AFRM vs. AGNC: Affirm vs. AGNC Investment Stock Comparison

November 11, 2026

How do Affirm (AFRM) and AGNC Investment (AGNC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Affirm (AFRM) and AGNC Investment (AGNC) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while AGNC is classified in Mortgage Real Estate Investment Trusts (REITs).

Affirm (AFRM) is an ordinary operating company, while AGNC Investment (AGNC) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to AFRM’s multiples.

Company profile comparison for Affirm (AFRM) and AGNC Investment (AGNC)
Profile Item	AFRM	AGNC
Name	Affirm Holdings, Inc.	AGNC Investment Corp.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Mortgage Real Estate Investment Trusts (REITs)
GICS Sub-Industry	Transaction & Payment Processing Services	Mortgage REITs
Market Capitalization	23.09 billion USD	11.18 billion USD
Currency	USD	USD
Exchange	Nasdaq	Nasdaq
Listing Date	January 13, 2021	May 15, 2008
Security Type	Common Stock	REIT

Price Performance

Cumulative Growth

AFRM

AGNC

GSPC

Affirm (AFRM) vs. AGNC Investment (AGNC), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Affirm (AFRM) and AGNC Investment (AGNC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Affirm (AFRM) and AGNC Investment (AGNC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
Total Return (1Y)	-6.89%	-1.36%
Total Return (3Y, Annualized)	40.23%	18.48%
Total Return (5Y, Annualized)	-15.36%	2.31%

Risk Profile

Drawdown History

AFRM

AGNC

GSPC

Affirm (AFRM) vs. AGNC Investment (AGNC), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Affirm (AFRM) and AGNC Investment (AGNC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
Volatility (1Y, Annualized)	58.20%	22.24%
Beta (5Y)	3.70	1.37
Max Drawdown (5Y)	-94.35%	-49.02%
Avg. Volume (3M)	4.46M	28.79M

Risk-Adjusted Performance

Risk-Return Positioning

AFRM and AGNC are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
Sharpe Ratio (1Y)	-0.19	-0.25
Sortino Ratio (1Y)	-0.28	-0.36

Profitability

ROE (TTM)

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while AGNC Investment (AGNC) at 0.90% is in the bottom quartile, showing a clear gap in returns on equity.

AFRM

Financial Services industry group

44.49%

Max: 44.78%
AFRM: 44.49%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

AGNC

Financial Services industry group

0.90%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
AGNC: 0.90%
Min: -18.71%

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Affirm (AFRM) at 43.86% and AGNC Investment (AGNC) at 43.64% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

AFRM

Financial Services industry group

43.86%

Max: 62.84%
AFRM: 43.86%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

AGNC

Financial Services industry group

43.64%

Max: 62.84%
AGNC: 43.64%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

AGNC Investment (AGNC) at 102.11% operates in the top operating margin quartile, ahead of Affirm (AFRM) at 14.82%, which runs around its industry’s norm.

AFRM

Financial Services industry group

14.82%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
AFRM: 14.82%
Q1: 14.60%
Min: -44.34%

AGNC

Financial Services industry group

102.11%

Max: 107.33%
AGNC: 102.11%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
ROE (TTM)	44.49%	0.90%
ROA (TTM)	2.42%	0.09%
Net Margin (TTM)	43.86%	43.64%
Operating Margin (TTM)	14.82%	102.11%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both companies are growing quickly, but AGNC Investment (AGNC) at 84.69% is the standout with revenue growth above its industry range; Affirm (AFRM) at 32.15% also sits in the top quartile.

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both companies show strong earnings momentum, but Affirm (AFRM) at 3,586.67% is the standout with EPS growth above its industry range; AGNC Investment (AGNC) at 58.06% also sits in the top quartile.

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
Revenue Growth (YoY)	32.15%	84.69%
Revenue Growth (3Y CAGR)	38.96%	--
EPS Growth (YoY)	3,586.67%	58.06%
EPS Growth (3Y CAGR)	--	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and AGNC Investment (AGNC) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and AGNC Investment (AGNC) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile AGNC Investment (AGNC) reports a yield of 16.33%, ranking against industry peers normally.

AFRM

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
AFRM: 0.00%
Q1: 0.00%
Min: 0.00%

AGNC

Financial Services industry group

16.33%

AGNC: 16.33%
Max: 9.77%
Q3: 3.92%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

AGNC Investment (AGNC) reports payout ratio above 100% at 7,200.00%, meaning dividends exceeded current-period earnings; Affirm (AFRM) pays no dividend (payout 0.00%).

AFRM

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
AFRM: 0.00%
Q1: 0.00%
Min: 0.00%

AGNC

Financial Services industry group

7,200.00%

AGNC: 7,200.00%
Max: 241.07%
Q3: 97.36%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
Dividend Yield (TTM)	0.00%	16.33%
Dividend Payout Ratio (TTM)	0.00%	7,200.00%

Valuation

P/E Ratio (TTM)

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while AGNC Investment (AGNC) at 439.00 sits above its peer range — an unusually expensive price for AGNC’s trailing earnings.

AFRM

Financial Services industry group

11.80

Max: 45.85
Q3: 24.64
Median: 15.37
AFRM: 11.80
Q1: 9.68
Min: 0.16

AGNC

Financial Services industry group

439.00

AGNC: 439.00
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both look expensive on sales: Affirm (AFRM) at 5.03 sits in the upper P/S ratio quartile, and AGNC Investment (AGNC) at 47.39 prices even higher, above its industry range.

AFRM

Financial Services industry group

5.03

Max: 9.23
AFRM: 5.03
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

AGNC

Financial Services industry group

47.39

AGNC: 47.39
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

AGNC Investment (AGNC) at 1.15 is valued about in line with its industry on P/B ratio, while Affirm (AFRM) at 4.01 carries an above-peer premium to book — AFRM is pricier on assets.

AFRM

Financial Services industry group

4.01

Max: 7.79
AFRM: 4.01
Q3: 3.63
Median: 1.57
Q1: 0.81
Min: -0.39

AGNC

Financial Services industry group

1.15

Max: 7.79
Q3: 3.63
Median: 1.57
AGNC: 1.15
Q1: 0.81
Min: -0.39

Affirm (AFRM) vs. AGNC Investment (AGNC): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and AGNC Investment (AGNC)
Metric	AFRM	AGNC
P/E Ratio (TTM)	11.80	439.00
P/S Ratio (TTM)	5.03	47.39
P/B Ratio (MRQ)	4.01	1.15
Free Cash Flow Yield (TTM)	--	--