Affirm vs Bread Financial
AFRM and BFH side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AFRM and BFH compare
Affirm is the larger company, worth 6.1 times as much as Bread Financial ($24.8B against $4.1B).
On earnings, Bread Financial is cheaper: it trades at 8.2× trailing earnings, against 13.3× for Affirm.
Affirm grew revenue faster over the last twelve months (32.2% versus 3.9% for Bread Financial).
Affirm keeps more of each dollar of sales as profit, with a net margin of 45.3% compared with 14.4% at Bread Financial.
Bread Financial pays a dividend yielding 0.87%; Affirm does not pay one.
Bread Financial scores higher on the StockData Score (15 against 7 for Affirm), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AFRM | BFH |
|---|---|---|
| Size and price | ||
| Market cap | $24.8B | $4.1B |
| Share price | $73.47 | $105.66 |
| Change, 1 year | 1.1% | 62.7% |
| Change, 5 years | −55.3% | 14.9% |
| Beta (5Y) | 3.35 | 1.41 |
| Employees | 2,358 | 6,000 |
| StockData Score | ||
| Total score | 7 | 15 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 | 3 |
| Performance score | 4 (better) | 3 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 2 (better) |
| Valuation | ||
| P/E | 13.3× | 8.2× (better) |
| P/S | 5.8× | 1.0× (better) |
| P/B | 4.5× | 1.2× (better) |
| EV/EBITDA | 32.2× | – |
| P/FCF | 25.0× | – |
| PEG | – | 0.24 |
| FCF yield | 4.0% | – |
| Fair value | $15.46 | $115.78 |
| Margin of safety | −375% | 8.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 32.2% (better) | 3.9% |
| Revenue growth, 5Y average | 37.4% (better) | 3.1% |
| Net income growth (TTM) | 3598% (better) | 99.0% |
| EPS growth (TTM) | 3587% (better) | 117% |
| EPS growth, 5Y average | – | 19.5% |
| Profitability | ||
| Operating margin | 9.8% | – |
| Net margin | 45.3% (better) | 14.4% |
| FCF margin | 23.3% | – |
| Return on equity | 45.1% (better) | 17.4% |
| Return on invested capital | 15.0% | – |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 0.9× | – |
| Altman Z-score | 1.70 (better) | 0.41 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 0.87% |
| Payout ratio | – | 6.9% |
| Years of dividend growth | – | 1 |
| Dividend growth, 5Y average | – | −7.4% |
| Buyback yield | 0.00% | 13.8% (better) |
| Shareholder yield | 0.00% | 14.6% (better) |
| Ownership | ||
| Held by institutions | 77.1% | 102% |
| Held by insiders | 1.4% | 3.9% |
| Insider net buying, 12 months | −$84.2M | −$2.4M (better) |
| Superinvestors holding | 2 (better) | 1 |
| Short interest, % of float | 5.4% | 8.8% |
Go deeper
- AFRM stock overview
- AFRM income statement
- AFRM valuation and score
- BFH stock overview
- BFH income statement
- BFH valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.