AFRM vs. DB: Affirm vs. Deutsche Bank Stock Comparison

Company Profile

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

Deutsche Bank (DB) has more than two decades of public-market history since November 18, 1996, 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) carries a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, whereas Deutsche Bank (DB) is closer to market-like at 1.04 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Deutsche Bank (DB) at 8.98% is closer to the peer norm — stronger capital efficiency for AFRM.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Deutsche Bank (DB) at 22.67%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Deutsche Bank (DB) at 33.58% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Deutsche Bank (DB) at 6.83% is closer to the peer norm — faster top-line expansion for AFRM.

Both companies show strong earnings momentum, but Affirm (AFRM) at 3,586.67% is the standout with EPS growth above its industry range; Deutsche Bank (DB) at 130.39% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Deutsche Bank (DB) 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 Deutsche Bank (DB) 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 Deutsche Bank (DB) reports a yield of 2.75%, 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 Deutsche Bank (DB) reports a payout of 30.04%, ranking against industry peers normally.

Dividend Metrics

Valuation

Deutsche Bank (DB) at 9.00 sits in the cheaper P/E ratio quartile, while Affirm (AFRM) at 11.80 is closer to its industry’s usual earnings multiple — a discount for DB, though growth and earnings durability still matter.

Deutsche Bank (DB) at 2.11 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.

Deutsche Bank (DB) at 0.72 looks cheap against book in the lower P/B ratio quartile, while Affirm (AFRM) at 4.01 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics