AFRM vs. VIRT: Affirm vs. Virtu Financial Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Affirm (AFRM) has a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, while Virtu Financial (VIRT) is defensive at 0.69 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Virtu Financial (VIRT) at 57.03% is the standout with ROE above its industry range; Affirm (AFRM) at 44.49% also sits in the top quartile.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Virtu Financial (VIRT) at 17.96%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Virtu Financial (VIRT) at 36.32% 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 Virtu Financial (VIRT) at 26.25% 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; Virtu Financial (VIRT) at 72.73% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Virtu Financial (VIRT) 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 Virtu Financial (VIRT) 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 Virtu Financial (VIRT) reports a yield of 1.78%, 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 Virtu Financial (VIRT) reports a payout of 15.95%, ranking against industry peers normally.

Dividend Metrics

Valuation

Virtu Financial (VIRT) at 7.92 sits in the cheaper P/E ratio quartile, while Affirm (AFRM) at 11.80 is closer to its industry’s usual earnings multiple — a discount for VIRT, though growth and earnings durability still matter.

Virtu Financial (VIRT) at 3.35 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.

Virtu Financial (VIRT) at 1.92 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