Affirm Holdings Inc (AFRM)vsAtlanticus Holdings Corporation (ATLC)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
ATLC
Atlanticus Holdings Corporation
$98.15
+7.10%
FINANCIAL SERVICES · Cap: $1.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 483% more annual revenue ($4.26B vs $730.47M). AFRM leads profitability with a 45.3% profit margin vs 21.1%. ATLC trades at a lower P/E of 11.8x. ATLC earns a higher WallStSmart Score of 71/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
ATLC
Strong Buy71
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
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 29.5%
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
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 : ATLC
The strongest argument for ATLC centers on P/E Ratio, Revenue Growth, EPS Growth. Profitability is solid with margins at 21.1% and operating margin at 29.5%. Revenue growth of 83.3% 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 : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 8.48 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM carries more volatility with a beta of 3.82 — expect wider price swings.
ATLC is growing revenue faster at 83.3% — sustainability is the question.
ATLC generates stronger free cash flow (277M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ATLC scores higher overall (71/100 vs 70/100), backed by strong 21.1% margins and 83.3% 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 →Atlanticus Holdings Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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