AFRM vs. SPGI: Affirm vs. S&P Global Stock Comparison

Company Profile

Affirm (AFRM) and S&P Global (SPGI) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while SPGI is classified in Capital Markets.

S&P Global (SPGI) has more than two decades of public-market history since February 21, 1973, 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 S&P Global (SPGI) is closer to market-like at 1.02 — 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 S&P Global (SPGI) at 17.88% is closer to the peer norm — stronger capital efficiency for AFRM.

For every dollar of sales, both Affirm (AFRM) at 43.86% and S&P Global (SPGI) at 30.60% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Both Affirm (AFRM) at 14.82% and S&P Global (SPGI) at 48.21% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while S&P Global (SPGI) at 7.94% is closer to the peer norm — faster top-line expansion for AFRM.

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than S&P Global (SPGI) at 18.70%, 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 S&P Global (SPGI) 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 S&P Global (SPGI) 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

Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile S&P Global (SPGI) reports a yield of 0.82%, ranking against industry peers normally.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile S&P Global (SPGI) reports a payout of 22.06%, ranking against industry peers normally.

Dividend Metrics

Valuation

Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while S&P Global (SPGI) at 27.95 sits in the richer quartile — SPGI needs stronger growth or earnings quality to justify the premium.

Both Affirm (AFRM) at 5.03 and S&P Global (SPGI) at 8.32 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

Both Affirm (AFRM) at 4.01 and S&P Global (SPGI) at 6.88 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics