AFRM vs. FIS: Affirm vs. Fidelity Natl Information Svcs Stock Comparison

Company Profile

Affirm (AFRM) and Fidelity Natl Information Svcs (FIS) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Fidelity Natl Information Svcs (FIS) has more than two decades of public-market history since June 20, 2001, 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 Fidelity Natl Information Svcs (FIS) is closer to market-like at 0.91 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Affirm (AFRM) at 44.49% and Fidelity Natl Information Svcs (FIS) at 23.04% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Fidelity Natl Information Svcs (FIS) at 26.77%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Fidelity Natl Information Svcs (FIS) at 22.93% 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 Fidelity Natl Information Svcs (FIS) at 5.43% is closer to the peer norm — faster top-line expansion for AFRM.

Affirm (AFRM) at 3,586.67% delivers above-range EPS growth, while Fidelity Natl Information Svcs (FIS) at -72.03% falls into the bottom quartile — a wide split in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Fidelity Natl Information Svcs (FIS) 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 Fidelity Natl Information Svcs (FIS) 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 Fidelity Natl Information Svcs (FIS) reports a yield of 5.85%, 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 Fidelity Natl Information Svcs (FIS) reports a payout of 25.71%, ranking against industry peers normally.

Dividend Metrics

Valuation

Fidelity Natl Information Svcs (FIS) at 4.29 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 FIS, though growth and earnings durability still matter.

Fidelity Natl Information Svcs (FIS) at 1.14 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.

Fidelity Natl Information Svcs (FIS) at 0.91 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.

Valuation Metrics