AFRM vs. UBS: Affirm vs. UBS Stock Comparison

Company Profile

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

UBS (UBS) has more than two decades of public-market history since May 16, 2000, 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 UBS (UBS) is closer to market-like at 1.15 — a noticeable difference in market-sensitivity profile.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: Affirm (AFRM) earns 44.49% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of UBS (UBS) at 18.18%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and UBS (UBS) at 27.10% 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 UBS (UBS) at 4.30% is closer to the peer norm — faster top-line expansion for AFRM.

Both companies show strong earnings momentum, but Affirm (AFRM) at 3,586.67% is the standout with EPS growth above its industry range; UBS (UBS) at 55.26% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and UBS (UBS) 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 UBS (UBS) 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 UBS (UBS) 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 UBS (UBS) reports a payout of 36.30%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Affirm (AFRM) at 11.80 and UBS (UBS) at 15.77 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

UBS (UBS) at 2.71 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.

UBS (UBS) at 1.64 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