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AFRM vs. CG: Affirm vs. Carlyle Stock Comparison

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

Company profile comparison for Affirm (AFRM) and Carlyle (CG)
Profile ItemAFRMCG
NameAffirm Holdings, Inc.The Carlyle Group 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 USD14.04 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateJanuary 13, 2021May 3, 2012
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFRM
CG
GSPC
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Affirm (AFRM) vs. Carlyle (CG), 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 Carlyle (CG). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Affirm (AFRM) and Carlyle (CG)
MetricAFRMCG
Total Return (1Y)-6.89%-17.79%
Total Return (3Y, Annualized)40.23%15.29%
Total Return (5Y, Annualized)-15.36%-3.77%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Affirm (AFRM) and Carlyle (CG)
MetricAFRMCG
Volatility (1Y, Annualized)58.20%37.89%
Beta (5Y)3.701.82
Max Drawdown (5Y)-94.35%-56.75%
Avg. Volume (3M)4.46M3.48M

Risk-Adjusted Performance

Risk-Return Positioning

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AFRM and CG 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 Carlyle (CG)
MetricAFRMCG
Sharpe Ratio (1Y)-0.19-0.58
Sortino Ratio (1Y)-0.28-0.81

Profitability

ROE (TTM)

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Carlyle (CG) at 5.23% 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%

CG

Financial Services industry group

5.23%

Max
44.78%
Q3
21.85%
Median
12.91%
CG
5.23%
Q1
4.48%
Min
-18.71%
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Affirm (AFRM) vs. Carlyle (CG): 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 Carlyle (CG) at 12.81%, 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%

CG

Financial Services industry group

12.81%

Max
62.84%
Q3
28.05%
Median
15.36%
CG
12.81%
Q1
4.82%
Min
-28.52%
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Carlyle (CG) reports a negative operating margin of -52.93%, 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%

CG

Financial Services industry group

-52.93%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
CG
-52.93%
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and Carlyle (CG)
MetricAFRMCG
ROE (TTM)44.49%5.23%
ROA (TTM)2.42%1.27%
Net Margin (TTM)43.86%12.81%
Operating Margin (TTM)14.82%-52.93%
Gross Margin (TTM)----

Growth

Revenue Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Carlyle (CG) at -5.56% is in the bottom quartile, showing a clear gap in revenue momentum.

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Affirm (AFRM) vs. Carlyle (CG): 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 Carlyle (CG) at -21.30%, which is closer to a typical peer reading.

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

Growth Metrics

Growth metrics for Affirm (AFRM) and Carlyle (CG)
MetricAFRMCG
Revenue Growth (YoY)32.15%-5.56%
Revenue Growth (3Y CAGR)38.96%-1.43%
EPS Growth (YoY)3,586.67%-21.30%
EPS Growth (3Y CAGR)---13.34%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Carlyle (CG) 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 Carlyle (CG) 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 Carlyle (CG)
MetricAFRMCG
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 Carlyle (CG) reports a yield of 3.50%, 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%

CG

Financial Services industry group

3.50%

Max
9.77%
Q3
3.92%
CG
3.50%
Median
1.09%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Carlyle (CG) reports payout ratio above 100% at 147.37%, 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%

CG

Financial Services industry group

147.37%

Max
241.07%
CG
147.37%
Q3
97.36%
Median
25.77%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and Carlyle (CG)
MetricAFRMCG
Dividend Yield (TTM)0.00%3.50%
Dividend Payout Ratio (TTM)0.00%147.37%

Valuation

P/E Ratio (TTM)

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Carlyle (CG) at 40.93 sits in the richer quartile — CG 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

CG

Financial Services industry group

40.93

Max
45.85
CG
40.93
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Affirm (AFRM) at 5.03 and Carlyle (CG) at 5.06 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

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

CG

Financial Services industry group

5.06

Max
9.23
CG
5.06
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Carlyle (CG) at 2.81 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

CG

Financial Services industry group

2.81

Max
7.79
Q3
3.63
CG
2.81
Median
1.57
Q1
0.81
Min
-0.39
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Affirm (AFRM) vs. Carlyle (CG): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and Carlyle (CG)
MetricAFRMCG
P/E Ratio (TTM)11.8040.93
P/S Ratio (TTM)5.035.06
P/B Ratio (MRQ)4.012.81
Free Cash Flow Yield (TTM)----