AFRM vs. IBKR: Affirm vs. Interactive Brokers Stock Comparison
How do Affirm (AFRM) and Interactive Brokers (IBKR) 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 Interactive Brokers (IBKR) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while IBKR is classified in Capital Markets.
| Profile Item | AFRM | IBKR |
|---|---|---|
| Name | Affirm Holdings, Inc. | Interactive Brokers Group, 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 | 129.19 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | January 13, 2021 | May 4, 2007 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| Total Return (1Y) | -6.89% | 11.53% |
| Total Return (3Y, Annualized) | 40.23% | 57.15% |
| Total Return (5Y, Annualized) | -15.36% | 34.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| Volatility (1Y, Annualized) | 58.20% | 40.72% |
| Beta (5Y) | 3.70 | 1.37 |
| Max Drawdown (5Y) | -94.35% | -38.66% |
| Avg. Volume (3M) | 4.46M | 4.24M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| Sharpe Ratio (1Y) | -0.19 | 0.18 |
| Sortino Ratio (1Y) | -0.28 | 0.26 |
Profitability
ROE (TTM)
Both Affirm (AFRM) at 44.49% and Interactive Brokers (IBKR) at 23.67% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
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%
IBKR
Financial Services industry group
23.67%
- Max
- 44.78%
- IBKR
- 23.67%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Interactive Brokers (IBKR) at 16.68%, which keeps about the industry-typical share.
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%
IBKR
Financial Services industry group
16.68%
- Max
- 62.84%
- Q3
- 28.05%
- IBKR
- 16.68%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Interactive Brokers (IBKR) at 77.70% operates in the top operating margin quartile, ahead of Affirm (AFRM) at 14.82%, which runs around its industry’s norm.
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%
IBKR
Financial Services industry group
77.70%
- Max
- 107.33%
- IBKR
- 77.70%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| ROE (TTM) | 44.49% | 23.67% |
| ROA (TTM) | 2.42% | 2.28% |
| Net Margin (TTM) | 43.86% | 16.68% |
| Operating Margin (TTM) | 14.82% | 77.70% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Interactive Brokers (IBKR) at 9.73% is closer to the peer norm — faster top-line expansion for AFRM.
EPS Growth
Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Interactive Brokers (IBKR) at 28.14%, which is closer to a typical peer reading.
Growth Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| Revenue Growth (YoY) | 32.15% | 9.73% |
| Revenue Growth (3Y CAGR) | 38.96% | 34.60% |
| EPS Growth (YoY) | 3,586.67% | 28.14% |
| EPS Growth (3Y CAGR) | -- | 33.29% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Interactive Brokers (IBKR) 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 Interactive Brokers (IBKR) 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 | IBKR |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Interactive Brokers (IBKR) reports a yield of 0.46%, ranking against industry peers normally.
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%
IBKR
Financial Services industry group
0.46%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- IBKR
- 0.46%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Interactive Brokers (IBKR) reports a payout of 12.79%, ranking against industry peers normally.
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%
IBKR
Financial Services industry group
12.79%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- IBKR
- 12.79%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.46% |
| Dividend Payout Ratio (TTM) | 0.00% | 12.79% |
Valuation
P/E Ratio (TTM)
Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Interactive Brokers (IBKR) at 28.94 sits in the richer quartile — IBKR 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
IBKR
Financial Services industry group
28.94
- Max
- 45.85
- IBKR
- 28.94
- 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 Interactive Brokers (IBKR) at 18.30 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
IBKR
Financial Services industry group
18.30
- IBKR
- 18.30
- 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 Interactive Brokers (IBKR) at 5.53 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
IBKR
Financial Services industry group
5.53
- Max
- 7.79
- IBKR
- 5.53
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AFRM | IBKR |
|---|---|---|
| P/E Ratio (TTM) | 11.80 | 28.94 |
| P/S Ratio (TTM) | 5.03 | 18.30 |
| P/B Ratio (MRQ) | 4.01 | 5.53 |
| Free Cash Flow Yield (TTM) | -- | -- |