AFRM vs. QXO: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFRM and QXO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | AFRM | QXO |
|---|---|---|
| Company Name | Affirm Holdings, Inc. | QXO, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Industrials |
| GICS Industry | Financial Services | Trading Companies & Distributors |
| Market Capitalization | 22.71 billion USD | 11.71 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | January 13, 2021 | April 17, 2012 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of AFRM and QXO 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.
Historical Performance at a Glance
| Symbol | AFRM | QXO |
|---|---|---|
| 5-Day Price Return | -7.33% | -10.83% |
| 13-Week Price Return | -10.43% | -17.79% |
| 26-Week Price Return | 30.72% | 5.74% |
| 52-Week Price Return | 28.62% | 11.36% |
| Month-to-Date Return | -1.91% | -4.02% |
| Year-to-Date Return | 15.78% | 6.67% |
| 10-Day Avg. Volume | 7.31M | 8.71M |
| 3-Month Avg. Volume | 6.96M | 7.70M |
| 3-Month Volatility | 67.46% | 50.10% |
| Beta | 3.62 | 2.35 |
Profitability
Return on Equity (TTM)
AFRM
7.75%
Financial Services Industry
- Max
- 34.42%
- Q3
- 16.76%
- Median
- 9.18%
- Q1
- 3.90%
- Min
- -10.16%
AFRM’s Return on Equity of 7.75% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
QXO
-2.38%
Trading Companies & Distributors Industry
- Max
- 32.99%
- Q3
- 19.30%
- Median
- 12.90%
- Q1
- 9.19%
- Min
- -4.19%
QXO has a negative Return on Equity of -2.38%. 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.
Net Profit Margin (TTM)
AFRM
6.74%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.33%
- Median
- 13.11%
- Q1
- 7.04%
- Min
- -8.99%
Falling into the lower quartile for the Financial Services industry, AFRM’s Net Profit Margin of 6.74% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
QXO
-3.81%
Trading Companies & Distributors Industry
- Max
- 18.35%
- Q3
- 9.73%
- Median
- 6.00%
- Q1
- 3.53%
- Min
- -3.81%
QXO has a negative Net Profit Margin of -3.81%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
Operating Profit Margin (TTM)
AFRM
4.96%
Financial Services Industry
- Max
- 81.07%
- Q3
- 40.32%
- Median
- 19.93%
- Q1
- 10.20%
- Min
- -34.40%
AFRM’s Operating Profit Margin of 4.96% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
QXO
-5.46%
Trading Companies & Distributors Industry
- Max
- 25.07%
- Q3
- 13.61%
- Median
- 7.26%
- Q1
- 4.79%
- Min
- -7.51%
QXO has a negative Operating Profit Margin of -5.46%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | AFRM | QXO |
|---|---|---|
| Return on Equity (TTM) | 7.75% | -2.38% |
| Return on Assets (TTM) | 2.14% | -1.62% |
| Net Profit Margin (TTM) | 6.74% | -3.81% |
| Operating Profit Margin (TTM) | 4.96% | -5.46% |
| Gross Profit Margin (TTM) | 92.50% | 22.49% |
Financial Strength
Current Ratio (MRQ)
AFRM
4.58
Financial Services Industry
- Max
- 4.36
- Q3
- 2.26
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
QXO
3.06
Trading Companies & Distributors Industry
- Max
- 3.62
- Q3
- 2.33
- Median
- 1.57
- Q1
- 1.39
- Min
- 0.27
QXO’s Current Ratio of 3.06 is in the upper quartile for the Trading Companies & Distributors industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
Debt-to-Equity Ratio (MRQ)
AFRM
2.35
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.55
- Q1
- 0.11
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
QXO
0.33
Trading Companies & Distributors Industry
- Max
- 1.93
- Q3
- 1.19
- Median
- 0.78
- Q1
- 0.54
- Min
- 0.00
Falling into the lower quartile for the Trading Companies & Distributors industry, QXO’s Debt-to-Equity Ratio of 0.33 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio (TTM)
AFRM
-3.76
Financial Services Industry
- Max
- 140.54
- Q3
- 57.67
- Median
- 6.72
- Q1
- 1.93
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
QXO
-23.41
Trading Companies & Distributors Industry
- Max
- 15.13
- Q3
- 7.93
- Median
- 5.62
- Q1
- 1.79
- Min
- -1.67
QXO has a negative Interest Coverage Ratio of -23.41. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | AFRM | QXO |
|---|---|---|
| Current Ratio (MRQ) | 4.58 | 3.06 |
| Quick Ratio (MRQ) | 4.49 | 2.20 |
| Debt-to-Equity Ratio (MRQ) | 2.35 | 0.33 |
| Interest Coverage Ratio (TTM) | -3.76 | -23.41 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 7.52%
- Q3
- 3.60%
- Median
- 1.75%
- 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.
QXO
0.83%
Trading Companies & Distributors Industry
- Max
- 5.11%
- Q3
- 2.73%
- Median
- 2.07%
- Q1
- 1.04%
- Min
- 0.00%
QXO’s Dividend Yield of 0.83% is in the lower quartile for the Trading Companies & Distributors industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio (TTM)
AFRM
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 17.51%
- 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.
QXO
0.00%
Trading Companies & Distributors Industry
- Max
- 136.12%
- Q3
- 68.26%
- Median
- 48.45%
- Q1
- 22.66%
- Min
- 0.00%
QXO 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.
Dividend at a Glance
| Symbol | AFRM | QXO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.83% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
AFRM
96.53
Financial Services Industry
- Max
- 46.13
- Q3
- 28.79
- Median
- 13.18
- Q1
- 9.14
- Min
- 0.47
At 96.53, AFRM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
QXO
--
Trading Companies & Distributors Industry
- Max
- 37.92
- Q3
- 24.64
- Median
- 17.42
- Q1
- 14.27
- Min
- 5.07
P/E Ratio data for QXO is currently unavailable.
Price-to-Sales Ratio (TTM)
AFRM
6.50
Financial Services Industry
- Max
- 9.71
- Q3
- 4.81
- Median
- 2.49
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
QXO
2.49
Trading Companies & Distributors Industry
- Max
- 4.94
- Q3
- 2.49
- Median
- 1.08
- Q1
- 0.75
- Min
- 0.30
QXO’s P/S Ratio of 2.49 aligns with the market consensus for the Trading Companies & Distributors industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
AFRM
7.21
Financial Services Industry
- Max
- 7.21
- Q3
- 3.51
- Median
- 1.52
- Q1
- 0.88
- Min
- 0.08
AFRM’s P/B Ratio of 7.21 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.
QXO
1.31
Trading Companies & Distributors Industry
- Max
- 9.42
- Q3
- 4.66
- Median
- 2.10
- Q1
- 1.34
- Min
- 0.31
QXO’s P/B Ratio of 1.31 is in the lower quartile for the Trading Companies & Distributors industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | AFRM | QXO |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 96.53 | -- |
| Price-to-Sales Ratio (TTM) | 6.50 | 2.49 |
| Price-to-Book Ratio (MRQ) | 7.21 | 1.31 |
| Price-to-Free Cash Flow Ratio (TTM) | 29.25 | 42.69 |