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AFRM vs. JEF: Affirm vs. Jefferies Stock Comparison

How do Affirm (AFRM) and Jefferies (JEF) 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 Jefferies (JEF) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while JEF is classified in Capital Markets.

Jefferies (JEF) has more than two decades of public-market history since March 17, 1980, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.

Company profile comparison for Affirm (AFRM) and Jefferies (JEF)
Profile ItemAFRMJEF
NameAffirm Holdings, Inc.Jefferies Financial Group Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesInvestment Banking & Brokerage
Market Capitalization23.09 billion USD10.88 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJanuary 13, 2021March 17, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFRM
JEF
GSPC
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Affirm (AFRM) vs. Jefferies (JEF), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Affirm (AFRM) and Jefferies (JEF). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Affirm (AFRM) and Jefferies (JEF). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
Total Return (1Y)-6.89%-6.26%
Total Return (3Y, Annualized)40.23%17.02%
Total Return (5Y, Annualized)-15.36%7.20%

Risk Profile

Drawdown History

AFRM
JEF
GSPC
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Affirm (AFRM) vs. Jefferies (JEF), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Affirm (AFRM) and Jefferies (JEF). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
Volatility (1Y, Annualized)58.20%41.25%
Beta (5Y)3.701.49
Max Drawdown (5Y)-94.35%-54.39%
Avg. Volume (3M)4.46M2.20M

Risk-Adjusted Performance

Risk-Return Positioning

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AFRM and JEF are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
Sharpe Ratio (1Y)-0.19-0.26
Sortino Ratio (1Y)-0.28-0.33

Profitability

ROE (TTM)

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Jefferies (JEF) at 8.59% 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%

JEF

Financial Services industry group

8.59%

Max
44.78%
Q3
21.85%
Median
12.91%
JEF
8.59%
Q1
4.48%
Min
-18.71%
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Jefferies (JEF) at 11.00%, 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%

JEF

Financial Services industry group

11.00%

Max
62.84%
Q3
28.05%
Median
15.36%
JEF
11.00%
Q1
4.82%
Min
-28.52%
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Affirm (AFRM) at 14.82% and Jefferies (JEF) at 15.80% 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%

JEF

Financial Services industry group

15.80%

Max
107.33%
Q3
55.90%
Median
30.09%
JEF
15.80%
Q1
14.60%
Min
-44.34%
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
ROE (TTM)44.49%8.59%
ROA (TTM)2.42%1.21%
Net Margin (TTM)43.86%11.00%
Operating Margin (TTM)14.82%15.80%
Gross Margin (TTM)----

Growth

Revenue Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Jefferies (JEF) at 2.93% is closer to the peer norm — faster top-line expansion for AFRM.

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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their Revenue Growth across different time periods.

EPS Growth

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Jefferies (JEF) at -5.35%, which is closer to a typical peer reading.

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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
Revenue Growth (YoY)32.15%2.93%
Revenue Growth (3Y CAGR)38.96%14.83%
EPS Growth (YoY)3,586.67%-5.35%
EPS Growth (3Y CAGR)---2.57%

Financial Strength

Current Ratio (MRQ)

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

Financial strength metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
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 Jefferies (JEF) reports a yield of 3.29%, 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%

JEF

Financial Services industry group

3.29%

Max
9.77%
Q3
3.92%
JEF
3.29%
Median
1.09%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their dividend yield against the Financial Services industry group benchmark.

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 Jefferies (JEF) reports a payout of 42.67%, 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%

JEF

Financial Services industry group

42.67%

Max
241.07%
Q3
97.36%
JEF
42.67%
Median
25.77%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
Dividend Yield (TTM)0.00%3.29%
Dividend Payout Ratio (TTM)0.00%42.67%

Valuation

P/E Ratio (TTM)

Both Affirm (AFRM) at 11.80 and Jefferies (JEF) at 12.63 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

JEF

Financial Services industry group

12.63

Max
45.85
Q3
24.64
Median
15.37
JEF
12.63
Q1
9.68
Min
0.16
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Jefferies (JEF) at 1.28 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

JEF

Financial Services industry group

1.28

Max
9.23
Q3
4.57
Median
2.72
JEF
1.28
Q1
1.28
Min
-0.55
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Jefferies (JEF) at 1.02 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

JEF

Financial Services industry group

1.02

Max
7.79
Q3
3.63
Median
1.57
JEF
1.02
Q1
0.81
Min
-0.39
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Affirm (AFRM) vs. Jefferies (JEF): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and Jefferies (JEF)
MetricAFRMJEF
P/E Ratio (TTM)11.8012.63
P/S Ratio (TTM)5.031.28
P/B Ratio (MRQ)4.011.02
Free Cash Flow Yield (TTM)----