AFRM vs. CME: Affirm vs. CME Stock Comparison

Company Profile

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

CME (CME) has more than two decades of public-market history since December 6, 2002, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Affirm (AFRM) has a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, while CME (CME) is defensive at 0.16 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while CME (CME) at 16.13% is closer to the peer norm — stronger capital efficiency for AFRM.

CME (CME) at 63.48% keeps the most of each sales dollar — above its industry’s net margin range — and Affirm (AFRM) at 43.86% also retains a top-quartile share.

CME (CME) at 65.85% operates in the top operating margin quartile, ahead of Affirm (AFRM) at 14.82%, which runs around its industry’s norm.

Profitability Metrics

Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while CME (CME) at 6.37% is closer to the peer norm — faster top-line expansion for AFRM.

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than CME (CME) at 15.41%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and CME (CME) 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-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and CME (CME) 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

Dividends

Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile CME (CME) reports a yield of 1.68%, ranking against industry peers normally.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile CME (CME) reports a payout of 92.62%, ranking against industry peers normally.

Dividend Metrics

Valuation

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while CME (CME) at 25.07 sits in the richer quartile — CME needs stronger growth or earnings quality to justify the premium.

Both look expensive on sales: Affirm (AFRM) at 5.03 sits in the upper P/S ratio quartile, and CME (CME) at 15.74 prices even higher, above its industry range.

Both Affirm (AFRM) at 4.01 and CME (CME) at 4.12 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics