Affirm vs Atlanticus
AFRM and ATLC 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 ATLC compare
Affirm is the larger company, worth 17 times as much as Atlanticus ($22.0B against $1.3B).
On earnings, Atlanticus is cheaper: it trades at 7.4× trailing earnings, against 11.3× for Affirm.
Atlanticus grew revenue faster over the last twelve months (87.9% versus 32.7% for Affirm).
Affirm keeps more of each dollar of sales as profit, with a net margin of 43.9% compared with 7.6% at Atlanticus.
Atlanticus scores higher on the StockData Score (12 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 | ATLC |
|---|---|---|
| Size and price | ||
| Market cap | $22.0B | $1.3B |
| Share price | $65.11 | $83.42 |
| Change, 1 year | −17.5% | 59.0% |
| Change, 5 years | −52.2% | 23.3% |
| Beta (5Y) | 3.32 | 1.76 |
| Employees | 2,358 | 576 |
| StockData Score | ||
| Total score | 7 | 12 (better) |
| Valuation score | 0 | 5 (better) |
| Growth score | 3 | 4 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 11.3× | 7.4× (better) |
| P/S | 4.8× | 0.4× (better) |
| P/B | 3.8× | 1.6× (better) |
| EV/EBITDA | 23.0× | 0.8× (better) |
| P/FCF | 26.9× | – |
| PEG | – | 9.99 |
| FCF yield | 3.7% | – |
| Fair value | $34.83 | $198.01 |
| Margin of safety | −86.9% | 57.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 32.7% | 87.9% (better) |
| Revenue growth, 5Y average | 37.4% (better) | 28.4% |
| Net income growth (TTM) | 764% (better) | 89.6% |
| EPS growth (TTM) | 800% (better) | 102% |
| EPS growth, 5Y average | – | 8.6% |
| Profitability | ||
| Gross margin | – | 92.4% |
| Operating margin | 11.8% | – |
| Net margin | 43.9% (better) | 7.6% |
| FCF margin | 17.8% | – |
| Return on equity | 44.5% (better) | 32.0% |
| Return on invested capital | 19.5% | – |
| Financial health | ||
| Interest coverage | 1.1× | – |
| Altman Z-score | 1.53 (better) | 0.61 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Buyback yield | – | 0.51% |
| Shareholder yield | 0.00% | 0.51% (better) |
| Ownership | ||
| Held by institutions | 77.1% | 26.1% |
| Held by insiders | 1.4% | 91.5% |
| Insider net buying, 12 months | −$89.4M | −$10.6M (better) |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 5.3% | – |
Go deeper
- AFRM stock overview
- AFRM income statement
- AFRM valuation and score
- ATLC stock overview
- ATLC income statement
- ATLC valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.