AFRM vs. APO: Affirm vs. Apollo Global Management Stock Comparison
How do Affirm (AFRM) and Apollo Global Management (APO) 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 Apollo Global Management (APO) both belong to the Financial Services industry, though AFRM is classified under Transaction & Payment Processing Services while APO falls under Diversified Financial Services.
| Profile Item | AFRM | APO |
|---|---|---|
| Name | Affirm Holdings, Inc. | Apollo Global Management Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Financial Services |
| GICS Sub-Industry | Transaction & Payment Processing Services | Diversified Financial Services |
| Market Capitalization | 23.09 billion USD | 68.93 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | January 13, 2021 | March 30, 2011 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFRM | APO |
|---|---|---|
| Total Return (1Y) | -6.89% | -6.67% |
| Total Return (3Y, Annualized) | 40.23% | 14.75% |
| Total Return (5Y, Annualized) | -15.36% | 11.91% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFRM | APO |
|---|---|---|
| Volatility (1Y, Annualized) | 58.20% | 37.21% |
| Beta (5Y) | 3.70 | 1.47 |
| Max Drawdown (5Y) | -94.35% | -42.82% |
| Avg. Volume (3M) | 4.46M | 3.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFRM | APO |
|---|---|---|
| Sharpe Ratio (1Y) | -0.19 | -0.29 |
| Sortino Ratio (1Y) | -0.28 | -0.42 |
Profitability
ROE (TTM)
Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Apollo Global Management (APO) at 1.89% 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%
APO
Financial Services industry group
1.89%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- APO
- 1.89%
- Min
- -18.71%
Net Margin (TTM)
Apollo Global Management (APO) reports a negative net margin of -3.01%, usually indicating a net loss over the period. Meanwhile Affirm (AFRM) reports 43.86%, ranking against industry peers normally.
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%
APO
Financial Services industry group
-3.01%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- APO
- -3.01%
- Min
- -28.52%
Operating Margin (TTM)
Apollo Global Management (APO) reports a negative operating margin of -44.34%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile Affirm (AFRM) reports 14.82%, ranking against industry peers normally.
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%
APO
Financial Services industry group
-44.34%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- APO
- -44.34%
- Min
- -44.34%
Profitability Metrics
| Metric | AFRM | APO |
|---|---|---|
| ROE (TTM) | 44.49% | 1.89% |
| ROA (TTM) | 2.42% | 0.15% |
| Net Margin (TTM) | 43.86% | -3.01% |
| Operating Margin (TTM) | 14.82% | -44.34% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Apollo Global Management (APO) at 22.73% is closer to the peer norm — faster top-line expansion for AFRM.
EPS Growth
Affirm (AFRM) at 3,586.67% delivers above-range EPS growth, while Apollo Global Management (APO) at -24.42% falls into the bottom quartile — a wide split in earnings momentum.
Growth Metrics
| Metric | AFRM | APO |
|---|---|---|
| Revenue Growth (YoY) | 32.15% | 22.73% |
| Revenue Growth (3Y CAGR) | 38.96% | 42.96% |
| EPS Growth (YoY) | 3,586.67% | -24.42% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Apollo Global Management (APO) 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 Apollo Global Management (APO) 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
| Metric | AFRM | APO |
|---|---|---|
| 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 Apollo Global Management (APO) reports a yield of 1.87%, 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%
APO
Financial Services industry group
1.87%
- Max
- 9.77%
- Q3
- 3.92%
- APO
- 1.87%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Apollo Global Management (APO) reports a payout of 75.00%, ranking against industry peers normally.
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%
APO
Financial Services industry group
75.00%
- Max
- 241.07%
- Q3
- 97.36%
- APO
- 75.00%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFRM | APO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.87% |
| Dividend Payout Ratio (TTM) | 0.00% | 75.00% |
Valuation
P/E Ratio (TTM)
An earnings multiple is available for just one side: Affirm (AFRM) trades at 11.80 times trailing earnings, ranked against its peers, while Apollo Global Management (APO) has no P/E ratio this period.
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
APO
Financial Services industry group
--
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
- APO
- --
P/S Ratio (TTM)
Apollo Global Management (APO) at 2.26 is priced about in line with its industry on P/S ratio, while Affirm (AFRM) at 5.03 sits in the pricier quartile — AFRM costs more per dollar of sales.
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
APO
Financial Services industry group
2.26
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- APO
- 2.26
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both Affirm (AFRM) at 4.01 and Apollo Global Management (APO) at 4.32 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.
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
APO
Financial Services industry group
4.32
- Max
- 7.79
- APO
- 4.32
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AFRM | APO |
|---|---|---|
| P/E Ratio (TTM) | 11.80 | -- |
| P/S Ratio (TTM) | 5.03 | 2.26 |
| P/B Ratio (MRQ) | 4.01 | 4.32 |
| Free Cash Flow Yield (TTM) | -- | -- |