AFRM vs. FUTU: Affirm vs. Futu Stock Comparison

Company Profile

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

Affirm (AFRM) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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 Futu (FUTU) is defensive at 0.68 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Affirm (AFRM) at 44.49% and Futu (FUTU) at 30.52% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

For every dollar of sales, both Affirm (AFRM) at 43.86% and Futu (FUTU) at 46.20% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of Affirm (AFRM) at 14.82%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both companies are growing quickly, but Futu (FUTU) at 68.11% is the standout with revenue growth above its industry range; Affirm (AFRM) at 32.15% also sits in the top quartile.

Both companies show strong earnings momentum, but Affirm (AFRM) at 3,586.67% is the standout with EPS growth above its industry range; Futu (FUTU) at 106.38% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Futu (FUTU) 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 Futu (FUTU) 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

Neither Affirm (AFRM) nor Futu (FUTU) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Futu (FUTU) reports a payout of 25.80%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Affirm (AFRM) at 11.80 and Futu (FUTU) at 9.73 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Futu (FUTU) at 0.57 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.

Futu (FUTU) at 2.75 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