Affirm vs PicS
AFRM and PICS 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 PICS compare
PicS grew revenue faster over the last twelve months (84.5% versus 32.7% for Affirm).
Affirm keeps more of each dollar of sales as profit, with a net margin of 43.9% compared with −10.6% at PicS.
Affirm scores higher on the StockData Score (7 against 1 for PicS), 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 | PICS |
|---|---|---|
| Size and price | ||
| Market cap | $22.9B | – |
| Share price | $67.84 | $7.18 |
| Change, 1 year | −10.8% | – |
| Change, 5 years | −50.2% | – |
| Beta (5Y) | 3.33 | – |
| Employees | 2,358 | 4,629 |
| StockData Score | ||
| Total score | 7 (better) | 1 |
| Valuation score | 0 | 0 |
| Growth score | 3 (better) | 1 |
| Performance score | 4 (better) | 0 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 11.8× | – |
| P/S | 5.0× | – |
| P/B | 4.0× | – |
| EV/EBITDA | 24.1× | – |
| P/FCF | 28.0× | – |
| FCF yield | 3.6% | – |
| Fair value | $35.17 | – |
| Margin of safety | −92.9% | – |
| Growth | ||
| Revenue growth (TTM) | 32.7% | 84.5% (better) |
| Revenue growth, 5Y average | 37.4% | – |
| Net income growth (TTM) | 764% | – |
| EPS growth (TTM) | 800% (better) | 402% |
| Profitability | ||
| Operating margin | 11.8% (better) | 0.35% |
| Net margin | 43.9% (better) | −10.6% |
| FCF margin | 17.8% (better) | −37.0% |
| Return on equity | 44.5% | – |
| Return on invested capital | 19.5% | – |
| Financial health | ||
| Interest coverage | 1.1× (better) | 0.0× |
| Altman Z-score | 1.58 | – |
| Piotroski F-score | 5 (better) | 3 |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | – |
| Ownership | ||
| Held by institutions | 77.1% | 11.1% |
| Held by insiders | 1.4% | 95.8% |
| Insider net buying, 12 months | −$89.4M | $4.0M (better) |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 5.3% | – |
Go deeper
- AFRM stock overview
- AFRM income statement
- AFRM valuation and score
- PICS stock overview
- PICS income statement
- PICS valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.