AFRM vs. FICO: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFRM and FICO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | AFRM | FICO |
|---|---|---|
| Company Name | Affirm Holdings, Inc. | Fair Isaac Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Financial Services | Software |
| Market Capitalization | 23.54 billion USD | 32.26 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | January 13, 2021 | July 22, 1987 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of AFRM and FICO 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 | FICO |
|---|---|---|
| 5-Day Price Return | -4.95% | 1.97% |
| 13-Week Price Return | 40.50% | -39.07% |
| 26-Week Price Return | -2.38% | -25.44% |
| 52-Week Price Return | 159.61% | -23.36% |
| Month-to-Date Return | 7.73% | -6.45% |
| Year-to-Date Return | 21.28% | -32.49% |
| 10-Day Avg. Volume | 5.47M | 0.34M |
| 3-Month Avg. Volume | 6.45M | 0.31M |
| 3-Month Volatility | 52.09% | 56.81% |
| Beta | 3.68 | 1.38 |
Profitability
Return on Equity (TTM)
AFRM
-2.22%
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
AFRM has a negative Return on Equity of -2.22%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
FICO
145.71%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
FICO’s Return on Equity of 145.71% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
Net Profit Margin (TTM)
AFRM
-2.33%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
AFRM has a negative Net Profit Margin of -2.33%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
FICO
32.80%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
A Net Profit Margin of 32.80% places FICO in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
AFRM
-5.22%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
AFRM has a negative Operating Profit Margin of -5.22%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
FICO
45.87%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
An Operating Profit Margin of 45.87% places FICO in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AFRM | FICO |
|---|---|---|
| Return on Equity (TTM) | -2.22% | 145.71% |
| Return on Assets (TTM) | -0.61% | 35.53% |
| Net Profit Margin (TTM) | -2.33% | 32.80% |
| Operating Profit Margin (TTM) | -5.22% | 45.87% |
| Gross Profit Margin (TTM) | -- | 81.75% |
Financial Strength
Current Ratio (MRQ)
AFRM
4.49
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
FICO
0.92
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
FICO’s Current Ratio of 0.92 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
Debt-to-Equity Ratio (MRQ)
AFRM
2.49
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
FICO
8.46
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
With a Debt-to-Equity Ratio of 8.46, FICO operates with exceptionally high leverage compared to the Software industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
Interest Coverage Ratio (TTM)
AFRM
-3.76
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
FICO
7.08
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
FICO’s Interest Coverage Ratio of 7.08 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AFRM | FICO |
|---|---|---|
| Current Ratio (MRQ) | 4.49 | 0.92 |
| Quick Ratio (MRQ) | 4.41 | 0.83 |
| Debt-to-Equity Ratio (MRQ) | 2.49 | 8.46 |
| Interest Coverage Ratio (TTM) | -3.76 | 7.08 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- 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.
FICO
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO 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
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- 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.
FICO
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
FICO 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 | FICO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
AFRM
--
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
P/E Ratio data for AFRM is currently unavailable.
FICO
52.98
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
FICO’s P/E Ratio of 52.98 is within the middle range for the Software 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
8.81
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
FICO
17.38
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
FICO’s P/S Ratio of 17.38 is in the upper echelon for the Software industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio (MRQ)
AFRM
5.03
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
AFRM’s P/B Ratio of 5.03 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.
FICO
115.88
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
At 115.88, FICO’s P/B Ratio is at an extreme premium to the Software industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AFRM | FICO |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | 52.98 |
| Price-to-Sales Ratio (TTM) | 8.81 | 17.38 |
| Price-to-Book Ratio (MRQ) | 5.03 | 115.88 |
| Price-to-Free Cash Flow Ratio (TTM) | 38.68 | 44.82 |