AFRM vs. GIB: A Head-to-Head Stock Comparison

Updated on August 23, 2025

Here’s a clear look at AFRM and GIB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AFRM	GIB
Company Name	Affirm Holdings, Inc.	CGI Inc.
Country	United States	Canada
GICS Sector	Financials	Information Technology
GICS Industry	Financial Services	IT Services
Market Capitalization	23.54 billion USD	21.22 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 13, 2021	October 7, 1998
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AFRM and GIB 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.

AFRM vs. GIB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AFRM	GIB
5-Day Price Return	-4.95%	0.25%
13-Week Price Return	40.50%	-12.83%
26-Week Price Return	-2.38%	-23.52%
52-Week Price Return	159.61%	-11.58%
Month-to-Date Return	7.73%	-1.24%
Year-to-Date Return	21.28%	-16.12%
10-Day Avg. Volume	5.47M	0.49M
3-Month Avg. Volume	6.45M	0.42M
3-Month Volatility	52.09%	15.54%
Beta	3.68	0.59

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.

GIB

17.27%

IT Services Industry

Max: 29.51%
Q3: 16.98%
Median: 13.47%
Q1: 7.93%
Min: -3.97%

In the upper quartile for the IT Services industry, GIB’s Return on Equity of 17.27% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

AFRM vs. GIB: A comparison of their Return on Equity (TTM) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

11.01%

IT Services Industry

Max: 19.82%
Q3: 11.49%
Median: 6.67%
Q1: 3.61%
Min: -4.62%

GIB’s Net Profit Margin of 11.01% is aligned with the median group of its peers in the IT Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

AFRM vs. GIB: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

14.90%

IT Services Industry

Max: 21.69%
Q3: 14.50%
Median: 10.06%
Q1: 6.98%
Min: 0.06%

An Operating Profit Margin of 14.90% places GIB in the upper quartile for the IT Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

AFRM vs. GIB: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and IT Services industry benchmarks.

Profitability at a Glance

Symbol	AFRM	GIB
Return on Equity (TTM)	-2.22%	17.27%
Return on Assets (TTM)	-0.61%	9.45%
Net Profit Margin (TTM)	-2.33%	11.01%
Operating Profit Margin (TTM)	-5.22%	14.90%
Gross Profit Margin (TTM)	--	16.35%

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.

GIB

1.27

IT Services Industry

Max: 2.42
Q3: 1.81
Median: 1.47
Q1: 1.09
Min: 0.44

GIB’s Current Ratio of 1.27 aligns with the median group of the IT Services industry, indicating that its short-term liquidity is in line with its sector peers.

AFRM vs. GIB: A comparison of their Current Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

0.42

IT Services Industry

Max: 2.33
Q3: 1.17
Median: 0.54
Q1: 0.15
Min: 0.00

GIB’s Debt-to-Equity Ratio of 0.42 is typical for the IT Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AFRM vs. GIB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

11.09

IT Services Industry

Max: 144.50
Q3: 84.49
Median: 13.76
Q1: 2.59
Min: -28.13

GIB’s Interest Coverage Ratio of 11.09 is positioned comfortably within the norm for the IT Services industry, indicating a standard and healthy capacity to cover its interest payments.

AFRM vs. GIB: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Financial Strength at a Glance

Symbol	AFRM	GIB
Current Ratio (MRQ)	4.49	1.27
Quick Ratio (MRQ)	4.41	0.89
Debt-to-Equity Ratio (MRQ)	2.49	0.42
Interest Coverage Ratio (TTM)	-3.76	11.09

Growth

Revenue Growth

AFRM vs. GIB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AFRM vs. GIB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

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.

GIB

0.00%

IT Services Industry

Max: 2.80%
Q3: 1.74%
Median: 0.62%
Q1: 0.00%
Min: 0.00%

GIB 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.

AFRM vs. GIB: A comparison of their Dividend Yield (TTM) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

0.00%

IT Services Industry

Max: 147.75%
Q3: 63.58%
Median: 24.63%
Q1: 0.00%
Min: 0.00%

GIB 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.

AFRM vs. GIB: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Dividend at a Glance

Symbol	AFRM	GIB
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.

GIB

17.00

IT Services Industry

Max: 41.55
Q3: 31.54
Median: 23.25
Q1: 18.12
Min: 6.57

In the lower quartile for the IT Services industry, GIB’s P/E Ratio of 17.00 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

AFRM vs. GIB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

1.87

IT Services Industry

Max: 6.61
Q3: 4.37
Median: 2.02
Q1: 1.20
Min: 0.19

GIB’s P/S Ratio of 1.87 aligns with the market consensus for the IT Services industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

AFRM vs. GIB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

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.

GIB

3.14

IT Services Industry

Max: 11.19
Q3: 6.38
Median: 3.47
Q1: 2.31
Min: 0.96

GIB’s P/B Ratio of 3.14 is within the conventional range for the IT Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

AFRM vs. GIB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Valuation at a Glance

Symbol	AFRM	GIB
Price-to-Earnings Ratio (TTM)	--	17.00
Price-to-Sales Ratio (TTM)	8.81	1.87
Price-to-Book Ratio (MRQ)	5.03	3.14
Price-to-Free Cash Flow Ratio (TTM)	38.68	15.90