Affirm Holdings Inc (AFRM)vsOpen Lending Corp (LPRO)
AFRM
Affirm Holdings Inc
$74.84
+2.07%
FINANCIAL SERVICES · Cap: $24.52B
LPRO
Open Lending Corp
$3.14
0.00%
FINANCIAL SERVICES · Cap: $371.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 4671% more annual revenue ($4.26B vs $89.31M). AFRM leads profitability with a 45.3% profit margin vs -6.0%. AFRM earns a higher WallStSmart Score of 70/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
LPRO
Avoid21
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
No standout strengths identified
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
ROE of -7.0% — below average capital efficiency
Revenue declined 16.0%
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 : LPRO
LPRO has a balanced fundamental profile.
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 : LPRO
The primary concerns for LPRO are Market Cap, Debt/Equity, Return on Equity.
Key Dynamics to Monitor
AFRM profiles as a growth stock while LPRO is a turnaround 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.
AFRM generates stronger free cash flow (229M), providing more financial flexibility.
Bottom Line
AFRM scores higher overall (70/100 vs 21/100), 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 →Open Lending Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Open Lending Corporation provides loan enablement and risk analysis solutions to credit unions, regional banks, and captive OEM finance companies in the United States. The company is headquartered in Austin, Texas.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?