AFRM vs. BEN: Affirm vs. Franklin Templeton Stock Comparison
How do Affirm (AFRM) and Franklin Templeton (BEN) 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 Franklin Templeton (BEN) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while BEN is classified in Capital Markets.
Franklin Templeton (BEN) has more than two decades of public-market history since September 23, 1983, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.
| Profile Item | AFRM | BEN |
|---|---|---|
| Name | Affirm Holdings, Inc. | Franklin Templeton Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Asset Management & Custody Banks |
| Market Capitalization | 23.09 billion USD | 17.29 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | January 13, 2021 | September 23, 1983 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFRM | BEN |
|---|---|---|
| Total Return (1Y) | -6.89% | 70.17% |
| Total Return (3Y, Annualized) | 40.23% | 22.48% |
| Total Return (5Y, Annualized) | -15.36% | 5.29% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFRM | BEN |
|---|---|---|
| Volatility (1Y, Annualized) | 58.20% | 29.18% |
| Beta (5Y) | 3.70 | 1.52 |
| Max Drawdown (5Y) | -94.35% | -45.39% |
| Avg. Volume (3M) | 4.46M | 3.70M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFRM | BEN |
|---|---|---|
| Sharpe Ratio (1Y) | -0.19 | 2.26 |
| Sortino Ratio (1Y) | -0.28 | 3.55 |
Profitability
ROE (TTM)
Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Franklin Templeton (BEN) at 10.51% is closer to the peer norm — stronger capital efficiency for AFRM.
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%
BEN
Financial Services industry group
10.51%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- BEN
- 10.51%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Franklin Templeton (BEN) at 11.42%, which keeps about the industry-typical share.
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%
BEN
Financial Services industry group
11.42%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- BEN
- 11.42%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Affirm (AFRM) at 14.82% and Franklin Templeton (BEN) at 14.61% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
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%
BEN
Financial Services industry group
14.61%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- BEN
- 14.61%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AFRM | BEN |
|---|---|---|
| ROE (TTM) | 44.49% | 10.51% |
| ROA (TTM) | 2.42% | -- |
| Net Margin (TTM) | 43.86% | 11.42% |
| Operating Margin (TTM) | 14.82% | 14.61% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Only one side can be read here: Affirm (AFRM) reports revenue growth of 32.15%, ranked against its industry; Franklin Templeton (BEN) has no revenue growth figure this period.
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; Franklin Templeton (BEN) at 116.48% also sits in the top quartile.
Growth Metrics
| Metric | AFRM | BEN |
|---|---|---|
| Revenue Growth (YoY) | 32.15% | -- |
| Revenue Growth (3Y CAGR) | 38.96% | -- |
| EPS Growth (YoY) | 3,586.67% | 116.48% |
| EPS Growth (3Y CAGR) | -- | 4.63% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Franklin Templeton (BEN) 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 Franklin Templeton (BEN) 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 | BEN |
|---|---|---|
| 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 Franklin Templeton (BEN) reports a yield of 4.10%, 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%
BEN
Financial Services industry group
4.10%
- Max
- 9.77%
- BEN
- 4.10%
- Q3
- 3.92%
- 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 Franklin Templeton (BEN) reports a payout of 89.12%, 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%
BEN
Financial Services industry group
89.12%
- Max
- 241.07%
- Q3
- 97.36%
- BEN
- 89.12%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFRM | BEN |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 4.10% |
| Dividend Payout Ratio (TTM) | 0.00% | 89.12% |
Valuation
P/E Ratio (TTM)
Both Affirm (AFRM) at 11.80 and Franklin Templeton (BEN) at 17.12 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
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
BEN
Financial Services industry group
17.12
- Max
- 45.85
- Q3
- 24.64
- BEN
- 17.12
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Franklin Templeton (BEN) at 1.84 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
BEN
Financial Services industry group
1.84
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- BEN
- 1.84
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Franklin Templeton (BEN) at 1.46 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
BEN
Financial Services industry group
1.46
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- BEN
- 1.46
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AFRM | BEN |
|---|---|---|
| P/E Ratio (TTM) | 11.80 | 17.12 |
| P/S Ratio (TTM) | 5.03 | 1.84 |
| P/B Ratio (MRQ) | 4.01 | 1.46 |
| Free Cash Flow Yield (TTM) | -- | -- |