Seek Returns

AFRM vs. KKR: Affirm vs. KKR Stock Comparison

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

Company profile comparison for Affirm (AFRM) and KKR (KKR)
Profile ItemAFRMKKR
NameAffirm Holdings, Inc.Korro Bio, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesAsset Management & Custody Banks
Market Capitalization23.09 billion USD89.11 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJanuary 13, 2021July 15, 2010
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFRM
KKR
GSPC
Loading price history…
Affirm (AFRM) vs. KKR (KKR), 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

Loading price history…
Trailing total returns for Affirm (AFRM) and KKR (KKR). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Affirm (AFRM) and KKR (KKR). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Affirm (AFRM) and KKR (KKR)
MetricAFRMKKR
Total Return (1Y)-6.89%-18.61%
Total Return (3Y, Annualized)40.23%17.09%
Total Return (5Y, Annualized)-15.36%5.12%

Risk Profile

Drawdown History

AFRM
KKR
GSPC
Loading price history…
Affirm (AFRM) vs. KKR (KKR), 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

Loading price history…
Distribution of monthly total returns for Affirm (AFRM) and KKR (KKR). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Affirm (AFRM) and KKR (KKR)
MetricAFRMKKR
Volatility (1Y, Annualized)58.20%38.71%
Beta (5Y)3.701.69
Max Drawdown (5Y)-94.35%-49.42%
Avg. Volume (3M)4.46M4.77M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
AFRM and KKR 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 KKR (KKR)
MetricAFRMKKR
Sharpe Ratio (1Y)-0.19-0.59
Sortino Ratio (1Y)-0.28-0.81

Profitability

ROE (TTM)

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while KKR (KKR) at 7.28% 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%

KKR

Financial Services industry group

7.28%

Max
44.78%
Q3
21.85%
Median
12.91%
KKR
7.28%
Q1
4.48%
Min
-18.71%
Loading chart…
Affirm (AFRM) vs. KKR (KKR): 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 KKR (KKR) at 12.20%, 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%

KKR

Financial Services industry group

12.20%

Max
62.84%
Q3
28.05%
Median
15.36%
KKR
12.20%
Q1
4.82%
Min
-28.52%
Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Affirm (AFRM) at 14.82% and KKR (KKR) at 20.65% 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%

KKR

Financial Services industry group

20.65%

Max
107.33%
Q3
55.90%
Median
30.09%
KKR
20.65%
Q1
14.60%
Min
-44.34%
Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and KKR (KKR)
MetricAFRMKKR
ROE (TTM)44.49%7.28%
ROA (TTM)2.42%1.39%
Net Margin (TTM)43.86%12.20%
Operating Margin (TTM)14.82%20.65%
Gross Margin (TTM)----

Growth

Revenue Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while KKR (KKR) at -11.24% is in the bottom quartile, showing a clear gap in revenue momentum.

Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their Revenue Growth across different time periods.

EPS Growth

Affirm (AFRM) at 3,586.67% delivers above-range EPS growth, while KKR (KKR) at -28.66% falls into the bottom quartile — a wide split in earnings momentum.

Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Affirm (AFRM) and KKR (KKR)
MetricAFRMKKR
Revenue Growth (YoY)32.15%-11.24%
Revenue Growth (3Y CAGR)38.96%51.12%
EPS Growth (YoY)3,586.67%-28.66%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and KKR (KKR) 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 KKR (KKR) 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 KKR (KKR)
MetricAFRMKKR
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 KKR (KKR) reports a yield of 0.77%, 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%

KKR

Financial Services industry group

0.77%

Max
9.77%
Q3
3.92%
Median
1.09%
KKR
0.77%
Q1
0.00%
Min
0.00%
Loading chart…
Affirm (AFRM) vs. KKR (KKR): 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 KKR (KKR) reports a payout of 23.96%, 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%

KKR

Financial Services industry group

23.96%

Max
241.07%
Q3
97.36%
Median
25.77%
KKR
23.96%
Q1
0.00%
Min
0.00%
Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and KKR (KKR)
MetricAFRMKKR
Dividend Yield (TTM)0.00%0.77%
Dividend Payout Ratio (TTM)0.00%23.96%

Valuation

P/E Ratio (TTM)

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while KKR (KKR) at 30.82 sits in the richer quartile — KKR 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

KKR

Financial Services industry group

30.82

Max
45.85
KKR
30.82
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

KKR (KKR) at 3.45 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

KKR

Financial Services industry group

3.45

Max
9.23
Q3
4.57
KKR
3.45
Median
2.72
Q1
1.28
Min
-0.55
Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

KKR (KKR) at 3.04 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

KKR

Financial Services industry group

3.04

Max
7.79
Q3
3.63
KKR
3.04
Median
1.57
Q1
0.81
Min
-0.39
Loading chart…
Affirm (AFRM) vs. KKR (KKR): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and KKR (KKR)
MetricAFRMKKR
P/E Ratio (TTM)11.8030.82
P/S Ratio (TTM)5.033.45
P/B Ratio (MRQ)4.013.04
Free Cash Flow Yield (TTM)----