AFRM vs. IVZ: Affirm vs. Invesco Stock Comparison
How do Affirm (AFRM) and Invesco (IVZ) 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 Invesco (IVZ) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while IVZ is classified in Capital Markets.
Invesco (IVZ) has more than two decades of public-market history since August 25, 1995, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.
| Profile Item | AFRM | IVZ |
|---|---|---|
| Name | Affirm Holdings, Inc. | Invesco Ltd. |
| 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 | Asset Management & Custody Banks |
| Market Capitalization | 23.09 billion USD | 11.90 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | January 13, 2021 | August 25, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| Total Return (1Y) | -6.89% | 27.77% |
| Total Return (3Y, Annualized) | 40.23% | 36.49% |
| Total Return (5Y, Annualized) | -15.36% | 6.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| Volatility (1Y, Annualized) | 58.20% | 35.98% |
| Beta (5Y) | 3.70 | 1.65 |
| Max Drawdown (5Y) | -94.35% | -48.49% |
| Avg. Volume (3M) | 4.46M | 4.52M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| Sharpe Ratio (1Y) | -0.19 | 0.65 |
| Sortino Ratio (1Y) | -0.28 | 0.94 |
Profitability
ROE (TTM)
Invesco (IVZ) reports a negative ROE of -0.58%; negative ROE can reflect losses or negative shareholders’ equity, so it is harder to read as capital efficiency. Meanwhile Affirm (AFRM) reports 44.49%, ranking against industry peers normally.
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%
IVZ
Financial Services industry group
-0.58%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- IVZ
- -0.58%
- Min
- -18.71%
Net Margin (TTM)
Invesco (IVZ) reports a negative net margin of -1.10%, usually indicating a net loss over the period. Meanwhile Affirm (AFRM) reports 43.86%, ranking against industry peers normally.
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%
IVZ
Financial Services industry group
-1.10%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- IVZ
- -1.10%
- Min
- -28.52%
Operating Margin (TTM)
Both Affirm (AFRM) at 14.82% and Invesco (IVZ) at 23.30% 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%
IVZ
Financial Services industry group
23.30%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- IVZ
- 23.30%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| ROE (TTM) | 44.49% | -0.58% |
| ROA (TTM) | 2.42% | 3.28% |
| Net Margin (TTM) | 43.86% | -1.10% |
| Operating Margin (TTM) | 14.82% | 23.30% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Invesco (IVZ) at 5.11% is closer to the peer norm — faster top-line expansion for AFRM.
EPS Growth
Affirm (AFRM) at 3,586.67% sits above its peer range for EPS growth; Invesco (IVZ) at -235.59% sits below its range, putting their earnings trajectories at opposite ends.
Growth Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| Revenue Growth (YoY) | 32.15% | 5.11% |
| Revenue Growth (3Y CAGR) | 38.96% | 1.78% |
| EPS Growth (YoY) | 3,586.67% | -235.59% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Invesco (IVZ) 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 Invesco (IVZ) 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 | IVZ |
|---|---|---|
| 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 Invesco (IVZ) reports a yield of 3.16%, 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%
IVZ
Financial Services industry group
3.16%
- Max
- 9.77%
- Q3
- 3.92%
- IVZ
- 3.16%
- Median
- 1.09%
- 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 Invesco (IVZ) reports a payout of 56.46%, 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%
IVZ
Financial Services industry group
56.46%
- Max
- 241.07%
- Q3
- 97.36%
- IVZ
- 56.46%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 3.16% |
| Dividend Payout Ratio (TTM) | 0.00% | 56.46% |
Valuation
P/E Ratio (TTM)
An earnings multiple is available for just one side: Affirm (AFRM) trades at 11.80 times trailing earnings, ranked against its peers, while Invesco (IVZ) has no P/E ratio this period.
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
IVZ
Financial Services industry group
--
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
- IVZ
- --
P/S Ratio (TTM)
Invesco (IVZ) at 1.67 is priced about in line with its industry on P/S ratio, while Affirm (AFRM) at 5.03 sits in the pricier quartile — AFRM costs more per dollar of sales.
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
IVZ
Financial Services industry group
1.67
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- IVZ
- 1.67
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Invesco (IVZ) at 1.18 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.
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
IVZ
Financial Services industry group
1.18
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- IVZ
- 1.18
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AFRM | IVZ |
|---|---|---|
| P/E Ratio (TTM) | 11.80 | -- |
| P/S Ratio (TTM) | 5.03 | 1.67 |
| P/B Ratio (MRQ) | 4.01 | 1.18 |
| Free Cash Flow Yield (TTM) | -- | -- |