AFRM vs. HOOD: Affirm vs. Robinhood Markets Stock Comparison
How do Affirm (AFRM) and Robinhood Markets (HOOD) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Affirm (AFRM) and Robinhood Markets (HOOD) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while HOOD is classified in Capital Markets.
| Profile Item | AFRM | HOOD |
|---|---|---|
| Name | Affirm Holdings, Inc. | Robinhood Markets Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Investment Banking & Brokerage |
| Market Capitalization | 23.09 billion USD | 72.86 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | January 13, 2021 | July 29, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| Total Return (1Y) | -6.89% | -35.46% |
| Total Return (3Y, Annualized) | 40.23% | 119.74% |
| Total Return (5Y, Annualized) | -15.36% | 18.05% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| Volatility (1Y, Annualized) | 58.20% | 71.13% |
| Beta (5Y) | 3.70 | 2.52 |
| Max Drawdown (5Y) | -94.35% | -81.23% |
| Avg. Volume (3M) | 4.46M | 20.63M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| Sharpe Ratio (1Y) | -0.19 | -0.56 |
| Sortino Ratio (1Y) | -0.28 | -0.82 |
Profitability
ROE (TTM)
Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Robinhood Markets (HOOD) at 21.45% is closer to the peer norm — stronger capital efficiency for AFRM.
AFRM
Financial Services industry group
44.49%
- Max
- 44.78%
- AFRM
- 44.49%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
HOOD
Financial Services industry group
21.45%
- Max
- 44.78%
- Q3
- 21.85%
- HOOD
- 21.45%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
For every dollar of sales, both Affirm (AFRM) at 43.86% and Robinhood Markets (HOOD) at 39.04% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
AFRM
Financial Services industry group
43.86%
- Max
- 62.84%
- AFRM
- 43.86%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
HOOD
Financial Services industry group
39.04%
- Max
- 62.84%
- HOOD
- 39.04%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Affirm (AFRM) at 14.82% and Robinhood Markets (HOOD) at 48.10% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
AFRM
Financial Services industry group
14.82%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- AFRM
- 14.82%
- Q1
- 14.60%
- Min
- -44.34%
HOOD
Financial Services industry group
48.10%
- Max
- 107.33%
- Q3
- 55.90%
- HOOD
- 48.10%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| ROE (TTM) | 44.49% | 21.45% |
| ROA (TTM) | 2.42% | 4.01% |
| Net Margin (TTM) | 43.86% | 39.04% |
| Operating Margin (TTM) | 14.82% | 48.10% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Affirm (AFRM) at 32.15% and Robinhood Markets (HOOD) at 51.58% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Robinhood Markets (HOOD) at 31.41%, which is closer to a typical peer reading.
Growth Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| Revenue Growth (YoY) | 32.15% | 51.58% |
| Revenue Growth (3Y CAGR) | 38.96% | 48.79% |
| EPS Growth (YoY) | 3,586.67% | 31.41% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Robinhood Markets (HOOD) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and Robinhood Markets (HOOD) 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
| Metric | AFRM | HOOD |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Affirm (AFRM) nor Robinhood Markets (HOOD) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
AFRM
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- AFRM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
HOOD
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- HOOD
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Affirm (AFRM) nor Robinhood Markets (HOOD) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
AFRM
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- AFRM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
HOOD
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- HOOD
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Robinhood Markets (HOOD) at 37.29 sits in the richer quartile — HOOD needs stronger growth or earnings quality to justify the premium.
AFRM
Financial Services industry group
11.80
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- AFRM
- 11.80
- Q1
- 9.68
- Min
- 0.16
HOOD
Financial Services industry group
37.29
- Max
- 45.85
- HOOD
- 37.29
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Both look expensive on sales: Affirm (AFRM) at 5.03 sits in the upper P/S ratio quartile, and Robinhood Markets (HOOD) at 14.34 prices even higher, above its industry range.
AFRM
Financial Services industry group
5.03
- Max
- 9.23
- AFRM
- 5.03
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
HOOD
Financial Services industry group
14.34
- HOOD
- 14.34
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both Affirm (AFRM) at 4.01 and Robinhood Markets (HOOD) at 7.29 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.
AFRM
Financial Services industry group
4.01
- Max
- 7.79
- AFRM
- 4.01
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
HOOD
Financial Services industry group
7.29
- Max
- 7.79
- HOOD
- 7.29
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AFRM | HOOD |
|---|---|---|
| P/E Ratio (TTM) | 11.80 | 37.29 |
| P/S Ratio (TTM) | 5.03 | 14.34 |
| P/B Ratio (MRQ) | 4.01 | 7.29 |
| Free Cash Flow Yield (TTM) | -- | -- |