Affirm Holdings Inc (AFRM)vsCapital One Financial Corporation (COF)
AFRM
Affirm Holdings Inc
$71.77
+1.01%
FINANCIAL SERVICES · Cap: $24.03B
COF
Capital One Financial Corporation
$200.55
-2.13%
FINANCIAL SERVICES · Cap: $127.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 1029% more annual revenue ($48.11B vs $4.26B). AFRM leads profitability with a 45.3% profit margin vs 21.9%. COF appears more attractively valued with a PEG of 0.19. COF earns a higher WallStSmart Score of 75/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
COF
Strong Buy75
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
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 : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% 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 : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
AFRM carries more volatility with a beta of 3.61 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
COF scores higher overall (75/100 vs 70/100), backed by strong 21.9% margins and 1111.0% 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 →Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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