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 6.2 times as much as Bread Financial ($22.9B against $3.7B).
On earnings, Bread Financial is cheaper: it trades at 7.6× trailing earnings, against 11.8× for Affirm.
Affirm grew revenue faster over the last twelve months (32.7% versus 5.5% for Bread Financial).
Affirm keeps more of each dollar of sales as profit, with a net margin of 43.9% compared with 13.4% at Bread Financial.
Bread Financial pays a dividend yielding 0.71%; Affirm does not pay one.
Bread Financial 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 | BFH |
|---|---|---|
| Size and price | ||
| Market cap | $22.9B | $3.7B |
| Share price | $67.84 | $96.70 |
| Change, 1 year | −10.8% | 52.1% |
| Change, 5 years | −50.2% | 30.0% |
| Beta (5Y) | 3.33 | 1.39 |
| Employees | 2,358 | 6,000 |
| StockData Score | ||
| Total score | 7 | 12 (better) |
| Valuation score | 0 | 2 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 4 (better) | 2 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 2 (better) |
| Valuation | ||
| P/E | 11.8× | 7.6× (better) |
| P/S | 5.0× | 0.9× (better) |
| P/B | 4.0× | 1.1× (better) |
| EV/EBITDA | 24.1× | – |
| P/FCF | 28.0× | – |
| PEG | – | 0.22 |
| FCF yield | 3.6% | – |
| Fair value | $35.17 | $94.46 |
| Margin of safety | −92.9% | −2.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 32.7% (better) | 5.5% |
| Revenue growth, 5Y average | 37.4% (better) | 3.1% |
| Net income growth (TTM) | 764% (better) | 13.8% |
| EPS growth (TTM) | 800% (better) | 29.2% |
| EPS growth, 5Y average | – | 19.5% |
| Profitability | ||
| Operating margin | 11.8% | – |
| Net margin | 43.9% (better) | 13.4% |
| FCF margin | 17.8% | – |
| Return on equity | 44.5% (better) | 15.9% |
| Return on invested capital | 19.5% | – |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 1.1× | – |
| Altman Z-score | 1.58 (better) | 0.40 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 0.71% |
| Payout ratio | – | 7.3% |
| Years of dividend growth | – | 1 |
| Dividend growth, 5Y average | – | −7.4% |
| Buyback yield | – | 16.2% |
| Shareholder yield | 0.00% | 16.9% (better) |
| Ownership | ||
| Held by institutions | 77.1% | 103% |
| Held by insiders | 1.4% | 3.9% |
| Insider net buying, 12 months | −$89.4M | −$2.3M (better) |
| Superinvestors holding | 2 (better) | 1 |
| Short interest, % of float | 5.3% | 9.2% |
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.