Affirm Holdings Inc (AFRM)vsJiayin Group Inc (JFIN)
AFRM
Affirm Holdings Inc
$75.59
+5.03%
FINANCIAL SERVICES · Cap: $24.52B
JFIN
Jiayin Group Inc
$1.55
-0.96%
FINANCIAL SERVICES · Cap: $67.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 5% more annual revenue ($4.26B vs $4.05B). AFRM leads profitability with a 45.3% profit margin vs 5.7%. JFIN trades at a lower P/E of 2.0x. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
JFIN
Avoid33
out of 100
Grade: F
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
Reasonable price relative to book value
Every $100 of equity generates 41 in profit
Conservative balance sheet, low leverage
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Grey zone — moderate risk
Smaller company, higher risk/reward
5.7% margin — thin
Weak financial health signals
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 : JFIN
The strongest argument for JFIN centers on P/E Ratio, Price/Book, Return on Equity.
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 : JFIN
The primary concerns for JFIN are Altman Z-Score, Market Cap, Profit Margin.
Key Dynamics to Monitor
AFRM profiles as a growth stock while JFIN is a value play — different risk/reward profiles.
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.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AFRM scores higher overall (70/100 vs 33/100), backed by strong 45.3% margins and 33.0% revenue growth. Both earn "Strong Buy" and "Avoid" 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 →Jiayin Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
Jiayin Group Inc. is an online individual financial platform connecting individual investors and individual borrowers in China. The company is headquartered in Shanghai, the People's Republic of China.
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