AFRM vs. EQH: Affirm vs. Equitable Stock Comparison

Company Profile

Affirm (AFRM) and Equitable (EQH) both belong to the Financial Services industry, though AFRM is classified under Transaction & Payment Processing Services while EQH falls under Diversified Financial Services.

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 Equitable (EQH) 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

Both companies show strong equity returns, but Equitable (EQH) at 171.08% is the standout with ROE above its industry range; Affirm (AFRM) at 44.49% also sits in the top quartile.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Equitable (EQH) at 11.52%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Equitable (EQH) at 37.18% 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 Equitable (EQH) at -6.12% is in the bottom quartile, showing a clear gap in revenue momentum.

Affirm (AFRM) at 3,586.67% sits above its peer range for EPS growth; Equitable (EQH) at -227.78% sits below its range, putting their earnings trajectories at opposite ends.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Equitable (EQH) 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 Equitable (EQH) 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 Equitable (EQH) reports a yield of 0.51%, 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 Equitable (EQH) reports a payout of 22.49%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Affirm (AFRM) at 11.80 and Equitable (EQH) at 10.39 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Equitable (EQH) at 1.08 looks cheap on sales in the lower P/S ratio quartile, while Affirm (AFRM) at 5.03 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

Equitable (EQH) reports a negative P/B ratio of -4.92, meaning negative book equity — the multiple itself is not meaningful for valuation. Meanwhile Affirm (AFRM) reports 4.01, ranking against industry peers normally.

Valuation Metrics