AFRM vs. NOW: A Head-to-Head Stock Comparison

Updated on August 31, 2025

Here’s a clear look at AFRM and NOW, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AFRM	NOW
Company Name	Affirm Holdings, Inc.	ServiceNow, Inc.
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Financial Services	Software
Market Capitalization	28.81 billion USD	190.39 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 13, 2021	June 29, 2012
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AFRM and NOW by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

AFRM vs. NOW: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AFRM	NOW
5-Day Price Return	14.30%	4.26%
13-Week Price Return	69.95%	-9.63%
26-Week Price Return	38.31%	-0.52%
52-Week Price Return	180.11%	12.69%
Month-to-Date Return	29.03%	-2.72%
Year-to-Date Return	45.25%	-13.46%
10-Day Avg. Volume	11.56M	1.86M
3-Month Avg. Volume	7.06M	1.59M
3-Month Volatility	54.83%	28.76%
Beta	3.69	0.93

Profitability

Return on Equity (TTM)

AFRM

-2.22%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

AFRM has a negative Return on Equity of -2.22%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

NOW

16.62%

Software Industry

Max: 59.01%
Q3: 21.98%
Median: 7.15%
Q1: -11.12%
Min: -51.24%

NOW’s Return on Equity of 16.62% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

AFRM vs. NOW: A comparison of their Return on Equity (TTM) against their respective Financial Services and Software industry benchmarks.

Net Profit Margin (TTM)

AFRM

-2.33%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

AFRM has a negative Net Profit Margin of -2.33%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

NOW

13.78%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

NOW’s Net Profit Margin of 13.78% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.

AFRM vs. NOW: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Software industry benchmarks.

Operating Profit Margin (TTM)

AFRM

-5.22%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

AFRM has a negative Operating Profit Margin of -5.22%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

NOW

13.28%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

NOW’s Operating Profit Margin of 13.28% is around the midpoint for the Software industry, indicating that its efficiency in managing core business operations is typical for the sector.

AFRM vs. NOW: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Software industry benchmarks.

Profitability at a Glance

Symbol	AFRM	NOW
Return on Equity (TTM)	-2.22%	16.62%
Return on Assets (TTM)	-0.61%	8.12%
Net Profit Margin (TTM)	-2.33%	13.78%
Operating Profit Margin (TTM)	-5.22%	13.28%
Gross Profit Margin (TTM)	--	78.52%

Financial Strength

Current Ratio (MRQ)

AFRM

4.49

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

NOW

1.09

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

NOW’s Current Ratio of 1.09 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.

AFRM vs. NOW: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

AFRM

2.49

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

NOW

0.14

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

NOW’s Debt-to-Equity Ratio of 0.14 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AFRM vs. NOW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Software industry benchmarks.

Interest Coverage Ratio (TTM)

AFRM

-3.76

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

NOW

32.13

Software Industry

Max: 67.02
Q3: 19.86
Median: 0.70
Q1: -12.50
Min: -53.00

NOW’s Interest Coverage Ratio of 32.13 is in the upper quartile for the Software industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

AFRM vs. NOW: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Software industry benchmarks.

Financial Strength at a Glance

Symbol	AFRM	NOW
Current Ratio (MRQ)	4.49	1.09
Quick Ratio (MRQ)	4.41	0.99
Debt-to-Equity Ratio (MRQ)	2.49	0.14
Interest Coverage Ratio (TTM)	-3.76	32.13

Growth

Revenue Growth

AFRM vs. NOW: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AFRM vs. NOW: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AFRM

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

AFRM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

NOW

0.00%

Software Industry

Max: 0.08%
Q3: 0.03%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

NOW currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

AFRM vs. NOW: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Software industry benchmarks.

Dividend Payout Ratio (TTM)

AFRM

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

AFRM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

NOW

0.00%

Software Industry

Max: 1.32%
Q3: 0.53%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

NOW has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

AFRM vs. NOW: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Software industry benchmarks.

Dividend at a Glance

Symbol	AFRM	NOW
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

AFRM

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

P/E Ratio data for AFRM is currently unavailable.

NOW

111.05

Software Industry

Max: 149.35
Q3: 100.21
Median: 47.97
Q1: 26.77
Min: 11.68

A P/E Ratio of 111.05 places NOW in the upper quartile for the Software industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

AFRM vs. NOW: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

AFRM

8.81

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

NOW

15.30

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

NOW’s P/S Ratio of 15.30 is in the upper echelon for the Software industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

AFRM vs. NOW: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

AFRM

5.03

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

AFRM’s P/B Ratio of 5.03 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

NOW

19.48

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
Min: 0.38

NOW’s P/B Ratio of 19.48 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

AFRM vs. NOW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Software industry benchmarks.

Valuation at a Glance

Symbol	AFRM	NOW
Price-to-Earnings Ratio (TTM)	--	111.05
Price-to-Sales Ratio (TTM)	8.81	15.30
Price-to-Book Ratio (MRQ)	5.03	19.48
Price-to-Free Cash Flow Ratio (TTM)	38.68	48.48