AFRM vs. CACI: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFRM and CACI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | AFRM | CACI |
|---|---|---|
| Company Name | Affirm Holdings, Inc. | CACI International Inc |
| Country | United States | United States |
| GICS Sector | Financials | Industrials |
| GICS Industry | Financial Services | Professional Services |
| Market Capitalization | 21.25 billion USD | 13.25 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | January 13, 2021 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of AFRM and CACI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | AFRM | CACI |
|---|---|---|
| 5-Day Price Return | -11.30% | 0.71% |
| 13-Week Price Return | -16.04% | 22.42% |
| 26-Week Price Return | 20.94% | 24.50% |
| 52-Week Price Return | -2.22% | 33.82% |
| Month-to-Date Return | -12.99% | 5.82% |
| Year-to-Date Return | 2.69% | 47.26% |
| 10-Day Avg. Volume | 6.94M | 0.21M |
| 3-Month Avg. Volume | 6.91M | 0.24M |
| 3-Month Volatility | 67.57% | 33.17% |
| Beta | 3.61 | 0.54 |
Profitability
Return on Equity (TTM)
AFRM
7.75%
Financial Services Industry
- Max
- 34.42%
- Q3
- 16.76%
- Median
- 9.18%
- Q1
- 3.90%
- Min
- -10.16%
AFRM’s Return on Equity of 7.75% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
CACI
13.14%
Professional Services Industry
- Max
- 50.82%
- Q3
- 32.98%
- Median
- 21.73%
- Q1
- 12.35%
- Min
- -10.69%
CACI’s Return on Equity of 13.14% is on par with the norm for the Professional Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
AFRM
6.74%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.33%
- Median
- 13.11%
- Q1
- 7.04%
- Min
- -8.99%
Falling into the lower quartile for the Financial Services industry, AFRM’s Net Profit Margin of 6.74% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
CACI
5.69%
Professional Services Industry
- Max
- 27.86%
- Q3
- 14.27%
- Median
- 7.71%
- Q1
- 4.47%
- Min
- -9.49%
CACI’s Net Profit Margin of 5.69% is aligned with the median group of its peers in the Professional Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
AFRM
4.96%
Financial Services Industry
- Max
- 81.07%
- Q3
- 40.32%
- Median
- 19.93%
- Q1
- 10.20%
- Min
- -34.40%
AFRM’s Operating Profit Margin of 4.96% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
CACI
8.99%
Professional Services Industry
- Max
- 35.71%
- Q3
- 19.52%
- Median
- 12.30%
- Q1
- 7.86%
- Min
- -1.29%
CACI’s Operating Profit Margin of 8.99% is around the midpoint for the Professional Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFRM | CACI |
|---|---|---|
| Return on Equity (TTM) | 7.75% | 13.14% |
| Return on Assets (TTM) | 2.14% | 5.85% |
| Net Profit Margin (TTM) | 6.74% | 5.69% |
| Operating Profit Margin (TTM) | 4.96% | 8.99% |
| Gross Profit Margin (TTM) | 92.50% | 32.63% |
Financial Strength
Current Ratio (MRQ)
AFRM
4.58
Financial Services Industry
- Max
- 4.36
- Q3
- 2.26
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
CACI
1.54
Professional Services Industry
- Max
- 2.45
- Q3
- 1.69
- Median
- 1.33
- Q1
- 1.10
- Min
- 0.47
CACI’s Current Ratio of 1.54 aligns with the median group of the Professional Services industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio (MRQ)
AFRM
2.35
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.55
- Q1
- 0.11
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
CACI
0.69
Professional Services Industry
- Max
- 2.55
- Q3
- 1.54
- Median
- 0.94
- Q1
- 0.45
- Min
- 0.00
CACI’s Debt-to-Equity Ratio of 0.69 is typical for the Professional Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio (TTM)
AFRM
-3.76
Financial Services Industry
- Max
- 140.54
- Q3
- 57.67
- Median
- 6.72
- Q1
- 1.93
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
CACI
4.81
Professional Services Industry
- Max
- 39.45
- Q3
- 20.05
- Median
- 11.35
- Q1
- 5.46
- Min
- -1.21
In the lower quartile for the Professional Services industry, CACI’s Interest Coverage Ratio of 4.81 indicates a tighter cushion for servicing debt, suggesting less financial flexibility than many of its competitors.
Financial Strength at a Glance
| Symbol | AFRM | CACI |
|---|---|---|
| Current Ratio (MRQ) | 4.58 | 1.54 |
| Quick Ratio (MRQ) | 4.49 | 1.30 |
| Debt-to-Equity Ratio (MRQ) | 2.35 | 0.69 |
| Interest Coverage Ratio (TTM) | -3.76 | 4.81 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 7.52%
- Q3
- 3.60%
- Median
- 1.75%
- Q1
- 0.00%
- Min
- 0.00%
AFRM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
CACI
0.00%
Professional Services Industry
- Max
- 4.35%
- Q3
- 2.86%
- Median
- 1.57%
- Q1
- 0.72%
- Min
- 0.00%
CACI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 17.51%
- Q1
- 0.00%
- Min
- 0.00%
AFRM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
CACI
0.00%
Professional Services Industry
- Max
- 99.60%
- Q3
- 69.06%
- Median
- 43.41%
- Q1
- 19.44%
- Min
- 0.00%
CACI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | AFRM | CACI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
AFRM
91.17
Financial Services Industry
- Max
- 46.13
- Q3
- 28.79
- Median
- 13.18
- Q1
- 9.14
- Min
- 0.47
At 91.17, AFRM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
CACI
26.04
Professional Services Industry
- Max
- 52.91
- Q3
- 32.20
- Median
- 25.00
- Q1
- 17.95
- Min
- 6.60
CACI’s P/E Ratio of 26.04 is within the middle range for the Professional Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
AFRM
6.14
Financial Services Industry
- Max
- 9.71
- Q3
- 4.81
- Median
- 2.49
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
CACI
1.48
Professional Services Industry
- Max
- 8.52
- Q3
- 4.25
- Median
- 2.07
- Q1
- 0.84
- Min
- 0.18
CACI’s P/S Ratio of 1.48 aligns with the market consensus for the Professional Services industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
AFRM
7.21
Financial Services Industry
- Max
- 7.21
- Q3
- 3.51
- Median
- 1.52
- Q1
- 0.88
- Min
- 0.08
AFRM’s P/B Ratio of 7.21 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
CACI
2.73
Professional Services Industry
- Max
- 18.65
- Q3
- 9.28
- Median
- 6.16
- Q1
- 2.96
- Min
- 0.53
CACI’s P/B Ratio of 2.73 is in the lower quartile for the Professional Services industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | AFRM | CACI |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 91.17 | 26.04 |
| Price-to-Sales Ratio (TTM) | 6.14 | 1.48 |
| Price-to-Book Ratio (MRQ) | 7.21 | 2.73 |
| Price-to-Free Cash Flow Ratio (TTM) | 27.63 | 21.46 |