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AFRM vs. OWL: Affirm vs. Blue Owl Capital Stock Comparison

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

Company profile comparison for Affirm (AFRM) and Blue Owl Capital (OWL)
Profile ItemAFRMOWL
NameAffirm Holdings, Inc.Blue Owl Capital Inc. Class A Common Stock
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 USD15.48 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJanuary 13, 2021December 14, 2020
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFRM
OWL
GSPC
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Affirm (AFRM) vs. Blue Owl Capital (OWL), 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 Blue Owl Capital (OWL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Affirm (AFRM) and Blue Owl Capital (OWL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Affirm (AFRM) and Blue Owl Capital (OWL)
MetricAFRMOWL
Total Return (1Y)-6.89%-27.51%
Total Return (3Y, Annualized)40.23%-3.02%
Total Return (5Y, Annualized)-15.36%-4.22%

Risk Profile

Drawdown History

AFRM
OWL
GSPC
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Affirm (AFRM) vs. Blue Owl Capital (OWL), 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 Blue Owl Capital (OWL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

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

Risk profile metrics for Affirm (AFRM) and Blue Owl Capital (OWL)
MetricAFRMOWL
Volatility (1Y, Annualized)58.20%46.89%
Beta (5Y)3.701.28
Max Drawdown (5Y)-94.35%-67.10%
Avg. Volume (3M)4.46M19.50M

Risk-Adjusted Performance

Risk-Return Positioning

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AFRM and OWL 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 Blue Owl Capital (OWL)
MetricAFRMOWL
Sharpe Ratio (1Y)-0.19-0.68
Sortino Ratio (1Y)-0.28-0.99

Profitability

ROE (TTM)

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Blue Owl Capital (OWL) at 6.41% 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%

OWL

Financial Services industry group

6.41%

Max
44.78%
Q3
21.85%
Median
12.91%
OWL
6.41%
Q1
4.48%
Min
-18.71%
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Affirm (AFRM) at 43.86% keeps a top-quartile share of each sales dollar as profit, while Blue Owl Capital (OWL) at 3.08% keeps a bottom-quartile 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%

OWL

Financial Services industry group

3.08%

Max
62.84%
Q3
28.05%
Median
15.36%
Q1
4.82%
OWL
3.08%
Min
-28.52%
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Affirm (AFRM) at 14.82% and Blue Owl Capital (OWL) at 31.15% 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%

OWL

Financial Services industry group

31.15%

Max
107.33%
Q3
55.90%
OWL
31.15%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and Blue Owl Capital (OWL)
MetricAFRMOWL
ROE (TTM)44.49%6.41%
ROA (TTM)2.42%4.69%
Net Margin (TTM)43.86%3.08%
Operating Margin (TTM)14.82%31.15%
Gross Margin (TTM)----

Growth

Revenue Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Blue Owl Capital (OWL) at 25.04% is closer to the peer norm — faster top-line expansion for AFRM.

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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Affirm (AFRM) at 3,586.67% delivers above-range EPS growth, while Blue Owl Capital (OWL) at -50.00% falls into the bottom quartile — a wide split in earnings momentum.

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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Affirm (AFRM) and Blue Owl Capital (OWL)
MetricAFRMOWL
Revenue Growth (YoY)32.15%25.04%
Revenue Growth (3Y CAGR)38.96%27.97%
EPS Growth (YoY)3,586.67%-50.00%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Blue Owl Capital (OWL) 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 Blue Owl Capital (OWL) 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 Blue Owl Capital (OWL)
MetricAFRMOWL
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 Blue Owl Capital (OWL) reports a yield of 9.66%, 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%

OWL

Financial Services industry group

9.66%

Max
9.77%
OWL
9.66%
Q3
3.92%
Median
1.09%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Blue Owl Capital (OWL) reports payout ratio above 100% at 650.00%, meaning dividends exceeded current-period earnings; Affirm (AFRM) pays no dividend (payout 0.00%).

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%

OWL

Financial Services industry group

650.00%

OWL
650.00%
Max
241.07%
Q3
97.36%
Median
25.77%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and Blue Owl Capital (OWL)
MetricAFRMOWL
Dividend Yield (TTM)0.00%9.66%
Dividend Payout Ratio (TTM)0.00%650.00%

Valuation

P/E Ratio (TTM)

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Blue Owl Capital (OWL) at 70.14 sits above its peer range — an unusually expensive price for OWL’s trailing earnings.

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

OWL

Financial Services industry group

70.14

OWL
70.14
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Affirm (AFRM) at 5.03 and Blue Owl Capital (OWL) at 5.04 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

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

OWL

Financial Services industry group

5.04

Max
9.23
OWL
5.04
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Blue Owl Capital (OWL) at 3.54 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

OWL

Financial Services industry group

3.54

Max
7.79
Q3
3.63
OWL
3.54
Median
1.57
Q1
0.81
Min
-0.39
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Affirm (AFRM) vs. Blue Owl Capital (OWL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and Blue Owl Capital (OWL)
MetricAFRMOWL
P/E Ratio (TTM)11.8070.14
P/S Ratio (TTM)5.035.04
P/B Ratio (MRQ)4.013.54
Free Cash Flow Yield (TTM)----