AFRM vs. UI: A Head-to-Head Stock Comparison

Updated on August 23, 2025

Here’s a clear look at AFRM and UI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AFRM	UI
Company Name	Affirm Holdings, Inc.	Ubiquiti Inc.
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Financial Services	Communications Equipment
Market Capitalization	23.54 billion USD	23.87 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	January 13, 2021	October 14, 2011
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AFRM and UI 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.

AFRM vs. UI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AFRM	UI
5-Day Price Return	-4.95%	-5.42%
13-Week Price Return	40.50%	-8.17%
26-Week Price Return	-2.38%	14.88%
52-Week Price Return	159.61%	120.33%
Month-to-Date Return	7.73%	-9.39%
Year-to-Date Return	21.28%	18.87%
10-Day Avg. Volume	5.47M	0.13M
3-Month Avg. Volume	6.45M	0.11M
3-Month Volatility	52.09%	46.20%
Beta	3.68	1.40

Profitability

Return on Equity (TTM)

AFRM

-2.22%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

AFRM has a negative Return on Equity of -2.22%. 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.

UI

217.64%

Communications Equipment Industry

Max: 32.05%
Q3: 19.58%
Median: 11.77%
Q1: 2.23%
Min: -11.93%

UI’s Return on Equity of 217.64% is exceptionally high, placing it well beyond the typical range for the Communications Equipment industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

AFRM vs. UI: A comparison of their Return on Equity (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Net Profit Margin (TTM)

AFRM

-2.33%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

AFRM has a negative Net Profit Margin of -2.33%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

UI

23.64%

Communications Equipment Industry

Max: 23.65%
Q3: 14.32%
Median: 5.31%
Q1: 1.45%
Min: -12.72%

A Net Profit Margin of 23.64% places UI in the upper quartile for the Communications Equipment industry, signifying strong profitability and more effective cost management than most of its peers.

AFRM vs. UI: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Operating Profit Margin (TTM)

AFRM

-5.22%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

AFRM has a negative Operating Profit Margin of -5.22%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

UI

30.71%

Communications Equipment Industry

Max: 42.27%
Q3: 18.90%
Median: 6.21%
Q1: 2.97%
Min: -20.72%

An Operating Profit Margin of 30.71% places UI in the upper quartile for the Communications Equipment industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

AFRM vs. UI: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Profitability at a Glance

Symbol	AFRM	UI
Return on Equity (TTM)	-2.22%	217.64%
Return on Assets (TTM)	-0.61%	45.81%
Net Profit Margin (TTM)	-2.33%	23.64%
Operating Profit Margin (TTM)	-5.22%	30.71%
Gross Profit Margin (TTM)	--	42.16%

Financial Strength

Current Ratio (MRQ)

AFRM

4.49

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

UI

1.39

Communications Equipment Industry

Max: 1.72
Q3: 1.72
Median: 1.46
Q1: 1.18
Min: 0.93

UI’s Current Ratio of 1.39 aligns with the median group of the Communications Equipment industry, indicating that its short-term liquidity is in line with its sector peers.

AFRM vs. UI: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Communications Equipment industry benchmarks.

Debt-to-Equity Ratio (MRQ)

AFRM

2.49

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

UI

0.78

Communications Equipment Industry

Max: 1.55
Q3: 0.92
Median: 0.55
Q1: 0.30
Min: 0.00

UI’s Debt-to-Equity Ratio of 0.78 is typical for the Communications Equipment industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AFRM vs. UI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Communications Equipment industry benchmarks.

Interest Coverage Ratio (TTM)

AFRM

-3.76

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

UI

6.64

Communications Equipment Industry

Max: 181.73
Q3: 113.63
Median: 7.59
Q1: 3.82
Min: -5.39

UI’s Interest Coverage Ratio of 6.64 is positioned comfortably within the norm for the Communications Equipment industry, indicating a standard and healthy capacity to cover its interest payments.

AFRM vs. UI: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Financial Strength at a Glance

Symbol	AFRM	UI
Current Ratio (MRQ)	4.49	1.39
Quick Ratio (MRQ)	4.41	0.56
Debt-to-Equity Ratio (MRQ)	2.49	0.78
Interest Coverage Ratio (TTM)	-3.76	6.64

Growth

Revenue Growth

AFRM vs. UI: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AFRM vs. UI: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AFRM

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
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.

UI

0.62%

Communications Equipment Industry

Max: 3.88%
Q3: 2.75%
Median: 0.93%
Q1: 0.00%
Min: 0.00%

UI’s Dividend Yield of 0.62% is consistent with its peers in the Communications Equipment industry, providing a dividend return that is standard for its sector.

AFRM vs. UI: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Dividend Payout Ratio (TTM)

AFRM

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
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.

UI

26.41%

Communications Equipment Industry

Max: 111.16%
Q3: 55.91%
Median: 28.42%
Q1: 0.00%
Min: 0.00%

UI’s Dividend Payout Ratio of 26.41% is within the typical range for the Communications Equipment industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AFRM vs. UI: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Dividend at a Glance

Symbol	AFRM	UI
Dividend Yield (TTM)	0.00%	0.62%
Dividend Payout Ratio (TTM)	0.00%	26.41%

Valuation

Price-to-Earnings Ratio (TTM)

AFRM

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

P/E Ratio data for AFRM is currently unavailable.

UI

42.74

Communications Equipment Industry

Max: 57.30
Q3: 47.92
Median: 27.50
Q1: 17.89
Min: 13.89

UI’s P/E Ratio of 42.74 is within the middle range for the Communications Equipment industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

AFRM vs. UI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Price-to-Sales Ratio (TTM)

AFRM

8.81

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

UI

10.11

Communications Equipment Industry

Max: 11.03
Q3: 5.53
Median: 2.20
Q1: 0.99
Min: 0.40

UI’s P/S Ratio of 10.11 is in the upper echelon for the Communications Equipment industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

AFRM vs. UI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Communications Equipment industry benchmarks.

Price-to-Book Ratio (MRQ)

AFRM

5.03

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

AFRM’s P/B Ratio of 5.03 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.

UI

43.03

Communications Equipment Industry

Max: 9.66
Q3: 5.60
Median: 3.73
Q1: 2.67
Min: 0.30

At 43.03, UI’s P/B Ratio is at an extreme premium to the Communications Equipment industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

AFRM vs. UI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Communications Equipment industry benchmarks.

Valuation at a Glance

Symbol	AFRM	UI
Price-to-Earnings Ratio (TTM)	--	42.74
Price-to-Sales Ratio (TTM)	8.81	10.11
Price-to-Book Ratio (MRQ)	5.03	43.03
Price-to-Free Cash Flow Ratio (TTM)	38.68	32.03