AFRM vs. MCO: Affirm vs. Moody's Stock Comparison

Company Profile

Affirm (AFRM) and Moody's (MCO) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while MCO is classified in Capital Markets.

Moody's (MCO) has more than two decades of public-market history since October 31, 1994, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Affirm (AFRM) carries a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, whereas Moody's (MCO) is closer to market-like at 1.28 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Moody's (MCO) at 76.74% is the standout with ROE above its industry range; Affirm (AFRM) at 44.49% also sits in the top quartile.

For every dollar of sales, both Affirm (AFRM) at 43.86% and Moody's (MCO) at 35.26% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Both Affirm (AFRM) at 14.82% and Moody's (MCO) at 46.27% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Moody's (MCO) at 8.89% is closer to the peer norm — faster top-line expansion for AFRM.

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Moody's (MCO) at 21.40%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Moody's (MCO) 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-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and Moody's (MCO) 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

Dividends

Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Moody's (MCO) reports a yield of 0.78%, ranking against industry peers normally.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Moody's (MCO) reports a payout of 24.59%, ranking against industry peers normally.

Dividend Metrics

Valuation

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Moody's (MCO) at 30.85 sits in the richer quartile — MCO needs stronger growth or earnings quality to justify the premium.

Both look expensive on sales: Affirm (AFRM) at 5.03 sits in the upper P/S ratio quartile, and Moody's (MCO) at 10.66 prices even higher, above its industry range.

Both look rich against book: Affirm (AFRM) at 4.01 sits in the upper P/B ratio quartile, and Moody's (MCO) at 26.68 prices even higher, above its industry range.

Valuation Metrics