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AFRM vs. BX: Affirm vs. Blackstone Stock Comparison

How do Affirm (AFRM) and Blackstone (BX) 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 Blackstone (BX) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while BX is classified in Capital Markets.

Company profile comparison for Affirm (AFRM) and Blackstone (BX)
Profile ItemAFRMBX
NameAffirm Holdings, Inc.Blackstone Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesAsset Management & Custody Banks
Market Capitalization23.09 billion USD148.61 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJanuary 13, 2021June 22, 2007
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFRM
BX
GSPC
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Affirm (AFRM) vs. Blackstone (BX), 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 Blackstone (BX). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Affirm (AFRM) and Blackstone (BX)
MetricAFRMBX
Total Return (1Y)-6.89%-11.29%
Total Return (3Y, Annualized)40.23%12.22%
Total Return (5Y, Annualized)-15.36%0.26%

Risk Profile

Drawdown History

AFRM
BX
GSPC
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Affirm (AFRM) vs. Blackstone (BX), 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 Blackstone (BX). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Affirm (AFRM) and Blackstone (BX)
MetricAFRMBX
Volatility (1Y, Annualized)58.20%38.63%
Beta (5Y)3.701.50
Max Drawdown (5Y)-94.35%-49.29%
Avg. Volume (3M)4.46M4.75M

Risk-Adjusted Performance

Risk-Return Positioning

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AFRM and BX 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 Blackstone (BX)
MetricAFRMBX
Sharpe Ratio (1Y)-0.19-0.40
Sortino Ratio (1Y)-0.28-0.57

Profitability

ROE (TTM)

Both Affirm (AFRM) at 44.49% and Blackstone (BX) at 32.38% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

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%

BX

Financial Services industry group

32.38%

Max
44.78%
BX
32.38%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Blackstone (BX) at 22.99%, 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%

BX

Financial Services industry group

22.99%

Max
62.84%
Q3
28.05%
BX
22.99%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Affirm (AFRM) at 14.82% and Blackstone (BX) at 48.86% 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%

BX

Financial Services industry group

48.86%

Max
107.33%
Q3
55.90%
BX
48.86%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and Blackstone (BX)
MetricAFRMBX
ROE (TTM)44.49%32.38%
ROA (TTM)2.42%14.27%
Net Margin (TTM)43.86%22.99%
Operating Margin (TTM)14.82%48.86%
Gross Margin (TTM)----

Growth

Revenue Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Blackstone (BX) at 13.54% is closer to the peer norm — faster top-line expansion for AFRM.

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

EPS Growth

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Blackstone (BX) at 6.91%, which is closer to a typical peer reading.

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

Growth Metrics

Growth metrics for Affirm (AFRM) and Blackstone (BX)
MetricAFRMBX
Revenue Growth (YoY)32.15%13.54%
Revenue Growth (3Y CAGR)38.96%20.27%
EPS Growth (YoY)3,586.67%6.91%
EPS Growth (3Y CAGR)--17.92%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Blackstone (BX) 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 Blackstone (BX) 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 Blackstone (BX)
MetricAFRMBX
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 Blackstone (BX) reports a yield of 4.22%, 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%

BX

Financial Services industry group

4.22%

Max
9.77%
BX
4.22%
Q3
3.92%
Median
1.09%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Blackstone (BX) reports payout ratio above 100% at 111.19%, 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%

BX

Financial Services industry group

111.19%

Max
241.07%
BX
111.19%
Q3
97.36%
Median
25.77%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and Blackstone (BX)
MetricAFRMBX
Dividend Yield (TTM)0.00%4.22%
Dividend Payout Ratio (TTM)0.00%111.19%

Valuation

P/E Ratio (TTM)

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Blackstone (BX) at 26.61 sits in the richer quartile — BX needs stronger growth or earnings quality to justify the premium.

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

BX

Financial Services industry group

26.61

Max
45.85
BX
26.61
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Affirm (AFRM) vs. Blackstone (BX): 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 Blackstone (BX) at 9.61 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

BX

Financial Services industry group

9.61

BX
9.61
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Affirm (AFRM) at 4.01 sits in the upper P/B ratio quartile, and Blackstone (BX) at 10.81 prices even higher, above its industry range.

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

BX

Financial Services industry group

10.81

BX
10.81
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Affirm (AFRM) vs. Blackstone (BX): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and Blackstone (BX)
MetricAFRMBX
P/E Ratio (TTM)11.8026.61
P/S Ratio (TTM)5.039.61
P/B Ratio (MRQ)4.0110.81
Free Cash Flow Yield (TTM)----