AFRM vs. RJF: Affirm vs. Raymond James Financial Stock Comparison

Company Profile

Affirm (AFRM) and Raymond James Financial (RJF) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while RJF is classified in Capital Markets.

Raymond James Financial (RJF) has more than two decades of public-market history since July 1, 1983, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Affirm (AFRM) carries a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, whereas Raymond James Financial (RJF) is closer to market-like at 0.91 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Raymond James Financial (RJF) at 18.73% is closer to the peer norm — stronger capital efficiency for AFRM.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Raymond James Financial (RJF) at 14.97%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Raymond James Financial (RJF) at 20.88% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Only one side can be read here: Affirm (AFRM) reports revenue growth of 32.15%, ranked against its industry; Raymond James Financial (RJF) has no revenue growth figure this period.

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Raymond James Financial (RJF) at 15.63%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Raymond James Financial (RJF) 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-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and Raymond James Financial (RJF) 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

Dividends

Neither Affirm (AFRM) nor Raymond James Financial (RJF) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Raymond James Financial (RJF) reports a payout of 18.48%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Affirm (AFRM) at 11.80 and Raymond James Financial (RJF) at 13.67 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Raymond James Financial (RJF) at 1.98 is priced about in line with its industry on P/S ratio, while Affirm (AFRM) at 5.03 sits in the pricier quartile — AFRM costs more per dollar of sales.

Raymond James Financial (RJF) at 2.46 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.

Valuation Metrics