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AFRM vs. TROW: Affirm vs. T. Rowe Price Stock Comparison

How do Affirm (AFRM) and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) both fall under the Financial Services industry group, but AFRM is classified in Financial Services while TROW is classified in Capital Markets.

T. Rowe Price (TROW) has more than two decades of public-market history since April 2, 1986, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.

Company profile comparison for Affirm (AFRM) and T. Rowe Price (TROW)
Profile ItemAFRMTROW
NameAffirm Holdings, Inc.T. Rowe Price Group Inc.
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 USD23.13 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateJanuary 13, 2021April 2, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFRM
TROW
GSPC
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Affirm (AFRM) vs. T. Rowe Price (TROW), 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 T. Rowe Price (TROW). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Affirm (AFRM) and T. Rowe Price (TROW). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Affirm (AFRM) and T. Rowe Price (TROW)
MetricAFRMTROW
Total Return (1Y)-6.89%14.59%
Total Return (3Y, Annualized)40.23%11.26%
Total Return (5Y, Annualized)-15.36%-8.60%

Risk Profile

Drawdown History

AFRM
TROW
GSPC
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Affirm (AFRM) vs. T. Rowe Price (TROW), 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 T. Rowe Price (TROW). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Affirm (AFRM) and T. Rowe Price (TROW)
MetricAFRMTROW
Volatility (1Y, Annualized)58.20%24.99%
Beta (5Y)3.701.39
Max Drawdown (5Y)-94.35%-57.57%
Avg. Volume (3M)4.46M1.72M

Risk-Adjusted Performance

Risk-Return Positioning

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AFRM and TROW 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 T. Rowe Price (TROW)
MetricAFRMTROW
Sharpe Ratio (1Y)-0.190.41
Sortino Ratio (1Y)-0.280.58

Profitability

ROE (TTM)

Affirm (AFRM) at 44.49% sits in the top ROE quartile, while T. Rowe Price (TROW) at 18.20% 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%

TROW

Financial Services industry group

18.20%

Max
44.78%
Q3
21.85%
TROW
18.20%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Affirm (AFRM) at 43.86% and T. Rowe Price (TROW) at 28.40% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

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%

TROW

Financial Services industry group

28.40%

Max
62.84%
TROW
28.40%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Affirm (AFRM) at 14.82% and T. Rowe Price (TROW) at 38.60% 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%

TROW

Financial Services industry group

38.60%

Max
107.33%
Q3
55.90%
TROW
38.60%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Affirm (AFRM) and T. Rowe Price (TROW)
MetricAFRMTROW
ROE (TTM)44.49%18.20%
ROA (TTM)2.42%10.67%
Net Margin (TTM)43.86%28.40%
Operating Margin (TTM)14.82%38.60%
Gross Margin (TTM)----

Growth

Revenue Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while T. Rowe Price (TROW) at 3.12% is closer to the peer norm — faster top-line expansion for AFRM.

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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their Revenue Growth across different time periods.

EPS Growth

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than T. Rowe Price (TROW) at 0.98%, which is closer to a typical peer reading.

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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Affirm (AFRM) and T. Rowe Price (TROW)
MetricAFRMTROW
Revenue Growth (YoY)32.15%3.12%
Revenue Growth (3Y CAGR)38.96%4.08%
EPS Growth (YoY)3,586.67%0.98%
EPS Growth (3Y CAGR)--11.31%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) 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 T. Rowe Price (TROW)
MetricAFRMTROW
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 T. Rowe Price (TROW) reports a yield of 4.76%, 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%

TROW

Financial Services industry group

4.76%

Max
9.77%
TROW
4.76%
Q3
3.92%
Median
1.09%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile T. Rowe Price (TROW) reports a payout of 52.33%, ranking against industry peers normally.

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%

TROW

Financial Services industry group

52.33%

Max
241.07%
Q3
97.36%
TROW
52.33%
Median
25.77%
Q1
0.00%
Min
0.00%
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Affirm (AFRM) and T. Rowe Price (TROW)
MetricAFRMTROW
Dividend Yield (TTM)0.00%4.76%
Dividend Payout Ratio (TTM)0.00%52.33%

Valuation

P/E Ratio (TTM)

Both Affirm (AFRM) at 11.80 and T. Rowe Price (TROW) at 10.97 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

TROW

Financial Services industry group

10.97

Max
45.85
Q3
24.64
Median
15.37
TROW
10.97
Q1
9.68
Min
0.16
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

T. Rowe Price (TROW) at 3.00 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.

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

TROW

Financial Services industry group

3.00

Max
9.23
Q3
4.57
TROW
3.00
Median
2.72
Q1
1.28
Min
-0.55
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

T. Rowe Price (TROW) at 2.03 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

TROW

Financial Services industry group

2.03

Max
7.79
Q3
3.63
TROW
2.03
Median
1.57
Q1
0.81
Min
-0.39
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Affirm (AFRM) vs. T. Rowe Price (TROW): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Affirm (AFRM) and T. Rowe Price (TROW)
MetricAFRMTROW
P/E Ratio (TTM)11.8010.97
P/S Ratio (TTM)5.033.00
P/B Ratio (MRQ)4.012.03
Free Cash Flow Yield (TTM)----