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

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

Company Profile

SymbolAFRMQBTS
Company NameAffirm Holdings, Inc.D-Wave Quantum Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryFinancial ServicesSoftware
Market Capitalization23.54 billion USD5.15 billion USD
ExchangeNasdaqGSNYSE
Listing DateJanuary 13, 2021December 11, 2020
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolAFRMQBTS
5-Day Price Return-4.95%-17.16%
13-Week Price Return40.50%14.52%
26-Week Price Return-2.38%131.69%
52-Week Price Return159.61%1,525.30%
Month-to-Date Return7.73%-12.39%
Year-to-Date Return21.28%79.29%
10-Day Avg. Volume5.47M43.94M
3-Month Avg. Volume6.45M59.32M
3-Month Volatility52.09%107.52%
Beta3.681.40

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.

QBTS

--

Software Industry

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

Return on Equity data for QBTS is currently unavailable.

AFRM vs. QBTS: 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.

QBTS

-1,263.92%

Software Industry

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

QBTS has a negative Net Profit Margin of -1,263.92%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

AFRM vs. QBTS: 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.

QBTS

-353.14%

Software Industry

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

QBTS has a negative Operating Profit Margin of -353.14%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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

Profitability at a Glance

SymbolAFRMQBTS
Return on Equity (TTM)-2.22%--
Return on Assets (TTM)-0.61%-82.90%
Net Profit Margin (TTM)-2.33%-1,263.92%
Operating Profit Margin (TTM)-5.22%-353.14%
Gross Profit Margin (TTM)--82.46%

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.

QBTS

20.73

Software Industry

Max
3.83
Q3
2.31
Median
1.45
Q1
1.03
Min
0.24

QBTS’s Current Ratio of 20.73 is exceptionally high, placing it well outside the typical range for the Software industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.

AFRM vs. QBTS: 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.

QBTS

0.15

Software Industry

Max
2.14
Q3
0.90
Median
0.29
Q1
0.00
Min
0.00

QBTS’s Debt-to-Equity Ratio of 0.15 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. QBTS: 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.

QBTS

-46.22

Software Industry

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

QBTS has a negative Interest Coverage Ratio of -46.22. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.

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

Financial Strength at a Glance

SymbolAFRMQBTS
Current Ratio (MRQ)4.4920.73
Quick Ratio (MRQ)4.4120.44
Debt-to-Equity Ratio (MRQ)2.490.15
Interest Coverage Ratio (TTM)-3.76-46.22

Growth

Revenue Growth

AFRM vs. QBTS: 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. QBTS: 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.

QBTS

0.00%

Software Industry

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

QBTS 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. QBTS: 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.

QBTS

0.00%

Software Industry

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

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

Dividend at a Glance

SymbolAFRMQBTS
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.

QBTS

--

Software Industry

Max
149.35
Q3
100.21
Median
47.97
Q1
26.77
Min
11.68

P/E Ratio data for QBTS is currently unavailable.

AFRM vs. QBTS: 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.

QBTS

231.24

Software Industry

Max
25.24
Q3
13.52
Median
8.15
Q1
4.87
Min
0.98

With a P/S Ratio of 231.24, QBTS trades at a valuation that eclipses even the highest in the Software industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

AFRM vs. QBTS: 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.

QBTS

10.68

Software Industry

Max
30.95
Q3
14.91
Median
7.75
Q1
3.60
Min
0.38

QBTS’s P/B Ratio of 10.68 is within the conventional range for the Software 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. QBTS: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Software industry benchmarks.

Valuation at a Glance

SymbolAFRMQBTS
Price-to-Earnings Ratio (TTM)----
Price-to-Sales Ratio (TTM)8.81231.24
Price-to-Book Ratio (MRQ)5.0310.68
Price-to-Free Cash Flow Ratio (TTM)38.68--