Affirm Holdings Inc (AFRM)vsFederal Agricultural Mortgage Corporation (AGM)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
AGM
Federal Agricultural Mortgage Corporation
$204.13
+0.05%
FINANCIAL SERVICES · Cap: $2.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 943% more annual revenue ($4.26B vs $408.69M). AGM leads profitability with a 56.0% profit margin vs 45.3%. AGM appears more attractively valued with a PEG of 0.72. AGM earns a higher WallStSmart Score of 79/100 (B+).
AFRM
Strong Buy70
out of 100
Grade: B
AGM
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 56 of every $100 in revenue as profit
Strong operational efficiency at 69.7%
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 24.9% year-over-year
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.
Bull Case : AGM
The strongest argument for AGM centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 56.0% and operating margin at 69.7%. Revenue growth of 24.9% demonstrates continued momentum.
Bear Case : AFRM
The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Bear Case : AGM
The primary concerns for AGM are Piotroski F-Score, Debt/Equity. Debt-to-equity of 18.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM carries more volatility with a beta of 3.82 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
AFRM generates stronger free cash flow (229M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AGM scores higher overall (79/100 vs 70/100), backed by strong 56.0% margins and 24.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →Federal Agricultural Mortgage Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Federal Agricultural Mortgage Corporation offers a secondary market for various loans made to borrowers in the United States. The company is headquartered in Washington, District of Columbia.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?