
1 Strong Buy rating(s)
2.98

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
Affirm$3.24B8.09$52.19M$1.1071.23
Amazon.com$716.92B3.95$77.67B$12.4321.13

Summary

Amazon.com beats Affirm on 12 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 better business? We will compare the two businesses based on the strength of their media sentiment, earnings, dividends, valuation, institutional ownership, profitability, risk and analyst recommendations.

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$624.88M2.72-$13.93M$0.11148.45
Affirm$3.24B8.09$52.19M$1.1071.23

Marqeta has a beta of 1.3, suggesting that its share price is 30% more volatile than the broader market. Comparatively, Affirm has a beta of 3.71, suggesting that its share price is 271% more volatile than the broader market.

Marqeta presently has a consensus target price of $19.75, suggesting a potential upside of 20.94%. Affirm has a consensus target price of $93.15, suggesting a potential upside of 18.89%. Given Marqeta's higher probable upside, equities research analysts clearly believe Marqeta is more favorable than Affirm.

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)
7 Hold rating(s)
22 Buy rating(s)
2 Strong Buy rating(s)
2.84

Affirm has a net margin of 9.63% compared to Marqeta's net margin of 1.53%. Affirm's return on equity of 11.17% beat Marqeta's return on equity.

Company Net Margins Return on Equity Return on Assets
Marqeta1.53% 1.36% 0.71%
Affirm 9.63%11.17%3.14%

In the previous week, Affirm had 6 more articles in the media than Marqeta. MarketBeat recorded 12 mentions for Affirm and 6 mentions for Marqeta. Marqeta's average media sentiment score of 0.86 beat Affirm's score of 0.77 indicating that Marqeta is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Marqeta
0 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Affirm
4 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive

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 hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

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

Peloton Interactive has lower revenue, but higher earnings than Affirm. 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$3.24B8.09$52.19M$1.1071.23
Peloton Interactive$2.45B1.01$63.20M$0.1246.92

In the previous week, Affirm and Affirm both had 12 articles in the media. Peloton Interactive's average media sentiment score of 0.99 beat Affirm's score of 0.77 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
4 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
Peloton Interactive
7 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Affirm presently has a consensus price target of $93.15, suggesting a potential upside of 18.89%. Peloton Interactive has a consensus price target of $7.94, suggesting a potential upside of 41.11%. Given Peloton Interactive's higher possible 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)
7 Hold rating(s)
22 Buy rating(s)
2 Strong Buy rating(s)
2.84
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 3.71, meaning that its stock price is 271% more volatile than the broader market. Comparatively, Peloton Interactive has a beta of 2.52, meaning that its stock price is 152% more volatile than the broader market.

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 large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Affirm has a net margin of 9.63% compared to Peloton Interactive's net margin of 2.58%. Affirm's return on equity of 11.17% beat Peloton Interactive's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
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 better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, earnings, institutional ownership, valuation, dividends, profitability and media sentiment.

PayPal has a net margin of 14.36% compared to Affirm's net margin of 9.63%. PayPal's return on equity of 24.39% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
PayPal 14.36%24.39%6.06%

In the previous week, PayPal had 34 more articles in the media than Affirm. MarketBeat recorded 46 mentions for PayPal and 12 mentions for Affirm. PayPal's average media sentiment score of 0.89 beat Affirm's score of 0.77 indicating that PayPal is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
4 Very Positive mention(s)
2 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
PayPal
26 Very Positive mention(s)
9 Positive mention(s)
5 Neutral mention(s)
4 Negative mention(s)
1 Very Negative mention(s)
Positive

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 company insiders. Comparatively, 0.6% of PayPal 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.

Affirm currently has a consensus target price of $93.15, suggesting a potential upside of 18.89%. PayPal has a consensus target price of $55.72, suggesting a potential downside of 9.64%. Given Affirm's stronger consensus rating and higher probable upside, equities 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)
7 Hold rating(s)
22 Buy rating(s)
2 Strong Buy rating(s)
2.84
PayPal
4 Sell rating(s)
34 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.11

Affirm has a beta of 3.71, meaning that its share price is 271% more volatile than the broader market. Comparatively, PayPal has a beta of 1.3, meaning that its share price is 30% 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$3.24B8.09$52.19M$1.1071.23
PayPal$33.17B1.59$5.23B$5.2911.66

Summary

Affirm beats PayPal on 9 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

MetricAffirmFinancial Services IndustryFinance SectorNASDAQ Exchange
Market Cap$26.24B$27.45B$14.16B$13.07B
Dividend YieldN/A5.90%5.87%10.45%
P/E Ratio71.2318.5629.3425.38
Price / Sales8.09416.97514.3179.38
Price / Cash329.89139.2237.4950.90
Price / Book8.303.083.716.25
Net Income$52.19M$1.09B$1.31B$347.82M
7 Day Performance4.12%0.86%0.77%1.08%
1 Month Performance-4.11%-0.99%1.56%0.82%
1 Year Performance-0.47%-10.72%12.52%20.99%

Affirm Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
AFRM
Affirm
4.1253 of 5 stars
$78.35
+0.0%
$93.15
+18.9%
+1.7%$26.24B$3.24B71.232,206
AAPL
Apple
4.5691 of 5 stars
$304.91
-1.1%
$328.60
+7.8%
+31.4%$4.45T$416.16B34.97166,000
AMZN
Amazon.com
4.9766 of 5 stars
$272.27
-2.1%
$322.56
+18.5%
+13.7%$2.94T$716.92B21.901,576,000
MQ
Marqeta
3.9991 of 5 stars
$15.57
-0.2%
$19.75
+26.8%
-33.9%$1.65B$624.88M141.55960
PTON
Peloton Interactive
3.8296 of 5 stars
$5.60
+1.6%
$7.94
+41.9%
-33.7%$2.42B$2.45B46.671,736

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This page (NASDAQ:AFRM) was last updated on 8/15/2026 by MarketBeat.com Staff.
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