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

Updated on August 31, 2025

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

Company Profile

AFRM is a standard domestic listing, while NTES trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	AFRM	NTES
Company Name	Affirm Holdings, Inc.	NetEase, Inc.
Country	United States	China
GICS Sector	Financials	Communication Services
GICS Industry	Financial Services	Entertainment
Market Capitalization	28.81 billion USD	86.38 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	January 13, 2021	June 30, 2000
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of AFRM and NTES 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. NTES: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AFRM	NTES
5-Day Price Return	14.30%	0.44%
13-Week Price Return	69.95%	9.59%
26-Week Price Return	38.31%	36.72%
52-Week Price Return	180.11%	69.45%
Month-to-Date Return	29.03%	4.52%
Year-to-Date Return	45.25%	52.66%
10-Day Avg. Volume	11.56M	0.77M
3-Month Avg. Volume	7.06M	0.95M
3-Month Volatility	54.83%	24.66%
Beta	3.69	0.66

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.

NTES

24.25%

Entertainment Industry

Max: 42.50%
Q3: 22.75%
Median: 12.88%
Q1: 7.15%
Min: -6.84%

In the upper quartile for the Entertainment industry, NTES’s Return on Equity of 24.25% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

AFRM vs. NTES: A comparison of their Return on Equity (TTM) against their respective Financial Services and Entertainment 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.

NTES

31.19%

Entertainment Industry

Max: 45.25%
Q3: 23.93%
Median: 14.60%
Q1: 4.89%
Min: -22.94%

A Net Profit Margin of 31.19% places NTES in the upper quartile for the Entertainment industry, signifying strong profitability and more effective cost management than most of its peers.

AFRM vs. NTES: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Entertainment 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.

NTES

31.43%

Entertainment Industry

Max: 46.83%
Q3: 28.87%
Median: 15.26%
Q1: 8.95%
Min: -5.53%

An Operating Profit Margin of 31.43% places NTES in the upper quartile for the Entertainment industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	AFRM	NTES
Return on Equity (TTM)	-2.22%	24.25%
Return on Assets (TTM)	-0.61%	17.31%
Net Profit Margin (TTM)	-2.33%	31.19%
Operating Profit Margin (TTM)	-5.22%	31.43%
Gross Profit Margin (TTM)	--	63.17%

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.

NTES

3.23

Entertainment Industry

Max: 6.80
Q3: 3.77
Median: 1.87
Q1: 0.86
Min: 0.39

NTES’s Current Ratio of 3.23 aligns with the median group of the Entertainment industry, indicating that its short-term liquidity is in line with its sector peers.

AFRM vs. NTES: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Entertainment 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.

NTES

0.08

Entertainment Industry

Max: 1.65
Q3: 0.71
Median: 0.14
Q1: 0.04
Min: 0.00

NTES’s Debt-to-Equity Ratio of 0.08 is typical for the Entertainment industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AFRM vs. NTES: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Entertainment 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.

NTES

161.13

Entertainment Industry

Max: 62.11
Q3: 31.19
Median: 7.50
Q1: 2.02
Min: -6.33

With an Interest Coverage Ratio of 161.13, NTES demonstrates a superior capacity to service its debt, placing it well above the typical range for the Entertainment industry. This stems from either robust earnings or a conservative debt load.

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

Financial Strength at a Glance

Symbol	AFRM	NTES
Current Ratio (MRQ)	4.49	3.23
Quick Ratio (MRQ)	4.41	3.10
Debt-to-Equity Ratio (MRQ)	2.49	0.08
Interest Coverage Ratio (TTM)	-3.76	161.13

Growth

Revenue Growth

AFRM vs. NTES: 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. NTES: 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.

NTES

2.18%

Entertainment Industry

Max: 2.54%
Q3: 1.29%
Median: 0.61%
Q1: 0.00%
Min: 0.00%

With a Dividend Yield of 2.18%, NTES offers a more attractive income stream than most of its peers in the Entertainment industry, signaling a strong commitment to shareholder returns.

AFRM vs. NTES: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Entertainment 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.

NTES

36.90%

Entertainment Industry

Max: 82.30%
Q3: 45.76%
Median: 29.16%
Q1: 0.00%
Min: 0.00%

NTES’s Dividend Payout Ratio of 36.90% is within the typical range for the Entertainment industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	AFRM	NTES
Dividend Yield (TTM)	0.00%	2.18%
Dividend Payout Ratio (TTM)	0.00%	36.90%

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.

NTES

16.94

Entertainment Industry

Max: 53.51
Q3: 45.31
Median: 33.16
Q1: 18.21
Min: 3.89

In the lower quartile for the Entertainment industry, NTES’s P/E Ratio of 16.94 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

AFRM vs. NTES: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Entertainment 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.

NTES

5.28

Entertainment Industry

Max: 12.81
Q3: 7.20
Median: 4.68
Q1: 3.32
Min: 0.79

NTES’s P/S Ratio of 5.28 aligns with the market consensus for the Entertainment industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

AFRM vs. NTES: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Entertainment 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.

NTES

4.09

Entertainment Industry

Max: 17.11
Q3: 8.38
Median: 5.24
Q1: 2.18
Min: 0.67

NTES’s P/B Ratio of 4.09 is within the conventional range for the Entertainment industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

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

Valuation at a Glance

Symbol	AFRM	NTES
Price-to-Earnings Ratio (TTM)	--	16.94
Price-to-Sales Ratio (TTM)	8.81	5.28
Price-to-Book Ratio (MRQ)	5.03	4.09
Price-to-Free Cash Flow Ratio (TTM)	38.68	13.09